Money

New free £150 bank switching bonus

New free £150 bank switching bonus, cheap wills, 6,000+ free hidden property gems, 5p off per litre of fuel at Morrisons and check if you’ve unclaimed Premium Bond prizes. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, deals can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

The final countdown to the PPI deadline

It’s the final countdown (du-du-du-duh). The PPI deadline is tonight – after that it’s over. Our Money Saving Expert Martin Lewis, has been campaigning over mis-sold PPI for 18 years, and has helped people get many billions back. He’s warning not to leave this until tonight, do it ASAP; now, at lunchtime, the sooner the better. Over to Martin….

THE PPI DEADLINE IS TODAY!! DO NOT IGNORE IT. And yes, I am shouting, I’d shout from the rooftops if I could. There’s still time to put in your claim, so get on it ASAP!

You shouldn't show your boarding pass in all airport shops

You don't always need to show your boarding pass in airport shops

**Ensure you claim PPI for deceased relatives, top one-year fixed savings, free water during the heatwave and don’t show your boarding pass in all airport shops.**

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these tips will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

Urgent – you can reclaim PPI for a deceased relative

The PPI deadline is nearing, it’s little over a month away – 29 August, and if you haven’t started a claim by then, you won’t be allowed to do so (apart from taking court action). So anyone who has ever had a loan, mortgage, credit card, store card, overdraft or car finance should check now if you were sold PPI (and due to the Plevin rule, even just having PPI since 2008 means in most cases you’re owed money). You don’t need to pay anyone to reclaim use Martin’s Free PPI reclaiming tool with lots of guidance, or read Which’s info, and if you’re stuck, call the regulator, the FCA’s helpline on 0800 101 8800.

But it’s not only you who can claim. You can also reclaim mis-sold PPI for a deceased relative – and ever since I first warned of the PPI scam in 2001 (and it’s been going on far longer), that’s an estimated 10m Brits, many of them would have lost out to this bank and building society heist. Yet while the official deadline is a month away, if it's for someone who has passed away, it's even more urgent as getting the paperwork together may take time.

Any money owed become part of the estate and goes to the beneficiaries, though officially the executor (if there’s a will), administrator (if there’s no will) or next of kin (for small estates) needs to make the claim with the lender.

You claim in the usual way, but you’ll need to have all your paperwork ready (e.g. probate or letters of administration) and remember there’s no need to pay any one, there’s free template letters available online to help. It’ll also help if you know as many details as you know about the deceased's circumstances at the time they got the policy – employment, sick pay entitlement, additional cover they had, and their health. Better still, if someone else was present at the time of the sale, they can tell what they remember (especially where the credit was taken by more than one person).

I’ve heard of many success like Mrs Cork who emailed “I found several old loan statements showing PPI in my late husband's paperwork. Six weeks later, the bank wrote back saying they would be paying me £33,000. Thank you”. If you’re wondering how you can prove the mis-selling for a deceased relative, remember this was systemic mis-selling, it was sold as a matter of course, so the company should look to see if other people in similar circumstances were mis-sold, and if they don’t, and you’re rejected, carry on to the free financial ombudsman service who will look at that.

Top one-year fixed savings

And if you need a place to put your PPI pay out money, or you just have savings, then there’s a new top payer on the market if you’re willing to lock cash away for a year. Shawbrook Bank is now paying 2.02% AER on min £1,000. You can open and manage the account online and Shawbrook Bank is fully regulated which means in the unlikely event they went insolvent you get the full UK £85,000 per person, per institution savings safety guarantee.

Slightly higher rates are available from Sharia savings provider BLME at 2.2% AER - anyone can open these, but as interest is prohibited within Islam you don’t get interest you get an ‘expected profit’ rate. I’ve never heard of a UK Sharia complaint account not paying the full rate, but obviously it’s not quite the same as normal savings. Worth considering though. It’s also fully UK FSCS regulated.

Alternatively, if you don’t want to tie up your money, the top easy-access account is Marcus Bank (part of investment bank Goldman Sachs) paying 1.5% AER - including a 0.15% bonus for 12 months – after which the rate will drop so you make you sure you diarise and switch then. You can save from £1 and make unlimited withdrawals. It too has the full £85,000 UK savings safety guarantee.

Claim PPI for deceased relatives

Ensure you claim PPI for deceased relatives, top one-year fixed savings, free water during the heatwave and don’t show your boarding pass in all airport shops. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these tips will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

How first time home buyers can build big savings

Money Saving Expert Martin Lewis’ Tips of the Week.

New top LISA for first time buyers, tax credits deadline warning, 50% off Alton Towers, Amazon ‘Prime Day’ deals and an amazing adventure for teens. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

Save a stash of cash when you travel abroad

Money Saving Expert Martin Lewis’ Tips of the Week

New top way to spend abroad, top mobile switchers deals, new top LISA for first time buyers, beat Virgin media’s price hike, and Burger King Whopper deal. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

Treat yourself to a few beauty tricks and online discounts

Money Saving Expert Martin Lewis’ Tips of the Week.

Top big name easy-access savings, beauty tricks, 20% off eBay outlets, and Amazon £5 off £20. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

Bring down the bills and bag a few freebies with Martin Lewis’ Tips of the Week

Check now if your energy bill’s in credit, beat Netflix price rise, free PG Tips and free gym membership for 16-18 year olds. These are our Money Saving Expert Martin Lewis’ Tips of the Week.

Remember, tips can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.

Check NOW if your energy bill's in credit. As if it is at this time of year, you're likely due cash back

If you're one of about 70% who pay for electricity or gas bills by direct debit, check NOW if you're due credit back – the timing is perfect, so don’t delay in checking. Full help in Martin’s How to reclaim £100s in energy credit blog, but in brief…