Our investigation has discovered how it is only the threat of price rises or political intervention that prompts higher than average numbers of homeowners to move to a different provider. Four million fewer energy deals were switched last year compared to 2008, despite industry attempts to persuade people to move to a better tariff.
SAVE MONEY, MAKE MONEY: THE BEST RATES, DEALS AND TIPS THAT CAN MAKE YOUR RICHER
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BALANCE TRANSFERS
Best credit cards to help clear your debts at 0 per cent interest -
FIVE FAVOURITE ISAS
We've scoured the savings tables to find the best tax-free savings -
BEST BANK ACCOUNTS
Our pick of the top deals and perks that even include free money -
TOP CREDIT CARDS
From big ticket purchases to rewards, we pick the top deals -
CUT ENERGY BILLS
Is it worth switching supplier and how much could you save? -
CHEAP MORTGAGES
What next for rates, the best buy deals and should you fix? -
CAR INSURANCE
Ten tips to find the cheapest and best cover - plus compare quotes in minutes -
HOLIDAY SPENDING
Bank accounts and credit cards that don't hit you with big fees -
BALANCE TRANSFERS
Best credit cards to help clear your debts at 0 per cent interest -
FIVE FAVOURITE ISAS
We've scoured the savings tables to find the best tax-free savings
The small print that says you CAN quit TalkTalk: Hacked telecoms giant is refusing to let customers leave without paying... but we found a loophole
Angry customers have been trying to escape their contracts with TalkTalk since the firm revealed last week that it had been the victim of a cyber attack which led to personal data and banking details being accessed. It was the third attack in 12 months. But those who have attempted to quit have been told they must pay hundreds of pounds to break their contract early.
'We've brought Lindisfarne Castle into the 21st Century': Two months until sun sets on solar panel grants
Castle steward Nick Lewis oversaw the £45,000 project that resulted in 48 panels being placed out of view on the east roof. He says that without the feed-in tariff payments the project would never have got off the ground. We explain why you must act fast if you want to join the solar party before the lights go out for good.
'I'm careful but phone contracts were still signed in my name': As cyber-attacks become more sophisticated, we look at how to protect yourself from...THE DARK WEB
TalkTalk is the latest victim of a cyber attack, compromising the bank details of four million of its broadband and phone customers. But it's not alone, according to a former MI6 officer who warns of 'mushrooming' losses for companies and a greater risk to consumers. Married IT security consultant Tom Chantler (pictured) is confident he has never given anything away that would result in his bank account being raided. But the 39-year-old, who lives near High Wycombe, Buckinghamshire, discovered in May that contracts for top-end mobile phones had been taken out in his name.
Bungling Scottish Power still owes customers thousands months after it won our wooden spoon winner
The company, owned by Spanish giant Iberdrola, is struggling to clear a logjam of complaints triggered by a botched £200 million computer upgrade. More than 18 months after Money Mail revealed it was having problems, complaints are still pouring into Money Mail's postbag. Among the disgruntled customers are Lynne McCaughey and her daughter Cate, 12, (pictured).
ASK TONY: I've paid £28,000 for life cover on a plan I bought in 1985 - so why is it now worth only £2,000?
I have a life cover plan with Old Mutual Wealth to pay out on the first death of my wife or myself. When I bought it on October 1, 1985, the premium was £15 per month with life cover of £27,757. Payments have risen to £165.27 per month. In July, I was told that if I wanted the same cover, I would have to increase my payments to £395.76.
CUT YOUR BILLS: TIPS AND TOOLS
Find cheaper insurance now
BILLS: LATEST NEWS, IDEAS AND TIPS
Want life cover? You may need to send a selfie to your insurer for clues about your health
Some of Britain's biggest firms are racing to snap up computer programs which can analyse a photo and tell whether someone is a smoker, has been ill or is likely to have a shorter than normal life expectancy. It's all part of a growing scientific field called facial analytics, which is taking off in the U.S. It is based on the theory that the faster someone ages physically, the shorter their expected lifespan.
Fix your bills: how to cut your everyday costs and keep saving money all year round
Needlessly overpaying for gas and electricity, mortgage payments, home phone, broadband and car and home insurance costs can take its toll - adding up to tens, if not hundreds, of pounds every month. Overhauling your bills can potentially save you thousands of pounds, we deliver all the tools and tips you need in one place.
8 WAYS TO SLASH YOUR BILLS
DON'T MISS
- How often am I allowed to contact my tenants and see my house? I want to check how well property is being looked after.Sponsored
- Savers will soon earn more interest from a taxable account than a cash Isa as new rule gives first £1,000 of savings interest tax-free
- House prices up 5.3% in a year London market reignites with average property now costing £500k.
- The compact SUV that defeats depreciation Renault's Kadjar crossover is king for keeping its value, says expert.
- Harry Potter and the Curse of Online Booking Ticketing website for JK Rowling's new play crashes under demand from fans - leaving hundreds disappointed.
- Sky is sneakily increasing its 'standard' monthly line rental to £17.40 (but you may save money if you downgrade)
- The small print that says you CAN quit TalkTalk: Hacked telecoms giant is refusing to let customers leave without paying... - but there is a loophole.
- Virgin Media hadn't heard of the St Albans Sinkhole despite it being national news so they won't fix my phone ASK TONY.
- Lloyds charges Mavis, 80, £1k for account with perks she could never use. She can't drive, rarely travels and owns a £10 phone...
- Auction website where criminal gangs trade your bank details for £23 A special investigation gives a chilling insight into what happens when you've been hacked.
- Pensioners withdraw more than £2bn in first six months of new freedom rules That's a lot of Lamborghinis!
- How 6 in 10 homes pay too much for heating... even though switching to a cheaper deal takes minutes
- Sign up to our exclusive energy deal and you could lop £277 off your winter bills Our latest collective switch tariff revealed. Sponsored
BILLS: DON'T MISS
- Virgin Trains axe railcard perk for those travelling at peak-time And it means some will see their journey price TREBLE
- Solar panel returns set to be slashed by 90% from January Will send payments down from £495 to just £64 a year
- 'A £50 policy helped me pay off my mortgage when I got cancer' The real value of critical illness insurance cover revealed
- Foul! The hell of trying to find the best deal to watch football on TV: Cost of seeing all live matches this season could reach £1.1k
- Ten great credit rating myths busted... Living with indebted friends WON'T affect your score - and there's no such thing as a credit black list:
- How to unlock a cheaper deal for your mobile phone - and it IS legal Trapped in an expensive contract?
- Is now the best time to install solar panels? New energy minister promises to 'unleash revolution' as cost of installation plummets to deliver 10% returns
- Relief from nuisance calls at last? Chancellor pledges £3.5million for technology and campaigns to crackdown on cold callers
- Why does it cost twice as much to phone France and Spain on my BT landline as calling Russia and Brazil? BT is introducing new call charges
- Avios overhaul: Why you'll now earn fewer air miles for your holiday if you fly economy What will the changes will mean for you?
- How to get a cheaper smartphone: The essential guide to getting a new phone without breaking the bank
- The best £7 a month you'll ever spend.. If disaster strikes life insurance can pay out when your family needs it most
- Nation's top 25 money-saving tips revealed Scrapping the tumble dryer and never grocery shopping on an empty stomach...
- Fix your bills: How to cut your everyday costs and keep saving money all year round
- Energy bills: Is it worth switching and which are the best deals?
ANSWERS FROM THE Experts
- I'm 30, single, have no children or assets like a house - should I still bother making a will?
- ASK TONY: Virgin Media hadn't heard of the St Albans Sinkhole despite it being national news so they won't fix my phone
- Energy saving tips: I live alone in a big house - would I save cash if I kept the heating off and used an electric heater in the room I'm in?
- TONY HETHERINGTON: WiseFX currency trading software offers a success rate of over 50%, is it a scam?
- Can I pick apples from my neighbour's tree which overhangs my garden?
- ASK TONY: Npower said my dead uncle owed £1,000 - I asked for a correct invoice but they sent in the debt collectors
- How do I open a UK bank account when I live overseas? And how safe is my money?
- Energy saving tips: Should you turn off radiators in rooms you don't use or will that drain heat from the rest of the house?
- TONY HETHERINGTON: Film fantasist behind movie Henry 5 is on to his sequel as he sets up The Performance Fund
- I badly need the £25k I tied up in a three-year bond but Skipton BS won't release the funds: are they allowed to refuse me?
LATEST ON HOUSEHOLD Bills
- Watch out, Sky is sneakily increasing its 'standard' monthly line rental to £17.40 (but you may save money if you downgrade)
- Over 45s become 'hand me up' generation when it comes to technology as children palm off old smartphones to their parents
- Energy bills: Could you cut your fuel costs by switching to the best deals?
- The small print that says you CAN quit TalkTalk: Hacked telecoms giant is refusing to let customers leave without paying... but we found a loophole
- Want to cancel your TalkTalk contract? Use our email and letter template - and send to the following address
- The price of not switching: Loyal broadband and home phone customers see their bills leap by £103 in just four years
- How 6 in 10 homes pay too much for heating... even though switching to a cheaper deal takes minutes
- Auction website where criminal gangs trade your bank details for £23: A special investigation gives a chilling insight into what happens when you've been hacked
- Our latest collective switch tariff revealed: Sign up to our exclusive energy deal and you could shave £277 off your winter bills
- End of 'shock' bills? Using your mobile in the EU will cost no more than home from 2017 as roaming fees are scrapped