Martin Lewis explains the best way to get rid of spam calls and texts.
it's one of our biggest bugbears mountains of unwanted messages and post arriving through our letter boxes and inboxes every day so just how can you put a stop to it all matters here with them spam busting tips guaranteed to lighten your load let's start off with those nuisance phone calls yeah so lots of people get phone calls they don't want and it's very difficult to stop them and it drives people up the wall now the way that you stop this the official way is the telephone preference service many people will know about that on their landlines 83% of people have signed up to it so you sign up to it you can do it online you can call them on your landline and then takes 28 days to activate after that it's a criminal offense for legitimate EU companies to get in touch with you if you haven't requested that they do say what most people don't do though is sign their Mobile's up only 3% of people sign their Mobile's up so a few weeks ago they launched a new number that you could text now the first one they launched charge people when it shouldn't so there's another one now that it's meant to be totally free let me know if you do get charged for it you shouldn't be if you are charged it's gonna be 12 P so let's not let's not go overboard on this type thing and that number is 8 509 5 and you add TPS just those letters and then your email address because they need to legitimize that it is you and then your mobile number will be on the telephone preference service too but note what I said legitimate EU companies that means companies from outside the U u can call you and that means scammers from inside the EU will call you and as in two years time everyone can query well we're not sure what will happen yet on that we don't know where we'll go I suspect you're right that would be my guess on that but there's a couple of things you have to understand first of all if some scammer gets your number and once you're on their database they're gonna keep calling you if they don't care about the TPS then that will feel like the TPS isn't working the other thing and this is what people find you know you do those online forms and it says tick here if you want to opt out but one might say tick here if you want to opt out and the one underneath it will say tick here if you want to opt in and the next one else so they make it very confusing if you tick one of those boxes then you've given them permission to get in touch with you even on the TPS so many people say how can this companies getting in touch with me I'm on the TPS because you ticked a box and you might have thought you were ticking a box to say no when you ticked a box to say yes so you've got to be careful in those but if someone calls you and you're on the TPS from the telephone preference you say I'm a member of the telephone preference service you shouldn't be calling me and legitimate companies will go away that works for text as well as text is somewhat different because okay the first warning on text this gets really confusing if a legitimate company texts you when you don't want the text you text back stop and that should stop them if an illegitimate spam attacks you texting back stop tells them that you're a real mobile phone number and will often mean you get more spam not less so legit companies you want a text stop illegitimate companies you don't want a text stop and you if you don't know the company you've got to assume it's illegitimate so if you get a spam text this is the number to remember 7 7 to 6 it spells spam on most alphanumeric keyboard 7 7 to 6 forward your spam text to that with the phone number that called you what that does is it goes into a database and enough people forward the numbers then they they get blocked so we all have to work together to stop this but also then block that number on your mobile phone and if one is continuing to pester you get in touch with the Information Commissioner and you look at it specifically but we've all got a foreword to seven seven to six don'ts don't reply stop to illegitimate companies or companies you don't know we will put all these numbers on there on there also when
Martin Lewis offer’s financial advice to callers.
Dominic says how can I save money on my gas and electric bills on playing 200 pounds each month on gas electric I'm struggling how can I save their money for Chris well 2,400 pounds a year is over double what you would expect to pay on average two things you need to do one make sure you're on the cheapest bill seventy percent of people aren't on average people are overspending by twenty thirty percent I think you could probably cut six hundred pounds a month off that by going to do a comparison to move yourself from a standard TAF which is what I'm guessing you're on seventy percent of people are to the cheapest on the market do it now before winter gets here and frankly with the exchange rate issue that never would have read about prices going up I i would give you 5050 odds on sometime around late December January being announcements of energy price rises so you want to go lock in a cheap deal now and most people are massively overpaying so if you're on a standard tariff typical average standard tap is 1060 a year cheaper still on the market 760 you're over double that so double the saving and then go and look at your energy efficiency as well walk around the house see what you're using that you shouldn't be using have you got draught excluders where they should be are you making sure you're switching the energy off warmth is probably the most important lag tank all of that go through all of that but I suspect you're on the wrong tariff go and do a comparison on an off Gemma proof comparison site 600 quid bang a year save like that okay
Martin offers some helpful advice on how to cut down your water bills. Catch up now on the ITV Hub:
Like, follow and subscribe to ITV’s official YouTube channel here:
Make sure you’re following ITV for all the latest.
Watch more of the shows you love on the ITV Hub –
Masen this is Marilyn Norma are nice to meet you nice to meet you yes what can I do for you well it's a quick question really should I have a water meter should I not how many bedrooms do you have in your house how many people live in your house just me that certainly indicates you should check whether you get a water meter though water meters are only free in England and Wales so on to the Royal jetty show water bills so anyone here on the meter anyone here paying water rates the other time so here is the rule of thumb if you have the same or more bedrooms in your house than people you should definitely check out whether you should get a water meter is there anyone here who that's ringing about how many bedrooms how many people TV phone two people but another one coming actually that's quite interesting because that will shift the equation and children use a lot of water you're going to be doing a lot more washing than you've ever done before so probably in your case this isn't the time to make the decision because your life is about to totally change in a wonderful and beautiful I hope way and so I wouldn't be doing that anybody else in here gentleman there who isn't pregnant three and two so if there's only two of you especially do tend to bath or shower I can't smell from here a shower shower so especially if you're showering then you're likely to be under using compared to your property this sounds trivial I know water bills we have people who when they do this saving five six hundred pounds a year you know you're nodding have you've done it did it make a big difference to you five hundred pounds of your saving by switching to a water meter so is Marilyn pouring cash down the drain what should water rates at the moment I think it's 30 150 in months okay so we'll call that 380 ish yes yeah we'll call it so I'm going to go to the consumer Council for waters website Thanks calculator well who's your water board its northumbrian water I'm about to ask you some personal questions all right number of people in the household 1 number of baths taken a week none just a shower no that's how many showers a week one every day sometimes – shall we go for 8 we'll go for a 2-week yes number of times you flushed the lure down we're asking in front of all these people once in the night 5 times 5 times if I'm in well let's just call it for how often do use a washing machine once or twice a week ok dishwasher you know garden hose not really right we'll press the button calculating let's see what it says ok based on the information you've given me it tells me your total estimated bill would be 240 pounds a year you're currently paying 380 pounds a year that's three that's a third off so that's a hundred and forty pounds of your savings and more than that noon you may first miss yes I might not go in the night I always go when you need to yeah but actually people tend to use less water when they're on a meter know when you choose to go for a water meter as opposed to you've been forced or as opposed to you've moved into a house with a water meter you have roughly two years in which you can go back ah so that's worth it then because I've heard various high five or not about the torture water come I will do you
Martin Lewis offers financial advice to callers.
hi Jamie hi Marsha I just got a quick question I'm two years in the progress of my degree I've got one year left and I'm basically looking to Bank a lump sum of money into a savings account and then continue doing that after graduation so that I can get a house deposit can you recommend like a specific type of savings account that will benefit me as a student you either want to help to buy ice ax or a lifetime icer they both work in the same way that any money you put in there gets a 25% bonus added on top so if you put a grand in when you come to buy your first property issue and you've never owned a property before you'll have 25% added on top you can put less in a help to buy ice ax 1200 pounds in month 1 than 200 pounds a month in after that more in a lifetime I saw 4000 pounds the big difference in a help to buy ice ax you can get the money out whenever you want and you don't pay a penalty in a lie sir a lifetime aye sir you'd lose 6 percent if you took the money out for anything other than buying a house so that's the big difference and you have to wait a year before you buy a house with a lie superb that's not an issue for you if you definitely go to buy a house with it open the life so the only problem is their only investment lysis stocks and shares ones at the moment Skipton Building Society in June we'll be opening the first saving slicer I'd probably wait til that once that sake when I put your money in there if you've got 5 grand you can put 4 ground in in the first year at the end of the year you'll have an extra gram from the government put the next grand in the year after that and basically 25 percent added to whatever you save go do your reading on it though it's a bit complicated but it'd definitely be life time I saw helped by ITER no question no brainer in that scenario thanks Jamie Jamie cute