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10
11 February 2017

Why does an eco-labelled wood stove emit more pollution than 25 ten-year-old diesel trucks?

The New Scientist showed that “Log-burning stoves are harming our health and speeding up global warming.”
The UN Environment Program recommends phasing out log-burning stoves to improve health & reduce climate change.
The Danish Ecological Council showed that even an eco-labelled wood stove pollutes as much as 25 ten-year-old diesel trucks.

PM2.5 air pollution kills 38,000 UK residents every year. Wood as a domestic fuel is the largest contributor to UK PM2.5 emissions (47,000 tonnes per year), nearly 3 times more than all road transport (13,900 tonnes/yr). The average new wood stove approved for UK Smokeless zones emits more PM2.5 per year than 1,000 petrol cars or 200 Euro-5 diesels.

Reviews of wood stoves should be updated to include information on health and air pollution, and consider the UN Environment Program recommendation that developed countries phase out this major source of PM2.5 pollution.

More info: woodsmoke.3sc.net/files/UK_PM25_pollution_extracts_of_supporting_documents.pdf
woodsmoke.3sc.net/greenhouse
woodsmoke.3sc.net/health

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21 February 2017

Hi @caresabouthealth

Thank you for your comment. In the coming years, the European Union will be changing the laws around stove efficiency to reduce harmful emissions even further.

We are actually in the process of updating our guide to look at this, and will be looking into the matter in more depth in due course.

Hope that helps.

2
Jayne says:
17 February 2017

Is the lack of competition in Package Holidays now at a point where we are receiving appalling customer service?

The Monopolies Commission doesn’t seem to have an interest in the fact that from a package holiday perspective, we seem to have only a couple of giants now owning most brands in the UK. As a result the customer service seems to be declining…there’s not even a regulator to help! So how can we start to have more of a say in trying to gain the respect from these companies, that we deserve as consumers who’ve parted with our hard earned cash?
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2
10 February 2017

Mutual current accounts

Now that the Yorkshire has pulled out of the market is the Nationwide the only mutual left to offer a current account? I’m with the Coventry which closed its current account to new members recently, and will doubtless close remaining accounts sometime soon. What is the best option for those who don’t want their money used for the benefit of corporate shareholders?
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1
Marian Evans says:
26 February 2017

Banks using your account direct debits to cold call and sell their own products

I recently received a call from HSBC asking if I would like to switch from John Lewis home insurance to their own product. When asked how they knew I was currently with John Lewis they said they could see payments to them from my bank account – is this right can they cherry pick accounts to sell their products? I found this to be very disturbing and totally unethical.
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1
RALFE says:
17 February 2017

Brexit Price Increases

Why are some prices rising now, supposedly due to Brexit, when we haven’t even left Europe yet? There’s even a slim chance we may not leave at all, so what happens then – big refunds? Some of these companies are apparently making the most of the situation before anything has even happened. The one thing that will never change is business making the most of every available opportunity to rip off as many as possible.
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1
mary constantine says:
12 February 2017

autism

Autism is at epidemic levels now and so many parents are frazzled and need answers and need to ask question on the topic
we need more autism topics, how to help child with autism cope with school , travel, homework or just sitting still .
I use an autisticvest to help my son it really works but any other ideas are welcome
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1
TerryD says:
9 February 2017

The danger of candles in the home

We’ve used standard dinner candles from Morrisons for years. The last batch bought in December 2016, in readiness for Christmas have proved a disaster.
They have melted, dripped and leaked all over the place causing a real mess on our mantelpiece. The inherent fire hazards of this are unthinkable. I’ve emailed Morrisons who’s supplier Spaas, eventually returned a pathetic set of excuses. I remonstrated on the dangers of poor quality materials etc, but to no avail.
Has anyone else had such a problem?
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1
Seaweedsarah says:
6 February 2017

Is it possible to clean efficiently and be kind to the environment?

I am passionate about marine conservation and try to buy products that cause the minimum amount of harm to the aquatic environment. Sadly, Ecover products routinely come at or near the bottom of the rankings and there don’t seem to be any others reviewed. It would be great to combine efficiency with environmental awareness.
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1
Skarloey says:
6 February 2017

No Help From Which? on Dry Cleaners

It’s just a simple idea, but doesn’t seem to exist on Which? As usual when I need a new product or service I turn to Which? In this case I need my wedding dress dry cleaning… how should I choose a provider, what to look out for and what to pay. There doesn’t appear to be anything (or at least not when I search the Which? website). Isn’t it about time Which? helped with dry cleaners?
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1
Bonzo1956 says:
29 January 2017

The dispute between Sky and Discovery/Eurosport

Whilst watching the Eurosports channel on my Sky system today I received a message saying that Sky may lose Eurosports and Discovery channels from 1st February. Now I know that the Contract terms say that 3rd Party channels may change and I know Sky are saying that the money they currently spend on Eurosports will be used to improve the Sky sports services, but actually Eurosports and Discovery channels are some that I watch most frequently. I have fairly recently upgraded to Sky Q silver, so I think I am locked in for more than another year. Anyone else feel miffed that they are going to loose more sport unless they buy into yet another services provider?
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8 February 2017

Hi Bonzo1956

Thank you for your idea.

This subject was actually discussed in this convo:

https://conversation.which.co.uk/home-energy/sky-dispute-with-discovery/

0
Alex says:
Today 13:08

Big companies fail to honour their commitment to their customers

I have made appointments with two big companies recently, i.e. British Gas and Virgin Media. Both companies gave me a time slot when to expect them. I accepted this and sat at home waiting; Virgin Media turned up after the time slot and phoned me just before this time ran out to say that they are running late (this happened on two consecutive appointments). British Gas phoned me one hour before the time ran out to say they would not be able to honour the appointment and would I like to make another appointment. Virgin Media said that they would pay compensation for failing to attend the scheduled appointment – I’m still waiting for that; unfortunately I can’t change service providers at the moment because of the contract – basically they’ve got me by the short and curlies as they say. With British Gas I have now cancelled my Home Serve agreement. Why would I pay over £250 per year for a service that is well below average!!! It seems based on my recent experience i.e. in the last month, that big companies do not keep to their agreed appointment times. Is this because they over-extend the engineers who, with the best will in the world. are unable to keep the promises made by the call centres?
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0
28 March 2017

Homeserve pledge to replace boiler that is beyong economical repair!

How can they offer this service then charge an extortionate amount to install a boiler and offer a boiler that is much cheaper and very different from your own! You have no recourse and only one franchise to “Choose” from or else accept a cheque for 200 pounds for a new boiler!
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0
25 March 2017

Airlines

Cost of Madrid flight for Leicester City fan went up by £165 from booking to paying
Read more at http://www.leicestermercury.co.uk/cost-of-flight-to-madrid-went-up-by-pound-165-from-booking-to-paying/story-30224440-detail/story.html#S45KTjUQMhVquUpU.99
But its not just football fans is it?
Now this is an injustice to the working man
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0
jaynesco says:
23 March 2017

Help

I have a insurance policy for my freezer accidental damage. I have had 5 visits to mend it and it is now unusable! I have lost food as well which no one says they are liable! It is only 6 mths old but the makers did not cover this! Luckily I had an insurance as well! Where do I stand? I have asked for a replacement but the insurers are saying no at mo
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24 March 2017

Hi jaynesco,

You might find this page useful, particularly the Faulty Goods tool.

http://www.which.co.uk/consumer-rights/advice/what-do-i-do-if-i-have-a-faulty-product

Thanks

0
JanetD says:
21 March 2017

Maturing online accounts – vanishing records

More and more banking and other savings are now wholly online. Yet when an account matures, it is not only inaccessible to further transactions (fair enough), but it vanishes completely from my accounts page, so I can’t view the history. Why is this common practice? I would like to see the final interest paid. The bank should “show its workings”. All I see is the final transferred balance and none of what contributed to that number. It seems we now have access to less information than when we had a passbook. What is the harm in still being able to see the events on a closed account? Are others happy with this?
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0
21 March 2017

Companies charging for paper bills

I should have said that Utility Warehouse bill monthly so the £1.50 is a monthly charge.
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0
21 March 2017

Companies charging for paper bills

I have been with Utility Warehouse for 14+ years. They are going to charge £1.50 for paper bills from 1st May 2017. Of course one can opt out but I do like to have paper bills as I do paper bank statements which I keep for some time for reference. Just recently I had cause to check my utility bills going back months, I can’t imagine how difficult this would have been on-line. Computers break down sometimes and what about people who don’t use them anyway. All my paper is recycled and I do plenty of other things to “save the planet”. I can’t believe they are “allowed” to charge for billing me. If this is the future it’s going to be expensive. I would be interested to hear other opinions.
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0
BP-London says:
19 March 2017

Alpharooms.com booking ‘pay at hotel’, turns into a Booking.com and payment up front!

I recently made a booking with Alpharooms.com for an apartment in Spain, secured by a debit card, on the basis that the full amount would be ‘pay at hotel’ (as stated on their website). Turns out in my confirmation that Alpharooms.com had booked through a third party site Booking.com, who passed on my credit card details to the Spanish hotel who charged a 30% deposit resulting in bank charges for an EU transaction. Whilst not happy at all that this could happen, in an effort to mitigate further bank charges, I asked Booking.com to change my debit card to my Halifax Clarity card (no EU charges), but they/or the hotel failed to use this new card and I have now been charged the balance incurring a further £7.14 in bank charges. It’s a very unsatisfactory situation with neither wanting to take any responsibility….. In fact Alpharooms.com, replied with this email to my complaint and even they still have it wrong….:

From: support@alpharooms.com
Sent: 17 March 2017 07:41
Subject: alpharooms.com customer support request #942821

Thank you for writing to us.

I understand your concern regarding the Pre-payment for the booking you have made. Please be advised that usually the payment of 30% will be taken from your account and then 40% will be charged 7 before days of travel. The last remaining balance of 30% can be made directly at the hotel.

Please do not hesitate to contact us if you require any further assistance.

Kind regards
Arun
Alpharooms.com

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0
Chris thompson says:
16 March 2017

Help interest only mortgage customers stay in their homes.

People with no equity in their property can’t stay in there homes. Most of these people have fallen on hard times but manage to keep up their payments, hoping they can change their mortgage when it comes to an end. No no no is the answer from the greedy bankers making people homeless and nowhere to turn. No equity no home. Surely there should be a campaign to help these millions of people in this country keep their home??? What about the single mother or father trying to keep a roof over their children’s heads etc.
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0
Brenda Romans says:
15 March 2017

Carvan insurance, when is a flood not a flood?

I’ve been looking at a caravan insurance policy that says it includes flood cover in the summary pages. In the detailed information they specifically exclude damage caused by a rise in the water table. To me that means flood so I asked about it. It appears that if the water comes from above (e.g. a wave washes over your van if you park it by the sea) you’re covered. If a river rises and causes damage, you are not covered. Surely flood means inundation, regardless if it comes from above or below.
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0
Ann Watts says:
10 March 2017

Flea and tick treatment for dogs and cats: What treatment do you use and why?

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0
10 March 2017

A professional course in oil and gas after engineering

After completing btech , students who wish to work in the oil and gas industry with particular focus on offshore operations such as exploration, drilling and production should look for a good professional short term course for oil and gas field.Just a degree will only give you knowledge it will not make you employable ,A professional short term course in oil and gas from a reputed institute under the guidance of a skilled and experienced faculty you can surely become employable and competent.
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0
Frank Finn says:
9 March 2017

Marketing companies disguised as builder

As a heating engineer I often came across customers that have got lofts or extensions done by large building firms with many adverts in glossy magazines.
There basically companies that send out salespeople or surveyors as they call them to a customers house and price for a loft conversion or extension.
They then take the first 20% and pass the job on to one of their building teams.
These companies are great when everything goes well but awful when things go wrong as most of the time the customer things they have the backup of using a big company only to find that they have actually just signed into a contract agreement with one of the smaller self employed crews.
Also they seem to have a way of bypassing the council building control by employing private building control firms who as they aren’t payed a lot don’t come out to check a house nearly as much as the council do, also when something is in a bit of a grey area they then to let it slide as they get so much work from them.
I think something should be done that makes it harder for companies to get away with this type of practice, but as I found out when i went to help a few customers that had this happen to them it was nearly impossible.
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0
malcvolm says:
9 March 2017

Energy Performance Certificates, good, bad or ugly?

Energy Performance Certificates, EPCs, are essential when selling / buying a house. I found them really useful when searching for a property as they give you the habitable floor area to enable comparisons both on the relative house prices and energy efficiency. Very few agents give floor areas, unlike European agents. (whats better value – a 3 bed semi with 100 sq m of floor or a 4 bed detached with 90 sq m? but if you are not given the area you will be given a list of (some) room sizes, are you expected to use these to work out the floor area yourself?) But what happens if you find an error? I have been hoping to purchase a house and accepted the EPC as a correct and legal document.

When EPCs were first introduced (an EU requirement) there were training courses available to enable people to become accredited assessors, with promises of £200 per assessment. Now there seems to be a race to the bottom in terms of price and I suspect, quality and accuracy of this important document.

The EPC for the property I was interested in gave the following information.

A. 4 stars (out of 5) for the heating system – gas boiler with radiators. I later found that the boiler was 21 years and that it’s, 65% efficient, off bottom of the EU, A to G, efficiency scale.

B. 4 stars for insulation in the loft room (assumed). There was none. You could walk into loft storage area, floorboarded, and see no insulation.

C. 1 star for hot water provided by electric immersion heater. But there is a gas boiler which I am told heats the hot water.

D. Secondary heating – described as none. But there is a fitted electrical heater in a feature fireplace. This would gain a single star.

There are many technical descriptions which involve assumptions, and guesses on the age of the structure to which they are applied. The age of the structure is needed so you can assume that the insulation in the building is at the level required by Building Regulations at the time of construction,

To enable accurate, unbiased assessments, software is used to calculate the results and prepare the reports – but garbage in, gives garbage out no matter how pretty the standardised reports appear.

Estate agents must issue these documents to prospective purchasers. Fines can be levied if this is not done. However I can find no evidence of sanctions that might be implied if the document is negligently incorrect.

Is there legal liability on anyone for losses incurred for conveyencing, property survey etc in such a situation? A whole purchasing chain could collapse over one document.

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0
Roger Kendrick says:
8 March 2017

Hearing Aids

With the population getting older, with its associated problems, please could you consider a feature on hearing aids?

I’ve recently bought one and had to do a lot of research to understand what was being offered by the various companies as well as the features of the aids.

In my opinion the hearing assessments offered by the big chains (Spec Savers & Boots) were cursory and just a front for a big sales pitch. For example I have hearing loss in just one ear but Spec Savers will only sell you a pair, saying that “it was good to have a spare”!.

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0
Pietro35 says:
8 March 2017

Although I have followed Motoring Which for years (and followed the advice), I have not seen any comment on the handbooks you get. What do people think? Have just studied Honda CRV and Mitsu Outlander (both best buys) books, and one is good and the other awful. In English, they say but some is just funny and some very cryptic. And the illegible pictures…, and the layout, with many widows and orphans. And many repetitions. Am I being over fussy, or does nobody read them anyway? At least for the software bits, it is not all self-evident.

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0
Tony French says:
8 March 2017

”Hermes” is an untrustworthy courier

I don’t name and shame a company lightly. Repeatedly this company has failed to deliver goods. Their drivers have lied – “the customer was out” – they “couldn’t find the address” – it was “out for delivery” (for 3 days in seccession and never did arrive) – a parcel was delivered to the wrong house the other side of our rural valley… and as a freelance journalist I have failed to get a response from their press office, and as a personal customer been led from phone… to e-mail… and no response. Other couriers provide an efficient service to our rural address. – DPD is excellent with tracked one-hour slots, City Link, UPS… and the Royal Mail are all very good indeed – or excellent. I cannot see how any online merchant can dream of using Hermes – our experience cannot be that atypical. Is it something to do with the structure of their payments to drivers… I did here that a miniscule sum is paid per delivery, so some drivers just don’t bother with packets to out-of-their way addresses.
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0
Joel says:
3 March 2017

Electric mopeds/scooters

All the talk is about electric cars but quietly (very!) in the background the number of electric bikes, mopeds, scooters and motorbikes is growing rapidly. The sector is boosted by no road tax, government grants for purchases, minimal running costs and no ‘range anxiety’. However no one is reviewing the new mopeds/scooters, which often come from unknown small manufacturers, so this is a real chance for Which? to help consumers.
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Joel says:
3 March 2017

Electic mopeds/scooters

All the talk is about electric cars but quietly (very!) in the background the number of electric bikes, mopeds, scooters and motorbikes is growing rapidly. The sector is boosted by no road tax, government grants for purchases, minimal running costs and no ‘range anxiety’. However no one is reviewing the new mopeds/scooters, which often come from unknown small manufacturers, so this is a real chance for Which? to help consumers.
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0
framk says:
2 March 2017

Scottish Power have just put up their price bye 10.8%
should my pay -in tariff go up by 10.8%?

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0
2 March 2017

What to do if in the Council owned car park the unsecure barrier damaged your car?

When I’d exit the car park the unsecured car park barrier hit my car roof.I’d sent an email to the council insurance department but they ignored me.They didn’t fix the barrier either.Could you give me any advice where to complain and who will pay for the repairs?I have pictures with the incident and with the unsecured barrier also.
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0
Francis Hitching says:
1 March 2017

addictionto alcohol

I would like to let you know how I dealt with the problem
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0
1 March 2017

New car tax ruling means some cars will pay a lot less car tax

Should I cancel my old car tax and renew when the new tax bands come into force in April? Previously I was paying £230 per annum, now it will be £140 per annum.
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1 March 2017

Hi Andrew, thank you for your suggestion. We actually covered the new car tax changes on Which? Conversation here – https://conversation.which.co.uk/motoring/hybrid-car-tax-vehicle-excise-duty-ved-rules/ – there’s further information on car tax changes here too http://www.which.co.uk/news/2016/03/one-year-left-to-buy-a-hybrid-free-of-car-tax-437790/

0
Carol says:
27 February 2017

A Which? about Pets

Just like Computing Which? etc I think there is a place for it. Information about pet foods is conflicting and often dogmatic. Also my impression is that goods sold for pets do not put a high priority on safety or comfort for the animal – cages are typically far too small, for example. Given the range of pet animals, the widespread ownership, and the need for advice, I think the scope for articles is vast.
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0
Hubert Allen says:
26 February 2017

Use loyalty cards for charity

I assigned my loyalty card points from the start in equal amounts to two charities. Then if I remember to get them recorded, they’ll profit something I support: but I don’t feel unduly annoyed if I forget. My principal card is a Co-op one, but probably some of the other firms do likewise.
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1 March 2017

Hi Hubert Allen,

Thank you for getting in touch.

We discussed loyalty cards only recently.

You can find the convo here: https://conversation.which.co.uk/shopping/loyalty-cards-points-discounts/

I’m sure the community would love to hear your views on this.

Thanks

0
Bieldman says:
26 February 2017

British Airways downgrades for 2 for 1 voucher redemptions

It appears BA have a policy of targeting passengers travelling on 2 for 1 vouchers for downgrades or no-flight in the event of a plane being overbooked. These vouchers are often hard earned as part of a loyalty scheme and are booked months ahead, often as part of a long awaited special holiday. It appears 2 for 1 ticket holders are targeted for downgrades for the purely short sighted commercial reason of getting the seats filled by people paying the full price. Compensation is also miserly. Rather than getting benefits for their loyalty, these passengers are being treated with contempt by our national carrier. Regardless of what the legal position may or may not be, the practice is morally repugnant. I wonder if anyone travelling on 2 for 1 vouchers or other redemptions has been affected by this.
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0
John Thurgood says:
23 February 2017

DNA testing

I was rather excited to get the results of my genealogy test from Ancestry, UK. It
showed I was 71% British, 17% Irish and 6% of me came from the Iberian Peninsula. In addition there were very small bits of other nationalities in my genes. I then got to thinking, what is British? English, Scottish and Welsh were not identified as separate groups. Internet research revealed the complex makeup of we British but none of this shows in the Ancestry results. It’s very dissapointing! My advice is don’t waste your money on what is a very shallow report.
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23 February 2017

Your right John thats not an in depth report .

0
Kate temperley says:
21 February 2017

Washing machines – door reversal

Wondering if anyone has any experience of buying a washer dryer with a right hand door opening, or if there are right hand door opening washer dryers available on the market?
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0
19 February 2017

Amazon marketplace sellers

Why do Amazon not insist that their marketplace sellers follow the consumer laws on faulty goods after their arbitrary 30-days return policy has expired?
I bought a Rotho bin from ehappypets.co.uk, which broke after three months. The company refused to do any thing and Amazon backed them up.
Also, Amazon removed comments I made on Seller Feedback without informing me or telling me why. Amazon say they want to build the most “customer-centric” company in the world. Really?
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0
KenB says:
18 February 2017

pension changes and the lack of clarity in the information that has been put out and given in response to questions.

As someone who missed the old pension by a few days I have a complete lack of clarity on several points. Also there is nothing joined up.
I asked for a forecast and received one that assumed that as I was on retiring (because of company rules) enrolled in a contracted out scheme I had spent my the full working life contracted out. Also the time in work does not add up. Then again In he new scheme the pension is strictly personnel, however is the pension I was paying into also applied to a partner raising children etc. Does that still apply to those who paid into the old scheme or has my wife lost what we paid for?
Again I cannot get answers.
Its just not acceptable to just go silent on us
I
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0
Tim says:
18 February 2017

How to defrost your freezer

http://www.which.co.uk/reviews/freezers/article/how-to-defrost-your-freezer?utm_campaign=whichukf

There are some good points in this article, but I suspect it’s author Ben Slater was not made aware of some very useful advice when he wrote it. For example, he says “wait for the ice to melt”, but many manufacturers supply a scraper. The most recent time was yesterday, when my wife and I completed the task on a rather large domestic chest freezer. It was full, but including emptying, sorting and refilling, it took nicely under 90 minutes. I have a trick but it doesn’t involve electricity, because Ben’s comment about electricity and water not mixing is a good one. I’m wondering how many people have an effective and fast technique.

Thanks
Tim

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22 February 2017

Thanks very much for your comment.

We recommend waiting for the ice to melt, because we don’t want to offer advice that will invalidate anyone’s warranty. That said, you’re right to point out that if the manufacturer supplies tools for the job, then so much the better.

If you’re in any doubt, though, it’s always a good idea to check the terms and conditions of your warranty with the manufacturer.

0
Chris Curwood says:
15 February 2017

Privatisation

It will be so easy for this government to sort out the energy companies privatise them let’s go back to all the profits going back in and then we will see a massive drop in prices at the moment if the price of gas or electricity goes down we never see it in our bills there is no reason for a increase now as they keep telling us that they ant drop prices as they buy there energy months if not year behind now they say prices have to rise due to the pound going down so if they buy the energy months our years before then if the pound drops it should not make a difference yet they can’t have it both ways But they do Dick Turpin comes to mind
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0
D Ridley says:
15 February 2017

Post Office requires payment for cancelled service…

Should the post office hold on to your money after you cancelled a service? E.g., they take a quaterly payment up front (E.g,. payment in February to cover May) If you cancell part of your service before they collect payment (even two weeks before) you still have to pay the full bill amount for the quater as if you had not cancelled. They say the refund will be reflected in your next quarterly bill which is effectively months away. So you are effectively still paying for a service you won’t be using. Is this right? I would like the benefit of my money straight away not months down the line. I question the ethics of having to firstly pay for something I am not using and then having to wait months to get my money back. On top of this the Post Office say if I cancell my direct debit to allow them to make the adjustments they will restrict my calls and still require the same payment that they will later refund. Is it just me or does this sound like nonsense to anyone else?
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0
Billyboy1 says:
14 February 2017

The government is always looking for Productivity Improvements -here is one way of helping

Recently on this site there was a complaint about Experian because the person complained that although they were in residence for 55 years, Experian (and it applys to ALL credit agencies) were unable to verify their existance and why does the government not do something about it. I have tried through my MP to get something done but nobody seems to be bothered that thousands of man hours are being wasted by us all having to supply proof of who we are from two lists of forms (passports,driving licence etc) just because the systems being used by the credit agencies are stupid. All the govenment needs to do is prescribe what checks are necessary and give them (The credit agencies) access to passport and drivers info and the whole process could be speeded up. Because my wife keeps opening new savings accounts, to try and get the best interest rate month by month, we have to provide this proof almost daily even though she is 77 lived here all her life and never had any bad debts and has passport ,driving licence etc. What a complete waste of time for all concerned.
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0
yvgrea says:
13 February 2017

claims advisory group

Has anybody used this company?

Is it legit?

Thanks

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14 February 2017

Thanks for getting in touch. If you were thinking of using this company to claim back PPI, we’d advise that you do it yourself instead. Our guide http://www.which.co.uk/consumer-rights/advice/how-to-reclaim-mis-sold-ppi takes you through the whole process. Good luck.

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Steve Wakerly says:
13 February 2017

airbnb cancellation policies

Hosts can and do cancel (with mild penalties) some considerable time after a firm booking has been made because they want to increase the price for the booking . If you refuse to pay more, airbnb refund your money (but no interest) and offer a 10% discount on your next booking. All very well but when it happens twice in a row 5 months after the second booking was made who would then risk booking another property with airbnb again? Certainly not me!
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0
rasbury20 says:
8 February 2017

school uniform cost

Hi how much did you have to spend on school uniform last September? my cost was quite expensive because my son started secondary school so i bought him a brand new uniform. how doe my cost compare to your cost ? my sons uniform cost
school jumper £11×2
school polo shirt £9×3
school trousers £7×2
school shoes / plain black lace up plimsolls £3
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0
2 February 2017

How about the new so called free smart meters that will cost every home £400 plus another over a billion for recalls. Common sense means if you heat anything it costs big money, the rest is peanuts in comparison.

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0
Billyboy1 says:
1 February 2017

Why do BT not HAVE TO tell customers BEFORE they sign up to Fibre to the premises they can not change supplier

We had fibre installed in our village last year and were suitably grateful. I am a BT customer and asked for it to be installed and they did so in due course. Only now do I find they installed FTTP (fibre to the premises or fibre to the home ftth) and when I try to get a quote for a fibre service from other suppliers to check my service is reasonably priced (which it is not) they say I am not connected to fibre. On further investigation this is because BT through their subsidiary Openreach will not give any supplier but themselves access to my line hence I am a captive of a monopoly.Surely I should have been told all of the implications BEFORE being asked to agree to a supply and not left to find out for myself. I have complained to Ofcom but they do not want to know !! Is anybody else interested in taking on BT to get this monopoly broken.
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Astore says:
1 February 2017

AER is it as “equivalent” as the name suggests?

Annual Equivalent Rate (AER) is one of the mostly used indicators for lending and borrowing money. However, unlike what the name suggests, it does not represent an equivalent rate if it was compounded annually.

Let’s look at a simple example:
You borrow £100 with a rate of 10% for a year compounded annually. As you would expect this the money you owe by the end of the year will be £110.
In another case where you borrow £100 with a monthly compounded rate of 10% AER, things are different. At the end of the year you don’t owe the same amount, but instead you owe £110.47. Well, it’s not equivalent, is it?

The reason being that the monthly interest rate is assumed to be equivalent of the AER rate divided by 12 months, which is clearly false mathematics. The difference may not seem a lot in the case of £100 as above, but in larger sums, e.g. in a case of a mortgage which lasts for many years, this may be accrued to a sizeable amount.

I question the sincerity in the naming of such tools. Naming of technical terms should not be a mechanism to mislead people. And I am surprised how governments have allowed AER’s usage.

I hope other people find this as annoying as I do. Give me your thoughts.

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Manxman says:
25 February 2017

Kasperski anti virus software

With all the publicity in the national press about Russian hacking how can we be sure that Kasperski hasn’t deliberately developed an excellent anti virus system which it sells at a sensible price for the particular target market but which actually contains a trojan that can be activated whenever Kasperki feels it would help Russia?
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