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I have just moved house and let Scottish Power know as we have been customers for 13 years paying a direct debit monthly and never defaulting. Yesterday I had a text from the bank and looking at my accounts they have taken £1,452 out without any prior communication. When I rang them they said it was arrears which I did not have any idea about. I can't understand why I have not been contacted about this as it was so much as I would have paid more each month. I went to the bank and they have refunded me but obviously I have to sort it out. Surely more communication should have been given, they e-mailed me when they needed meter readings. Can anyone please comment on this. Thanks for any input.

A new DWP website has been launched by the Pension Tracing Service to help people more easily and quickly locate their lost pension savings. There is currently an estimated £400 million in unclaimed pension savings. This is money people have previously saved for their retirement, and the new website will better help people to locate their hard-earned savings. The new DWP online Pension Tracing Service helps reunite people with their lost pensions, giving details of providers to help people track them down. Anyone who thinks they may be missing out on any savings can use the free online service at www.gov.uk/find-pension-contact-details. You can search for a workplace pension (a pension an employer has set up for you), a personal pension (a pension you have set up yourself), or a civil service, NHS, teacher or armed forces pension. If you're looking for a workplace pension, you'll be asked for your employer's name. If it's a personal pension, you'll need to enter the name of your pension provider. If it was an NHS, civil service, teaching or armed forces pension, you'll be given a link to contact the specific pension enquiry service directly. Once you've clicked on the relevant company or pension, you'll be provided with a name, address and possibly email or phone number for the administrator of the pension scheme you may have paid in to. You now need to write to or call the administrator to see if they can find your pension, and if so, how much it's worth. If you're writing, include as much useful information as you can – in particular your name, date of birth, the rough dates you believe you had the pension and your national insurance number.

This looks interesting For the full story HERE

Hi, I do PHP and web development as my job. I noticed on the forum some people have trouble uploading images, so end up having to follow a list of instructions on how to save the image as a PDF and then upload it. I've made a simple image uploading tool, and nearly completed the "convert to PDF" option. It will be as simple as choose the image and upload, then paste the link to the forum. No adverts, no data gathering and no cost. I simply have spare servers with huge resources. I wanted to check if I'm allowed to add the link in my signature / recommend users this method. As it will save them time.

Which? is urging Government, regulators and businesses to renew their efforts to call time on nuisance calls and texts as complaints continue to rack up in the tens of thousands. After finding that a quarter (24%) of people don’t know where to complain when they receive an unwanted call, Which? are making it easier by launching a new online complaints tool so offenders can be identified and punished. They are urging consumers to report nuisance calls and texts to give regulators the vital evidence they need to take action against companies breaking the rules. This tool is powered by Which?. It helps determine who you should report nuisance calls and texts to and automatically issues a complaint on your behalf, subject to your approval. To stamp out this everyday menace, we need to get more people reporting nuisance calls. Please use and share our free nuisance call reporting tool today. Report a nuisance call

This is a handy link for those affected. http://www.adviceguide.org.uk/england/benefits_e/benefits_help_if_on_a_low_income_ew/help_with_your_rent_-_housing_benefit/housing_benefit_cuts_for_social_housing_tenants_from_april_2013/housing_benefit_-_bedroom_calculator_for_social_housing_tenants.htm

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