EXCLUSIVE: The passenger took his complaint to Barclaycard after Pakistan International Airways ignored his request for a refund after the unpleasant flight from London Heathrow to Islamabad in February. But it seems unlikely to be a precedent for using consumer credit laws to bypass uncooperative airlines in claims for flight compensation.
Magellan Homeloans will enable customers who have experienced a one-off life event that has led to poor credit status the chance to get a mortgage loan.
The pound has risen nearly 3 cents against the US dollar and almost 2 cents against the euro since last week as optimism grows.
The 4.6 per cent rise in the month was the strongest since August 2010 boosted by greater demand fuelled by growing consumer confidence. But the figures also showed a worrying increase in property prices relative to average earnings in a sign that borrowers are stretching their finances to get the home of their dreams.
Under the new rules shoppers will also have 14 days to return goods bought online or by phone – an increase from the current seven days.
The total would be enough to pay for the average family weekly shop for a year and a half or buy a small car, according to the Labour party, which based the figures on analysis of OBR forecasts.
The average earner moved from a final salary pension onto a defined contributions (DC) scheme would have lost out on £2,192-a-year of pension income just five years after transferring.
Tax evasion prosecutions by HM Revenue and Customs (HMRC) hit 617 between April 2012 and March 2013, more than twice the 302 brought before the courts in 2011/12.
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An expert answers.
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The top-flight slipped 15.4 points to 6604.2 in spite of impressive data from Britain's retail sector, housing market and manufacturers. It added to yesterday's 28-point slide while European markets also fell back and in New York the Dow Jones Industrial Average was down in early trading.
Pre-tax profits climbed 15.2 per cent to £56.9million, with gross written premiums - the amount of new car insurance policies written in the period - up 6.7 per cent to £265.4million.
The chain has issued its second profit alert this year, and announced a switch in focus from the traditional bakery market towards attracting 'food on the go' customers.
Carney (pictured) should use 'forward guidance' to convince the public that rates will stay at 0.5 per cent for the foreseeable future, according to the Ernst & Young Item Club.
The sector, which accounts for 75 per cent of the overall economy, grew at its fastest pace in more than six years last month, suggesting growth in the third quarter will be higher than expected.
The world is still trying to make sense of what went wrong during the crisis - and the soul-searching has led to a surge of interest in socially responsible investment.
The shares drop came as Europe's biggest bank posted a 10 per cent increase in profits to £9.2billion on Monday.
BALANCE TRANSFERS
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CHEAP MORTGAGES
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BALANCE TRANSFERS
FIVE FAVOURITE ISAS
Isa investors have been offered a new hunting ground in the AIM market, with individual shares listed there now allowed into their tax-friendly pots. AIM’s crop of small and medium-sized growth companies has long been a fertile hunting ground for stock-pickers, but volatile prices can also prove a graveyard for the unwary who fail to do their research. We highlight some of the best expert managers.
The bank rate is at a rock bottom 0.5%, and one day it must rise. The big question is when? We explain the factors that will decide when interest rates rise and how quickly, including the latest forecasts from markets and economists.
Almost a third of retirees surveyed by LV= revealed that their health had worsened in the five years after they retire, while one in 10 said they had been diagnosed with a serious illness.
AIM has spawned some terrific companies and amazing returns, says Ian Lyall, but investors need their wits about them when hunting growth stocks.
Fund managers will have to publish a detailed rundown of the charges they cream off investments under proposals from their industry body.
Three in five renters say they cannot afford to jump onto the property ladder - the highest figure recorded since 2011, when property website Rightmove began its rental market report. If a first-time buyer was saving for a 10% deposit to put down on a property last month, they would have needed £17,082 - at the start of the year, this figure stood at £16,226.
Sole traders, such as landlords, lawyers, farmers and doctors will be able to join the fast growing lend-to-save boom, after Funding Circle announced today it's open for business to non-limited companies.
Millions may be entitled to refunds or compensation from payday lenders, a new study has revealed. We explain what could count as grounds for complaint and how to take action.
More adventurous and sophisticated investors have long been tempted by the prospect of tax-free returns from investing in wine. Potential buyers now have more options thanks to new wine trading platforms, but what are the best ways to invest? We explain how to do it and the traps.
Many families will holiday in Britain this year to save money but while they will save on travel costs, accommodation, days out, entertainment and eating can prove more expensive than going abroad. We round-up ideas to help you save money on home shores over the summer holidays.
Genevieve Lee took her daughter Madeleine to see the musical Wicked for free, what deals could you pick up this summer?
Ofgem forecasts a £110 rise in the average cost of gas and electricity for a standard annual tariff over the next year.
As Ofwat says we can expect an average price rise of 3.5 per cent on water bills this year, Michelle and Don Yates have saved about £12 a month by installing a water meter.
Barrie Segal, of campaigning website AppealNow, has reviewed around 60,000 parking tickets on behalf of motorists over more than a decade. If you believe you have been the victim of an unfair parking fine, here we explain how you can get justice.
Its one year fix came with a rate of 2.05%, while its two year deal had a rate 2.35% – both were launched on 11 July 2013 and now both have been axed.
My parents have recently downsized their house and have £90,000 cash left in the bank. If they give away half of this, would the local authority think they are trying to avoid future care home costs?
Twins Jayne and Marie met their goal of owning their own homes by the age of 30 thanks to 95 per cent mortgages from Nottingham Building Society. Here’s where to look – and what to look out for – if you are aiming to buy this summer.
This undercuts other two-year fixed rate offers on rate, but an arrangement fee of £1,999 means it does not represent the best option for everyone.
Katie's medical insurance rewards her with discounts for adopting healthy habits, and she saved 75 per cent on a weekend visit to a health spa. We explain how to get private treatment without having to pay a fortune.
Lloyds Banking Group boss Antonio Horta-Osorio, who disclosed the high dividend target during a recent round of investor roadshows, is trying to attract investors ahead of the sale of the Government's 39 per cent stake in the bank, according to reports. A 70 per cent dividend payment would be the highest compared to other UK banks.
Consumers choosing to put their feet up in the heatwave, or staying glued to their screens during Wimbledon and The Ashes, have been blamed for flat high street sales during July.
The company has been hit by a demand from federal energy regulators to respond to allegations, made in 2011, that it rigged natural gas markets at the Houston Ship Channel and Katy trading hubs.
The group will spend £49million overhauling its international clubs and £29million opening 15 new gyms across Singapore, Thailand, Malaysia, India and Germany.
The company behind fashion chains Monsoon and Accessorize is slashing the number of full-time shop staff.
While we all save for cars, holidays, a big-screen TV, or just for a rainy day, there are no bigger investments the average British adult will make than buying a house and taking out a pension. But with many households finding their incomes squeezed, the amount people can set aside is at a premium, so what should someone in their 20s be saving for?
She knew I had more than 30 years of National Insurance contributions already, how could she know that? Are they dodgy?
Almost half of households with incomes of more than than £70,000 surveyed worry that their retirement income will not meet their needs.
Is my Britannia one-year fixed rate savings bond safe from the changes taking place at the Co-op or should I be looking to place my money elsewhere? Our experts answer
British Gas said the proposal is designed to encourage people to transfer some energy use to the weekend when national power demand is lower.
My wife and I are self-sufficient and don't intend to apply for state support, but if my wife were to go into care, would I be obliged to contribute from my pension? Or are we treated as separate individuals?
When going on holiday or travelling abroad, it can be difficult to know what the right amount of tip is to leave – or whether it is expected at all.
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A new tax year means a fresh Isa allowance to save. We pick our five favourite cash Isas for savers, don't miss this essential Isa reading that is kept up-to-date throughout the year.
The Association of Investment Companies has analysed all investment trusts to find the 20 strongest and most consistent performers of the last decade. We reveal the full list.
The bank rate is at a rock bottom 0.5%, and one day it must rise. The big question is when? We explain the factors that will decide when interest rates rise and how quickly, including the latest forecasts from markets and economists.
Mortgage lenders continue to offer record breaking rates as cheap money filters through, so should you grab grab a bargain basement mortgage?
Property sales are finally on the up, while better mortgage deals are landing regularly. So what now for house prices?
For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Read our top ten buy-to-let tips
'The salesmen at the timeshare are like the Gestapo'
Britons stuck with dream homes as timeshares won't even sell for 99p
Can I sue the Government for pension rule changes?
They could leave me £95,000 out of pocket
'We switched to Npower in May last year and still haven't received a bill'
Energy giant faces watchdog grilling over billing fiasco
Finding a decent income is the Holy Grail for many savers
But beware of unacceptable risks
Best and worst income funds
Small cap contender from Unicorn tops the 'White List'
How to get your grand design off the ground
Five top tips to find a self-build mortgage
My friend has run up crushing secret debts, should I tell his wife?
He keeps on spending despite saying that he wants to do something about it.
| Prize value | Winning bond No. | Area |
|---|---|---|
| £1,000,000 | 192AZ143791 | West Sussex |
| £100,000 | 140CD877302 | Suffolk |
| £100,000 | 36RA311365 | Kent |
| £100,000 | 205LM886789 | Hertfordshire |
| £50,000 | 193ZL417625 | Surrey |
| £50,000 | 96QA481464 | Norwich |
| £50,000 | 79ZG984773 | East Sussex |
| £50,000 | 173QT904563 | Dorset |
| £50,000 | 179YB498139 | East Sussex |
| £50,000 | 145DN219636 | Bromley |
| Currency | Rate | Buy now |
|---|---|---|
| Updated 06 Aug 2013. | ||
| Euro | 1.1346 | Buy Now |
| US Dollar | 1.5052 | Buy Now |
| Australian Dollar | 1.6515 | Buy Now |
| Canadian Dollar | 1.5461 | Buy Now |
| Chinese Yuan | 9.0173 | Buy Now |
| Croatian Kuna | 8.3948 | Buy Now |
| Czech Koruna | 28.85 | Buy Now |
| Danish Kroner | 8.3287 | Buy Now |
| Egyptian Pound | 10.14 | Buy Now |
| Euro | 1.1346 | Buy Now |
| Hong Kong Dollar | 11.547 | Buy Now |
| Hungarian Forint | 330.47 | Buy Now |
| Indian Rupee | 87.578 | Buy Now |
| Japanese Yen | 147.33 | Buy Now |
| Malaysian Ringgit | 4.7743 | Buy Now |
| New Turkish Lire | 2.8634 | Buy Now |
| New Zealand Dollar | 1.9044 | Buy Now |
| Norwegian Kroner | 8.7715 | Buy Now |
| Polish Zloty | 4.6663 | Buy Now |
| Singapore Dollar | 1.8871 | Buy Now |
| South African Rand | 14.617 | Buy Now |
| Sterling | 1.0 | Buy Now |
| Swedish Kroner | 9.7381 | Buy Now |
| Swiss Franc | 1.3894 | Buy Now |
| Thai Baht | 46.039 | Buy Now |
| UAE Dirham | 5.4793 | Buy Now |
RUTH SUNDERLAND:
Brussels botches top bankers' bonus cap - its heavy hand will only make matters worse
CITY FOCUS:
Profit with a clear conscience - how the financial crisis made ethical investing a big issue
DANNY GABAY:
America is key to future of UK housing market - since the introduction of QE, we are all bound together even tighter
MIDAS SHARE TIPS: Exciting new line of drugs at Glaxo injects optimism
Glaxo shares offer strong growth prospects
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GOPublished by Associated Newspapers Ltd
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Tony Hetherington
Tony Hazell