Consumeradvice

Cost of Living

Prepayment Meters this Christmas: Staying On Supply & Getting the Support You Need

With many energy suppliers and sources of support closed over the Christmas and New Year periods, it’s important that we get our ducks in a row early enough to make sure that we don’t go off supply. With approximately 300,000 prepayment customers in Scotland, it is important for us to understand how this type of …

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Energy Bill Support Scheme (EBSS) Payments (EBRS and EPG Schemes) through landlords / intermediaries

In September we looked at the Energy Bill Support Scheme (EBSS), and how payments are being made through the scheme to help with energy costs between October 2022 and March 2023. The package of support for all eligible UK households is providing £400 to help offset energy price increases, with the discount being supplied monthly, …

Energy Bill Support Scheme (EBSS) Payments (EBRS and EPG Schemes) through landlords / intermediaries Read More »

Food Waste, Avoiding Overspending, and Sources of Support this Festive Season

Many of us are seeing increases in our food shopping bills at the till, and this will be no different moving into the festive season. Ten pence here, and twenty pence there quickly adds up to pounds at the checkout, and with many budgets tighter this year, understanding how to make the most of our …

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Christmas Shopping Online: Avoiding Payment Pitfalls and Knowing Our Rights

The way we interact with retailers and other traders has changed considerably over the course of the last few years. With many of us turning to online shopping out of necessity during the pandemic, and continuing to do so now, many high street retailers have reduced the number of physical stores they have as a …

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I purchased a car from a dealership and have had ongoing technical issues with it since I got it home. There has been a lot of back-and-forth with them about how we are going to sort the problem. Can you help?

When you purchase a car or vehicle from a trader, the Consumer Rights Act 2015 states that it should be of satisfactory quality. This means it should be in the condition expected of a car of its age and the price you paid. If it has been 30 days or less since you bought the vehicle and …

I purchased a car from a dealership and have had ongoing technical issues with it since I got it home. There has been a lot of back-and-forth with them about how we are going to sort the problem. Can you help? Read More »

SCOTS URGED TO BE ‘SAVVY SPENDERS’ AS NATIONAL CONSUMER WEEK LAUNCHED

Scots have been encouraged to make informed spending choices as National Consumer Week gets underway. With the cost-of-living crisis hitting household budgets, consumers are being urged to carefully consider purchases in the run-up to Christmas. National Consumer Week operates across the UK, and in Scotland it is led by Advice Direct Scotland – which runs …

SCOTS URGED TO BE ‘SAVVY SPENDERS’ AS NATIONAL CONSUMER WEEK LAUNCHED Read More »

Cost-of-Living – Making the Most of Our Energy & the Support Available

Increases to prices and the cost-of-living are affecting us all. With energy costs soaring and inflation making everyday items increasingly expensive, it’s more important now than ever to understand the ways we can reduce our outgoings, and to be aware of the sources of support that are available that can help. It’s not always easy …

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I am in a considerable amount of debt with three credit cards and a personal loan and recently lost my job. I cannot meet the repayments and have been told that a Trust Deed would be the best option for me. Can you help?

Credit cards and personal loans are unsecured debts and are sometimes referred to as ‘non-priority’. Despite the title, it is important that we do not overlook these commitments, as the people we owe money to, sometimes known as our ‘creditors’, can take legal action against us to get their money back. This includes going to …

I am in a considerable amount of debt with three credit cards and a personal loan and recently lost my job. I cannot meet the repayments and have been told that a Trust Deed would be the best option for me. Can you help? Read More »

The Energy Bills Support Scheme (EBSS) – Your Questions Answered

With the Energy Bills Support Scheme (EBSS) payments set to kick off from the 1st of October, many are wondering what this will mean for them, how this will work, and when they will see the benefit. Prime Minster Liz Truss has previously confirmed a new ‘Energy Price Guarantee’ to halt escalating annual bills for …

The Energy Bills Support Scheme (EBSS) – Your Questions Answered Read More »

I have been getting a load of text messages and emails telling me to apply for the Government’s energy bill support payments – the £400 to help with energy costs. I thought this was happening automatically but wanted to double check in case I am wrong, as I am struggling. Can you help?

The UK Government has announced details on how households will receive £400 to help with rising energy bills this autumn. There will be a discount of £66 applied to bills in October and November, and £67 a month from December to March 2023. All households are eligible for the full £400, regardless of income. How the …

I have been getting a load of text messages and emails telling me to apply for the Government’s energy bill support payments – the £400 to help with energy costs. I thought this was happening automatically but wanted to double check in case I am wrong, as I am struggling. Can you help? Read More »