Updated: 03:37 EDT

Hero who tracked bank fraudsters to win back £20k

In the first case of its kind, Gideon Roseman managed to track down his stolen money after it been sent to a crook's account — and get every penny back. Gideon was conned when fraudsters posed as the builder he had hired to extend his home. They hacked into the builder's email account and sent the 39-year-old barrister a message asking him to make a lump sum payment before the work could begin.

In June, savers pulled a huge £1.17 billion from big banks, figures from trade body UK Finance show — the largest amount since records began more than ten years ago.

How to switch all your bills without getting into a muddle

We're constantly being told that to get the best deals on everything from broadband to energy and insurance we should switch, switch, switch. But it's not always as simple as we're led to believe. Guidelines seem to vary depending on which utility or product you are moving. If you cancel your direct debit, do you have to tell the firm you are leaving? How long should it take? And what are your cancellation rights?

Currently, if you push the button to send a payment to an unknown account that later turns out to be fraudulent, banks hold you fully responsible and refuse to cover the losses.

Ford Money has edged up its Flexible Saver deal to 1.12 per cent. It's not the top rate. You can get 1.25 per cent with Ulster Bank, or 1.3 per cent with Bank of Cyprus, including a bonus for 12 months.

Nearly 1,200 people have complained to the information watchdog in a year about nuisance calls and texts from firms selling call-blocking services.

Gideon Roseman managed to beat the conmen and get his money back. He has written this six-step plan to follow for others who think they may have been defrauded.

For current account rewards and interest conditions may apply eg. using provider's full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs.; Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable). *price increases to £26.50 after 18 months ** Sharia compliant account, pays an 'expected profit rate'.





MARKETS LIVE: London shares fall sharply

The rhetoric between President Donald Trump and  North Korea's Kim Jong-un escalated overnight, sending shares on the Nikkei 225 index in Japan and the Shanghai Composite in China into the red. North Korea has been simmering in the background for a long time but with its more advanced weapons and a hot headed Trump ready to act in the White House investors have the right to be nervous.

Yesterday, Cincinnati-based Vantiv asked for more time to strike a deal with Worldpay, the second time it has delayed its takeover bid.

Those who want a decent pension have to save. It might seem elementary but since many people don't save enough we should thank the Office for National Statistics for pointing it out.

Virgin Media has said it had connected 127,000 premises in the second quarter, up from 102,000 in the first quarter for its Project Lightning which aims to give more properties fast interenet.

McDonald's is targeting double-digit sales growth in China by rolling out 2,000 stores over the next five years. The firm said it plans to increase restaurant numbers from 2,500 to 4,500 by 2022.

Roman Abramovich's divorce from third wife Dasha Zhukova, 36, is predicted to put a sizeable dent in the Chelsea Football club proprietor's £9bn fortune.

Can we get broadband without signing up for 12-month deal?

We have had to move to a rented flat for a few months while renovating our home. We hope it will only take three months to get the work finished, what can we do about our broadband? Is there any way of getting broadband without signing up for 12 months or will we have to go without?

The retirement income gap between households with a private pension income and those without is growing, according to Office for National Statistics (ONS) figures.

HM Revenue & Customs is believed to be struggling to cope with high levels of demand. It says 600,000 people have used the site in the past few weeks alone.

Cat D crash-damaged cars explained

We've all seen ads for cars that seem incredibly cheap, only to see the dreaded phrase 'Category D' tucked away at the bottom of the spiel. Immediately, most of us will suspect the worst and move on to the next ad - but is that necessarily a good idea? Might you be missing out on a bargain?

Ever wanted to invest in live cattle, coffee and gold in the same place? The chance to do that - and access 21 other in-demand commodities - is being offered by a new iShares ETF.

Those in retirement owe more money on credit cards, loans and in council tax debts than any category of employed people, according to new research from PayPlan at £19,897.

Why was my state pension reduced after my husband died?

My husband sadly passed away and my state pension is to be reduced. I am confused why I should now be penalised at such a difficult time. I cannot find any information that suggests that this may happen and the government site only refers to how you may benefit.

Wellesley, a peer-to-peer lender which allows property developers to borrow cash from investors, is grappling with losses on its loan book.

Gareth Shaw of consumer rights group Which?, pictured, explains who is eligible for PPI compensation, on what grounds you can make claims, and how best to go about it.

House prices up £5K in year after Brexit vote says Halifax

A combination of record low mortgage rates and a lack of homes for sale has bolstered the property market, but the pace of house price rises has slowed considerably, according to the Halifax house price index. House prices rose by another £789 in July to bring the average home's cost to £219,266 - up 2.1 per cent on a year ago but down on the start of the year.

Retailers experienced slowing sales last month as households reined in their shopping as the pressure mounts on their finances. Households have seen their spending power come under a continued

A new £5 coin celebrating Prince Philip and his 70 years of service could end up being worth a mint in the future, depending on how rare it becomes.

Is my stamp collection valuable? How to find out for free

In the 1950s and 60s, stamp collecting was commonplace, with around half of young Britons having a collection of some sort. Since then, its popularity has died out. However, many may have collections gathering dust, either inherited or forgotten about in the loft, and no idea how to get them valued - we reveal how, and the gems that have been found in the attic.

Get your state pension back on the RIGHT track

Workers aged 40 and over are being urged to obtain a forecast of their state pension to avoid huge financial disappointment when they reach official retirement age. It has never been easier to obtain this information. Nor has it been more important to act early to squeeze the best value from the state scheme.

Holly Casswell (pictured) paid the amount being asked for by the debt collectors, and then Extra Energy told her it was an error and the money was due from the previous tenant.

Once rail passengers have a digital version of their railcard stored on the app, they will be able to use it to access money off train tickets without having to worry about the paper version.

Wind down (before you take off) at an airport lounge

Lounges allow passengers to escape the chaos of the airport terminal and chill out with comfortable seating, unlimited food and drink and free wi-fi. But with entry to the most luxurious lounges costing £40 or more, the price tag might put some off. Yet there are ways to cut costs, especially for regular travellers.

Spiralling bank overdraft costs are under the spotlight again. The Financial Conduct Authority, the City's regulator, says the market needs 'fundamental change'.

The recent success of Chris Froome in the Tour de France - following on from Bradley Wiggins in 2012 - has prompted many Britons to think about getting back on a bike.

I earned a lot from Red Dwarf: CRAIG CHARLES

Craig Charles, DJ and comedian, came close to losing his home during the 2008 financial crisis despite being able to command fees of more than £10,000 a night working as a DJ. Charles, who played Lister in cult TV sitcom Red Dwarf, had to fight to keep his five-bedroom house in Cheshire after taking out two 'mighty' mortgages and failing to sell an £860,000 property in Southampton.

Three million households are to see their energy bills fall by up to £19 a year as the regulator lowers a price cap aimed at protecting pre-payment customers.

The Bank said last week its Term Funding Scheme would end in February. About £78 billion has already been lent and the figure is poised to soar to £115 billion by the time the TFS is terminated.

TONY HETHERINGTON: Firm tries turning on the heat

After several unsolicited calls, my parents were under the impression British Gas would be calling to provide advice on how to save on their energy bills. In fact they were visited by a salesman from National Heating Solutions Limited. He was in their home for three hours, selling a new heating system costing £10,000.

EVR Holdings, which devises virtual reality musical experiences, from concerts to festivals to studio sessions, is at the centre of this fast-changing industry.

Midas recommended IG Design exactly a year ago, when the price was 218½p. Since then, the price has soared by 73 per cent to 379p and there is still potential for further gains.

Oil companies pull out of Venezuela as unrest grows

Opec member Venezuela is having trouble paying back creditors, with its economy struggling under the weight of triple-digit inflation and chronic shortages of food and medicine. Last Friday, the country inaugurated a new legislative superbody that could rewrite its constitution and give vast powers to President Nicolas Maduro's ruling Socialist Party.

Quarto, which publishes controversial books such as 'The Cannabis Cookbook' alongside more traditional titles, saw £3.8m added to its value after it revealed an undisclosed takeover bid.

The broadcaster's commercial arm, BBC Worldwide, said that its Hey Duggee cartoon was watched more than 200m times in April and May alone, on two Chinese streaming platforms.

The company, which saw its US sales rocket last year, said the new facility near Atlanta, Georgia marks a 'significant progression' in its growth strategy.

He now owns more than 16.5m shares, or 12.59 per cent, of the company's market capital. Shares fell by more than 40 per cent on Monday after it revealed a shock £5.2m loss over the first half.

New Look sales slump in stores but fashions are a hit

The clothing chain said trading had been disappointing in its first . Sales dropped 4.4 per cent to £338.7m in the 13 weeks to June 24, from £354.2m the year before. Sales across stores open for more than a year slumped 7.5 per cent while sales on its website dropped 0.6 per cent.

Sales jumped 5 per cent to £256.5m in the 16 weeks to July 21 while sales across stores open for more than a year jumped 2.7 per cent compared to the year before.

Insurance and investment giant Standard Life has revealed investors pulled out a net £3.7 billion from its funds in the first half as it nears completion of its merger with Aberdeen Asset Management.

The Dow Jones index hit a new all-time high last night, and that is all thanks to Donald Trump. Or rather that is what the Donald would have us think.

Pru has been in Asia since the 1920s, but has been boosted by a new clamour for insurance and pensions from freshly enriched middle-class families in China and elsewhere.

Six reward credit cards that pay you to shop

Airline and supermarket reward cards are a popular option, but your favourite high street store may also offer a credit card that will clock up loyalty points when you spend. You are unlikely to earn a fortune or be able to use points to pay for your entire weekly shop but they do give you something back for your spending.

RAY MASSEY: New Ford Fiesta is frugal but fun

More than 4.5 million of us have bought one in the 41 years since its launch in 1976, with a million sold since 2008. And it has been the nation's bestselling car annually for the past eight years. In the ultra-competitive world of small hatchbacks, if you snooze, you loose. But believe me, you won't feel like having a siesta with this new model.

How you can cash in on the electric car boom

Drivers pulling off the forecourt in their brand new electric car may think they've just made a purchase which will improve the world. Electric cars, it is argued, are cheaper to run, quieter to drive and better for the environment than any petrol or diesel alternatives. The Government has said that by 2040 all new cars will be electric.

Neil Woodford put on a brave face yesterday after two turbulent weeks for his funds. The star fund manager has been rocked recently as companies he invests in suffered sharp falls in their share prices.

Figures from trade body the Investment Association show some £1.1 trillion is invested in UK funds after a record £18.4bn was invested in the first half of the year.

The 10 best hybrid cars on sale today

The Government confirmed it last month - the sale of new conventional petrol and diesel-powered cars will be prohibited from 2040. However, that doesn't include hybrids. That means cars with petrol and diesel engines and a supplementary electric power source will still be allowed in the UK.Want to get a head-start on the new laws - these are the ten highest rated hybrid cars you can buy in showrooms today, according to the expert road test team at What Car?. Clockwise from top left: BMW i8, Volvo XC90 Twin Engine, VW Golf GTE, Toyota Yaris Hybrid.

Portsmouth-based Car Finance Company bosses told staff last week the firm will shut within two years. It is one of Britain's largest sub-prime lenders, with about 40,000 customers.

SMMT data shows that 161,997 new cars were registered last month, down 9.3 per cent on July last year and the fourth consecutive monthly fall this year.

Next two months set to see surge in remortgaging

More than £35bn worth of mortgages are due to mature in the next two months, the biggest period of home loan maturities in five years according to specialist data firm CACI. Homeowners could save hundreds of pounds a month by remortgaging thanks to reduced rates and increased house prices pumping up their mortgage loan-to-value, analysis by Yorkshire Building Society shows.

Is it still worth considering buying a leasehold property when the Government has said it wants to ban leasehold houses and restrict ground rents to as low as zero?

How to earn maximum interest from your current accounts

Savers have not had it easy in recent years, with interest rates near record lows, but some are turning to elaborate ruses to eke out a better return. Crystal Cansdale, pictured, is one of them. She tells us how she's making around £52 a month in interest, thanks to the seven current accounts she has set up, with savings account beating rates between 2 and 5%.

The Bank of England warned that economic growth will likely remain 'sluggish' for the time being as the squeeze on household incomes continues to hold back spending.

TalkTalk says I owe it £165 for line rental and contract payments over the past four months. But during this time I've been with Sky so I don't understand why I am being chased for this debt.

Friends Life work pension exit fee of 78% condemned

Horrified saver, Russell Jones, pictured, discovered he faced a 78% exit penalty to move an old Friends Life pension pot built up through work. It exposes the large loophole in the Government's drive to stamp out excessive fees. It banned exit fees on all new pensions and capped them at 1 per cent for over-55s, but the cap doesn't apply to older pots held by younger savers.

Credit crunch: ten years on our problems still remain

As the great and good of the financial world headed for the beach ten years ago, everything seemed to be fine. While there had been rumblings of problems brewing in the US mortgage market, most of the players were fairly relaxed. On August 9, 2007 they discovered it wasn't, but a decade on we have little to show for our lesson and much of the problems remain.

Almost five million Britons live or work outside the UK and many of them don't want to give up property ownership in their homeland, but getting a mortgage has got much harder.

The proportion of overseas landlords with properties in Britain has hit a recent low this year as tougher tax measures, political uncertainty and falling house prices in London bite.

Ford Sierra RS500 Cosworth sells for £115K at Silverstone

If someone told you at the end of the 1980s that in less than 30 year's time a Ford Sierra would be worth £115,000, a Vauxhall Lotus Carlton £72,000 and a Peugeot 205 GTI almost £40,000, you'd have probably doubled over in hysterics. But the spike in classic car values in recent years has seen the price of hot hatches and Fast Fords spike - like the Ford Sierra Cosworth RS500 pictured that just sold at auction for £115,000.

Sorting out a problem with your boiler or getting a new one installed can be the stuff of nightmares. HomeTree claims to have the answer video chat appointments with an engineer.

Some passives investments blindly follow an index and therefore generate near identical returns. But smart beta ETFs seek to root out golden opportunities to enhance returns.

How to beat Virgin Media exit fees

Kevin Sinclair who lives in Reading had to pay Virgin Media £222 for cancelling his contract early. He wanted to take the service with him but it physically wasn't available and he still had to pay the penalty fee.

Edinburgh homeowners face £600k railway wall repair bill

The Blandfield development in the Scottish capital is home to many elderly and disabled people, who are now being chased for around £6,000 each. Last month, residents were given 28 days to find the cash or face debt recovery action - even though some can't afford to pay.

Can shops legally refuse £50 notes?

Recently, I tried to pay in a shop with a £50 note - but it was refused. Can it do this and can I report the shop? Also, will there be a new polymer £50 note in the future, similar to the new £10 note launching next month?

50 ways to save money....

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.

Rightly or wrongly, some people simply want a quick, straightforward route map to investing in an Isa. To that end, this is our distilled guide to getting started.

How much money do I need to save for my pension?

The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?

Old people / couple (figurines) - sitting on a pile of money coins - savings / bills / financial / investment / pensions concept.
savings, money, finance, pensions, savings, money, finance, pensions, retirement, coins, pensioners, future, security, insurance, savings, money, finance, pensions

Making the most of a pension is your best chance of securing a decent income when you retire. We explain what you need to know.

Even at a time when we are stretching our finances further to afford a home, moving less, and pushing mortgages beyond 30 years, we still remain captivated by two-year fixed rate deals.

When will UK interest rates rise?

Worries over debt in the economy have been raised in the latest bank Financial Stability Report in the wake of fresh speculation that interest rates may rise sooner than most expect. The latest MPC meeting led one investment bank, Nomura, to suggest a rate rise could come as soon as August. Economist George Buckley said comments from Bank chief economist Andy Haldane's and the 5-3 split made an early move more likely.

What next for mortgage rates?

Borrowers are being offered a raft of cheap fixed rate mortgages as lenders attempt to lure them into remortgaging or buying a home. But HSBC has decided to buck the trend and launch a new rate mortgage that is a tracker instead. We pick out the best fixed and tracker rate mortgages and look at what next for rates.

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Best paid jobs and biggest pay rises of 2016 revealed

Compare your pay to the national average and see whether your employer treated you to a pay rise in line with the the rest of your profession. Farmers, care and air travel assistants were big winners on the pay scales in 2016. Travel agents, careers advisers and probation officers lost out.

Premium Bonds winners

August 2017
Prize value Winning bond No. Area
£1,000,000 87DH369559 Leicestershire
£1,000,000 164QV715020 Bristol
£100,000 78WT211368 Kirklees
£100,000 11BX061836 London
£100,000 108VH624020 East Sussex
£50,000 45HQ519519 Stoke-On-Trent
£50,000 305MT369656 West Midlands
£50,000 289WC671218 Buckinghamshire
£50,000 234JL749601 Overseas
£50,000 176CB195657 Suffolk
£25,000 53KL770998 Kent
More Premium Bonds winners


Tourist rates

Currency Rate Buy now
Updated 09 Aug 2017.
Euro 1.084 Buy Now
US Dollar 1.273 Buy Now
Australian Dollar 1.5999 Buy Now
Canadian Dollar 1.6019 Buy Now
Chinese Yuan 8.3141 Buy Now
Croatian Kuna 7.8822 Buy Now
Czech Koruna 28.101 Buy Now
Danish Krone 8.0213 Buy Now
Egyptian Pound 16.27 Buy Now
Hong Kong Dollar 9.8832 Buy Now
Hungarian Forint 326.0457 Buy Now
Icelandic Króna 126.8157 Buy Now
Israeli New Shekel 4.4658 Buy Now
Japanese Yen 140.015 Buy Now
Malaysian Ringgit 6.2624 Buy Now
Mexican Peso 22.2062 Buy Now
New Turkish Lire 4.4157 Buy Now
New Zealand Dollar 1.7272 Buy Now
Norwegian Krone 10.0229 Buy Now
Polish Zloty 4.5393 Buy Now
Singapore Dollar 1.7226 Buy Now
South African Rand 16.6888 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 10.3324 Buy Now
Swiss Franc 1.2372 Buy Now
Thai Baht 41.6175 Buy Now
UAE Dirham 4.6456 Buy Now

Monthly Or Lump Sum Savings Calculator

Monthly savings plan

Find out how much a regular monthly savings scheme could make me.

Or lump sum investments

Calculate how much a lump sum investment could be worth.


Mortgage Affordability Calculator

Your monthly payment

Enter how much you plan to borrow and find out your monthly bill. Assumes interest calculated annually.

Your total mortgage

Enter the amount you can afford to pay monthly (eg. your current rent) to find out how much you can borrow...

Are you over-stretching

How much of your income goes on your mortgage?

Argos discount codeKwik Fit discount codeWaitrose discount code

There are several reasons why people may not disclose their full income and gains, including that they may not realise that they need to do so.

Insurance and investment giant Standard Life has revealed investors pulled out a net £3.7 billion from its funds in the first half as it nears completion of its merger with Aberdeen Asset Management.