IT’S one of the most popular burgers McDonald’s has despite only being on menus once a year – and now it’s available once again.
But the fast food chain is bringing back the popular beef burger featuring slivered onions, lettuce, cheese, tomato and Big Tasty sauce for two weeks only – so you’ll have to be quick.
The Big Tasty is returning for two weeks onlyMcDonalds
This year, the menu favourite will be available to buy from November 7 until November 20.
It will cost £5.79 with fries and a drink, or £6.19 with bacon on top.
On its own, the Big Tasty will set you back £4.19 or £4.59 with bacon.
That’s £1.10 more than a Big Mac on its own.
There will also be Nacho Cheese Wedges – wedges of cheese, not potato – on the menuMcDonalds
The Big Tasty is the only menu favourite returning to McDonald’s.
The fast food giant is also launching Nacho Cheese Wedges – a portion of five wedges made out of cheese and jalapenos served with a sour cream and chive dip – for £1.69.
They will be available for eight weeks from September 26 until November 13.
The two new items will appear at McDonald’s at the same time as its Great Tastes of the World rotating burger menu, as reported by The Sun.
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There are four burgers that will be added to menus over the next eight weeks: two new ones, and two old favourites.
We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.ukor call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
CAR insurance premiums are being driven up by sneaky firms which trick customers into using them and then take hundreds of pounds from payouts, The Sun can reveal.
Big insurance firms, including Ageas, More Th>n, Admiral, the AA, Aviva, Axa, Churchill, Direct Line, Esure, Hastings Direct, LV=, Saga and Tesco Insurance have been affected by the issue.
Claims companies are paying Google to make sure that they appear above insurance companies when people search to make a claim on mobile. Here the hoax site is above the genuine Ageas site on search
Some are now warning customers or working with the police, thanks to an investigation by this newspaper – and Google has launched its own investigation to see if the ads need to be removed.
The Ministry of Justice, which regulates claims management companies has now also confirmed that it is looking into the issue of CMCs purchasing mobile advertising space and posing as insurers as a result of The Sun’s discoveries.
The claims firms pay Google to appear as the first result when a customer searches for an insurer on their mobile phone.
Customers are not told they are speaking to a claims management firm and are often unaware that they are not calling their insurer.
Drivers who go to click on the link will usually find their phone pops up with a call button
Many of the firms even use URLs which include the insurer’s name to further convince drivers that they’re the real deal.
The firms can charge customers a fee – sometimes as much as 25 per cent of the claim amount, according to Aviva – for using their service.
The average pay out for car insurance customers is £2,936, according to the Association of British Insurers, meaning claims firms could take as much as £734 per claim.
They may also pass personal details onto other ambulance chasers, meaning consumers are plagued by dodgy calls.
Other tricks include providing the person making a claim with expensive hire cars while their own car is being replaced. Aviva told the Sun that these can cost as much as double what you would pay for a replacement car through your own insurer.
They may also artificially lengthen the time it takes for repairs to be made.
Most of the links in the Google ads, which contain the insurer’s name to make them seem legit, do not lead to legitimate websites
All these tricks and charges make claims more expensive, which in turn mean premiums across the UK go up.
It is believed that car insurance customers pay an extra £30 per policy, per year, due to claims management companies.
With an estimated 31.2million cars on the road in the UK, this means claims management companies could be costing consumers as much as £936million pounds each year.
When The Sun investigated it found several websites targeting insurance company adwords, including Claimforcar.co.uk, claimscall.co.uk, and reportaclaim.co.uk.
All the companies used URLs in the advertising, which included the names of insurers such as www.claimscall.co.uk/direct_line/claim or http://www.claimforcar.co.uk/LV/claim.
Clicking on these links either takes you to the claims management company’s homepage or opens up a call on your mobile.
None of the links with the insurance company name in actually lead to a legitimate page if you put them into a search bar.
ClaimForCar.co.uk is one of the websites buying Google ads to appear above insurance companies in mobile search
Ian Crowder, the AA’s insurance expert, said: “Claims management companies attempting to pass themselves off in this way are not just being sneaky but are bordering on misrepresentation.
“If someone contacts them the costs will be considerable and they will seek to recover their costs from the insurers responsible and this is one of the reasons why our car insurance premiums are so high. ”
John Ashmore, head of counter fraud at Direct Line, said: “Dealing with these companies can mean [consumers] end up with a large bill when things go wrong, or the claims management company takes a percentage of their overall claim leaving them out of pocket.”
ClaimsCall.co.uk us another accident management company buying up Google ad words
Ageas claims director Robin Challand said: “Car accidents are a shocking experience and as you quickly search for the details of your insurer to help you deal with the aftermath you may just click on the first link that looks right.
“If that link is to a claims management company rather than your insurer you’ll be handing over your personal information to a company that will look to profit from your misfortune.”
Richard Hiscocks, casualty claims director at Aviva said: “Customers who are placed in a credit hire vehicle have the vehicle for around 30 per cent longer than if we put the customer in a replacement car managed directly by Aviva.
“Some credit hire organisations will string the credit hire agreement out for as long as possible to maximise the profit from the claim.
Who are the websites?
THE Sun found three websites regularly targeting insurance companies with mobile advertising.
Claimforcar.co.uk: Claim for car’s website says it was set up in 2017. But there is no record of a company with that name on Companies House.
The website does not give any further information about the organisation and only contains a phone number and email for making claims.
When The Sun called the claims number, we we told that we were put through to claims handler from the Accident Support Team.
There is no company with this precise name registered on Companies House.
Claimscall.co.uk: Claims Call’s website says that it is an accident management company.
Its website reads: “We work by combining services of companies regulated by the ministry of justice and financial conduct authority to ensure that you do not need to maintain multiple points of
contact during your accident claim.”
Again the company is not listed on Companies House under that name.
When the Sun called the claims number, we were told again that we were through to the Accident Support Team, the same organisation behind claimsforcar.co.uk.
ReportAClaimUK.co.uk: On its website Report A Claim UK describes itself as an ‘Accident Service’.
Unlike the other businesses there is a Report a Claim listed on Companies House, although the information there says it is a car leasing business, not a claims management firm or law firm. The business was incorporated in 2017.
The Sun has contacted all three companies for a comment.
“It’s no surprise then that the cost of the replacement car nearly triples when we don’t manage it ourselves.
“Insurers are obliged to pay for these inflated costs, even though they have no control over them, which in turn pushes up the cost of motor insurance for all of us.”
Martin Milliner, claims Director at LV=, said: “Claims management companies are duping innocent and vulnerable customers… We’ve already placed evidence with the FCA, who take over regulation of these companies in April next year, calling for them to take action against this unethical conduct. We’ve also approached internet companies and asked them to put a stop to allowing these companies to advertise in this way.”
David Williams, AXA UK’s technical director, added: “Very little surprises me about claims companies these days but if this is as it appears, it would be another example of a subversive practice which pulls the wool over honest customers’ eyes. It’s not illegal but most people would view it as sneaky at best.”
“There is a reason that regulation of CMCs is currently being tightened and, frankly, it’s long overdue.”
Report a Claim UK is another firm buying up Google adwords
Claims management companies are currently regulated by the government, under the Ministry of Justice. They are not illegal because they provide a service to customers.
But it is illegal for organisations to infringe on an insurer’s copyright. Aviva took a claims management company, CastleRock Marketing, to court earlier this year.
The URL in the Google advert was aviva.carclaimline.com/motor-claim.
Aviva took Castlerock Marketing to court for copyright infringement
A high court judge agreed that using Aviva’s name in the Google Ad constituted infringement and ordered CastleRock to publish an online notice stating that any customers who dealt with CastleRock should contact Aviva.
The judge also ordered a pan-European injunction and recovery of £18,000 of costs.
From April next year, it will be up to the city watchdog, the Financial Conduct Authority to regulate firms.
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A spokesperson for the Association of British Insurers said: “This is yet another example of how the claims cowboys will go to any lengths to trick customers.
“Customers should always go to their insurer direct when they need to make a claim, using the contact details in their insurance documents.
“This latest scam further reinforces why The Civil Liability Bill must be enacted in full to help protect honest motorists from those who abuse the system.”
A spokesperson for Google said: “We have a set of policies which govern what ads we do and do not allow on Google. We are investigating this issue and if we discover ads that break our policy, we’ll take appropriate action.”
A spokesperson for the Ministry of Justice said: “The Claims Management Regulator has made concerted efforts to clamp down on rogue behaviour in the industry, removing over 1,300 licences since 2010 and issuing fines of over £2.8 million since 2015.
“The CMR investigates all complaints and, where a breach of the rules is identified, enforcement action is taken that can result in the business being closed down.”
What can consumers do to stay safe
THESE ads work by tricking people into calling and assuming that they are the legitimate insurer.
Fortunately, there are things you can do:
1. When you’re trying to make a claim, go to your insurer’s website, and look for a claim
number there
2. Keep an eye out for the little “ad” warning, which show that the link you’re clicking on has
been paid for
3. If it doubt, check your insurance documents first.
4. So far, the adverts have only been popping up on mobiles and tablets, so you may be better
when searching from a computer
5. When you get your insurance policy documents – save the number in your mobile. That way if you have an accident, you’ll have the correct number to hand
6. If you think you have been duped, get in touch with Action Fraud.
We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.ukor call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
WE’RE now into our festive countdown, helping you save now to avoid feeling the pinch later.
We spend an average of £500 per household on Christmas, with many relying on credit or struggling to cover the cost out of a single pay packet.
Getty – Contributor
Start saving for Christmas now with our savvy budgeting hacks[/caption]
Today, some of our savvy Sun Savers are on hand to share their budgeting hacks . . .
SUE SMITH, from Milnthorpe, Cumbria, says: “For many years, I have saved £1 per day into a money box and this has paid for most of what I need for Christmas, with some left to spare for the big food shop. I don’t really notice the extra expense and it soon accumulates.”
RUTA STANKEVICIENE, from Bury St Edmunds, Suffolk, says: “I save my Nectar points to use at Argos because they usually have a three-for-two deal on toys in the run-up to Christmas. It really helps me with the cost.”
SHARON ADAMS, from Midsomer Norton, Somerset, says: “When I use a money-off voucher, I put the saving in a jar then use it for Christmas. For example, when a supermarket sends me a voucher for £6 off a £40 online shop, I put that £6 in the jar.”
LESLEY STARLING, from Cambs, says: “When I do my weekly food shop, I buy one extra item (checking the use-by date) and pop it into a large box. When Christmas comes round, I have my own Christmas goodies box.”
SALLY HAYWARD, from Shrewsbury, Shrops, says: “I know I will need to entertain the kids over Christmas, so I look for pine cones while out walking and use them later for festive crafts and decorations.
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Reader’s saving tip
SHEILA TOLLEY, from Bradford, says: “Don’t throw away your hummus and other dip pots – wash them out and save them. They make great stackable food storage for your freezer.”
Upload your hints at sunsavers.co.uk/tips and get 28 codes, worth £5, if we print yours. Please include your name and town.
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Win £15,000 off your mortgage
WE’VE teamed up with free online mortgage broker Habito to offer one lucky reader £15,000 towards their mortgage.
To be in with a chance of winning our great cash giveaway, collect TEN of the Sun Savers codes printed daily until September 25. Today’s code is on Page 16.
Win £15,000 off your mortgage with this fantastic Sun Savers giveaway
Then go to the Sun Savers app or sunsavers.co.uk and enter your TEN Sun Savers codes. Lastly, go to the “Win A Year’s Mortgage with Habito” page in “Offers” and click “Enter” by midnight on Monday, October 8.
A recent study by Habito found 58 per cent of British homeowners could save on average £294 a month (that’s £3,528 per year) by switching to a better mortgage. To find out more, visit Habito.com.
Not a Sun Savers member? Go to sunsavers.co.uk or download the Sun Savers app to get involved.
Terms and conditions: 18+ UK residents only (excludes IoM, Channel Islands). Code collect Sep 8 to 25, 2018. Entry closes Oct 8, 2018. Winner selected at random. T&Cs apply. For full T&Cs see sunsavers.co.uk.
Win £27k for your wedding
YOUR dream wedding can come true – thanks to Sun Savers.
All you need to do is get involved with our latest, brilliant Sun Savers competition to Win Your Wedding.
Getty – Contributor
At Sun Savers we’re giving one lucky reader £27,000 to pay for their big day![/caption]
As the average wedding now costs around £27,000, tying the knot can put a serious strain on your savings. So here at Sun Savers we have decided to give one lucky reader £27,000 to pay for their big day!
With our prize, one happy couple will get the chance to have the wedding of their dreams — from the venue and reception to the bridal gown, flowers, hair and beauty.
This competition is open to everyone, so if you have a loved one walking down the aisle soon, you can enter for them.
To be in with a chance of winning, you need TEN of the 18 Sun Savers codes, printed daily in The Sun from today to Tuesday, October 2. Today’s Sun Savers code is on Page 22.
After entering your codes via the Sun Savers app or website, head to the “Offers” section and click “Enter” on the “Win Your Wedding” section before midnight on Monday, October 15. Then you are in.
Not yet a Sun Savers member? Search for “Sun Savers” in the app store or register at sunsavers.co.uk. Just enter your name, date of birth and email address to get started.
Remember to check for app updates so you don’t miss out on the latest offers. As a Sun Savers member you will get access to massive competitions, bonuses on Sun Superdays — and even FREE CASH.
That’s right. For every 28 Sun Savers codes you enter, we will put £5 in your Sun Savers wallet to spend however you like.
That could add up to £65 in a year — simply for reading your favourite paper.
So don’t hang about. Sign up today and get collecting your Sun Savers codes.
Terms and conditions: Collect TEN Sun Savers codes from the 18 printed in The Sun between Saturday, September 15, and Tuesday, October 2, 2018. Last chance to join in is Sunday, September 23. Competition closes at 23:59pm on Monday, October 15. Over-18, UK residents only. One entry per person. Winner will be selected at random from all valid entries. There will be ONE winner of 1 x £27,000 cash. Allow seven days from entry closing for the draw to take place. Winner will then be notified within 14 days.
Please allow 28 days for receipt of prize. Prize is non-transferable. Your information will be used only for the purposes of this competition. Promoter is News Group Newspapers Ltd. Not open to staff of the Promoter and promotional partner or their families. The winner will be asked to participate in reasonable publicity relating to this competition. The Editor’s decision is final.
For winner details, send a stamped addressed envelope to News UK, Competitions Department, 1 London Bridge Street, London, SE1 9GF, stating which competition you require details for.
Play now to win £15,000 on the Sun Savers Raffle
JOIN thousands of readers taking part in the new Sun Savers Raffle.
Every Sun Savers code you enter will earn you a ticket for our £15k monthly Raffle. And for every ten tickets you collect in a calendar month, you get a GOLDEN TICKET for our £80k Raffle, which takes place every three months, with the first one at the end of June.
Join thousands of readers taking part in the new Sun Savers Raffle
There is no limit to how many tickets you can collect. So the more you enter, the better your chances.
To take part go to sunsavers.co.uk or open the Sun Savers app. Then opt in to each month’s Raffle by clicking “Yes!” when prompted and start collecting the Sun Savers codes printed daily in the paper.
Today’s code is on Page 20. Every time you scan or enter a code into Sun Savers, you get a Raffle ticket in the £15k Raffle.
Not yet a Sun Savers member? Just go to sunsavers.co.uk or find “Sun Savers” in the app store to get started.
KATY Light has always been good at budgeting – and that came in handy when planning her wedding day.
The 32-year-old mum of two from Greenwich, South London, takes advantage of supermarket loyalty points to treat girls Elli, ten, and Lilli, four. She is also a big fan of Sun Savers Superdays.
Win £27,000 for your wedding and celebrate your big day on us with tips to tie the knot on a budget
Shop supervisor Katy, who is married to Steven, 35, an electrician, says: “I like going on the free days out at Chessington and Legoland.”
As part of our Meet Sun Savers series, we find out how Katy kept her wedding day to under £10,000 — without skimping on style.
Secondhand shopping. Katy found items she liked and scoured eBay for cheap versions or learned to make them.
She says: “For my shoes, I embellished my trainers with the words ‘Mrs Light’ by using a sheet of sticky diamantes (£1.99 for 775, eBay). It was much cheaper than a £120 pair from notonthehigh street.com.”
Snap appy. Often, official photography can start at around £700 for the day. But Katy had another way to get the perfect pictures.
She says: “We used an app called WedPics. They give you cards printed with your name and a password on. We then laid these out everywhere for people to pick up.
“People could upload their photos of our wedding on the app and we get all the pictures for free.”
Cut daytime guests. At £120-a-head for the day guests and £25 for evening guests, Kate reshuffled her guest list, ending up with 60 for the day and a further 50 later.
She says: “We restricted day invites to family only and had more to spend on our evening party, which meant a better bash for the same number of people and saved about £2,000. Bulk buy. Katy found a way to avoid the discomfort of the bridal party standing in heels for the entire day.
She says: “I bought flip-flops to wear in the evening and everyone loved it.
“But even though Primark was cheap at £2 a pair, I found ten for £18 at a wholesaler — £1.80 a pair.”
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Reader’s saving tip
CAROL MACKIE, from Falkirk, says: “Don’t buy expensive water- retaining pellets for your patio tubs and hanging baskets. Use cheap disposable nappies instead as they work a treat at very little cost”
Share tips a sunsavers.co.uk/tips and you will get 28 codes worth £5 if yours is used. Please include your name and town.
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My Sun Savers fiver
JANE ROWE, from Stockport, Cheshire, says: “I saved £30 in my account and used it to buy a ticket to the theatre.”
Tell us your Savers fiver stories at sunsavers.co.uk/fivers and you will get 28 codes worth £5 if yours is used. Please include your name and town.
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Win £27k for your big day
DREAMING of a perfect wedding but can’t quite afford it?
Then get involved with our latest Sun Savers competition to Win Your Wedding.
Win £27,000 for your wedding and celebrate your big day on us
As the average wedding now costs around £27,000, tying the knot can put a serious strain on your savings.
So here at Sun Savers we have decided to give one lucky reader £27,000 to pay for their big day!
With our prize, one happy couple will get the chance to have the wedding of their dreams — from the venue and reception to the bridal gown, flowers, hair and beauty.
This competition is open to everyone, so if you have a loved one walking down the aisle soon, you can enter for them.
Getty – Contributor
Here’s how to pay for your big day with a little help from Sun Savers[/caption]
To be in with a chance of winning, you need TEN of the 18 Sun Savers codes, printed daily in The Sun from today to Tuesday, October 2.
Today’s Sun Savers code is on Page 20.
After entering your codes via the Sun Savers app or website, head to the “Offers” section and click “Enter” on the “Win Your Wedding” section before midnight on Monday, October 15. Then you are in.
Not yet a Sun Savers member? Search for “Sun Savers” in the app store or register at sunsavers.co.uk. Just enter your name, date of birth and email address to get started.
Remember to check for app updates so you don’t miss out on the latest offers.
As a Sun Savers member you will get access to massive competitions, bonuses on Sun Superdays and even FREE CASH.
That’s right. For every 28 Sun Savers codes you enter, we will put £5 in your Sun Savers wallet to spend however you like.
That could add up to £65 in a year — simply for reading your favourite paper.
So don’t hang about. Sign up today and get collecting your Sun Savers codes.
Terms and conditions
COLLECT TEN Sun Savers codes from the 18 printed in The Sun between Saturday, September 15, and Tuesday, October 2, 2018.
Last chance to join in is Sunday, September 23. Competition closes at 23:59pm on Monday, October 15. Over-18, UK residents only.
One entry per person. Winner will be selected at random from all valid entries. There will be ONE winner of 1 x £27,000 cash. Allow seven days from entry closing for the draw to take place. Winner will then be notified within 14 days.
Please allow 28 days for receipt of prize. Prize is non-transferable. Your information will be used only for the purposes of this competition. Promoter is News Group Newspapers Ltd. Not open to staff of the Promoter and promotional partner or their families. The winner will be asked to participate in reasonable publicity relating to this competition. The Editor’s decision is final.
For winner details, send a stamped addressed envelope to News UK, Competitions Department, 1 London Bridge Street, London, SE1 9GF, stating which competition you require details for.
Win £15,000 to pay your mortgage
THERE is still time to join in with our amazing Sun Savers competition in which you could live mortgage-free for an entire year.
We have teamed up with free online mortgage broker Habito to offer one lucky reader £15,000 towards their mortgage.
Getty – Contributor
Grab your chance to win £15,000 from Sun Savers to pay your mortgage[/caption]
To be in with a chance of winning, collect TEN of the 18 Sun Savers codes printed daily in the paper until Tuesday, September 25. Today’s code is on Page 20.
Then head to the Sun Savers app or sunsavers.co.uk and enter your TEN Sun Savers codes.
Finally, go to “Win A Year’s Mortgage With Habito” in the “Offers” section and click “Enter” by midnight on Monday, October 8.
Switching your mortgage could save you thousands, according to Habito, the free online mortgage broker. If you have not changed your mortgage in a couple of years, you might be among the millions of homeowners sitting on their lender’s standard variable rate.
That is the interest banks switch to once the low initial rate runs out.
Habito research has found Brits overspend unnecessarily on our mortgages to the tune of £15.5billion a year.
The average household with a mortgage could save up to £3,500 annually by switching to a better deal. If you think this might apply to you, visit habito.com to get free expert advice.
Using cutting-edge technology, Habito will scour the whole market – comprising 20,000 mortgages from more than 90 lenders – in search of the best possible option.
Then it is over to one of Habito’s award-winning mortgage experts to advise and guide you through the application from beginning to end.
TERMS and conditions: 18+ UK residents only (excludes Isle of Man & Channel Islands). Code collect 8/9/18 to 25/9/18. Entry closes 8/10/18. Winner selected at random. T&Cs apply. For full T&Cs, see sunsavers.co.uk.
‘£45k caravan is best gift ever’
SUN Saver Samantha Blackwell got the best birthday present ever with our Win A Caravan competition.
As a child, the 30-year-old council worker from Sheffield enjoyed many happy caravan holidays with nan Joan, 76, and grandad Pat, 79. So Samantha, pictured, was thrilled to bag the incredible prize worth more than £45,000.
Glen Minikin – The Sun
Sun Saver Samantha Blackwell, 30, bagged a caravan worth more than £45,000[/caption]
She says: “Turning 30 was a big milestone, so I was thrilled when my partner Chris whisked me away on a caravan holiday. A caravan might seem a strange place to celebrate your 30th but thanks to Nan and Grandad, I love them. When the competition popped up, I couldn’t resist entering. Anything to get me back in a caravan!”
Chris, 32, also has fond memories of childhood caravan adventures.
Now the pair have a luxury Canterbury caravan from Willerby, at Primrose Valley in Filey, North Yorks. The top-end two-bed van includes a shower room, integrated kitchen and flatscreen TV.
Samantha stayed at Primrose Valley as a youngster and says: “It was one of my family’s favourites. There was so much for children to do and my dad Pete has fond memories of chasing me around.
“I can’t wait to return after all these years and hit the crazy-golf course again. Hopefully I’ll be better this time around.”
The spacious caravan sleeps up to eight – plenty of room for Samantha’s grandparents to stay.
She says: “I can’t wait to take them back to Primrose Valley to say thank you for all the amazing trips as a child. They were a huge part of my childhood and I’m excited to introducing Chris’s young nephews to the world of caravans too.
“I want to say a huge thank you to The Sun. It’s the best 30th birthday present ever.”
1,000 takeaways up for grabs
DON’T miss next weekend’s Sun Savers competition, where we are giving away an incredible £30,000 worth of Just Eat takeaways.
With summer over and television hotting up, nothing beats a night in with your favourite takeaway.
We are giving away an incredible £30,000 worth of Just Eat takeaways next week
So to get your weekend off to a cracking start, we have teamed up with takeaways king Just Eat to give away 500 delicious takeaway dinners next Saturday and Sunday.
Getting involved is simple. Just pick up your Sun newspaper next Saturday and find the Sun Savers code printed daily inside.
Head to the Sun Savers app or website and enter your code there.
Then go to that day’s draw in Sun Savers and click “Enter” to book your place. So whether you are craving a cheeky Chinese or fiery Indian, make sure you pick up next Saturday’s Sun to see if you are one of our winners.
Play now to win £15,000 on the Sun Savers Raffle
JOIN thousands of readers taking part in the new Sun Savers Raffle.
Every Sun Savers code you enter will earn you a ticket for our £15k monthly Raffle. And for every ten tickets you collect in a calendar month, you get a GOLDEN TICKET for our £80k Raffle, which takes place every three months, with the first one at the end of June.
Join thousands of readers taking part in the new Sun Savers Raffle
There is no limit to how many tickets you can collect. So the more you enter, the better your chances.
To take part go to sunsavers.co.uk or open the Sun Savers app. Then opt in to each month’s Raffle by clicking “Yes!” when prompted and start collecting the Sun Savers codes printed daily in the paper.
Today’s code is on Page 20. Every time you scan or enter a code into Sun Savers, you get a Raffle ticket in the £15k Raffle.
Not yet a Sun Savers member? Just go to sunsavers.co.uk or find “Sun Savers” in the app store to get started.
JD WETHERSPOON has cut food and drink prices by 7.5 per cent – for one day only.
Today is “Tax Equality Day”, which is part of a campaign to lower the tax burden on pubs and other businesses in the hospitality industry.
Rex Features
Prices at Wetherspoon pubs will be reduced for one day only, in order to show the benefits of a VAT cut[/caption]
The cash-saving deal is available at each of the Wetherspoons pubs in England, Wales and Northern Ireland.
The discount applies to all food and drink to highlight what the price would be if the 7.5 per cent VAT didn’t apply.
Scotland has different licensing rules, which means the discount only applies to food, soft drinks and hot drinks – so you’ll still need to pay full price for alcohol.
All food and drink sold in pubs is subject to 20 per cent VAT, whereas many food items sold in supermarkets are not subject to the levy.
As a result, retailers are able to use that saving to sell alcohol at a discounted rate.
Wetherspoons boss, Tim Martin, said: “Pubs suffer a huge disadvantage paying about 16p in business rates per pint versus about two pence for supermarkets.
“A reduction in the level of VAT on a long-term basis will create a level playing field and generate growth and jobs in an important and vital industry – especially in beleaguered high streets.”
The pub chain has the backing of industry organisations, UK Hospitality and the British Beer and Pub Association (BBPA) who called on all of their members to join in.
Kate Nicholls, UK Hospitality Chief Executive, said: “The tax disparity between the hospitality sector and supermarkets is still far too high.
“Pubs are paying around a third of their turnover in tax compared to a fifth for big supermarkets able to sell alcohol at very cheap prices.
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“A cut in the rate of VAT for the hospitality sector can help address this unfairness and allow pubs and bars to invest in their businesses and staff members.”
An inflationary increase would add an extra 5p to every pint that could put off pub-goers even more – which could drive more of Britain’s much loved boozers to close.
We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.ukor call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
TELEVISION viewers who have entered their details on the TV Licencing website in the past few weeks are being urged to check their bank statements for suspicious transactions following a data alert.
TV Licencing warns that from 29 August until around 3.20pm on 5 September 2018, some transactions carried out on the website were “not as secure as they should have been”.
TV Licencing says customers should check their bank accounts for suspicious transactionsPA:Press Association
In some cases, information including names, addresses, emails, sort codes and account numbers, were not encrypted when they were transmitted from customers’ computers to TV Licencing.
Because of this, there is a possibility that fraudsters could have intercepted these un-encrypted details.
The Sun has asked TV Licencing how many customers may be affected.
But given over 25.8million people had a TV licence in 2016/17 – the latest figures available from TV Licensing – thousands of people could have been hit.
How to watch TV legally without paying for a licence
IN the UK, any household watching or recording live television must hold a TV licence.
In recent years, this has been extended to include BBC programmes on iPlayer, whether they are live, catch up or on demand.
But does everyone really need a licence? Here’s the lowdown on how to avoid paying – legally.
Watch on demand TV available through services such as ITV Player, All4, My5, BT Vision/BT TV, Virgin Media, Sky Go, Now TV, Apple TV, Chromecast, Roku and Amazon Fire TV.
Watch on demand movies from services such as Sky, Virgin Media, BT Vision, Netflix and Amazon Instant Video.
Watch recordedfilms and programmes either via DVD or Blu-ray, or downloaded from the internet.
Watch YouTube where you can view video clips and more.
As a precaution, TV Licencing says customers should check their bank accounts for suspicious transactions and to make sure direct debits haven’t been amended.
If you detect any suspicious activity on your account, contact your bank or building society urgently and report it to national crime reporting agency Action Fraud.
You can also contact TV Licensing with any queries on 0300 790 6024.
The company stresses there is “no evidence of the website being subject to any sort of attack, or anyone having acted maliciously and the chances of anyone having accessed this information are very small”.
It adds that debit and credit card details are unaffected, as are customers who rang TV Licencing to make transactions over the phone during this period.
In a statement published online, TV Licencing said: “As soon as we discovered this issue, we took the website offline to urgently fix it. The website has been restored with full security and all transactions are now encrypted again.
“We’ve urgently investigated and have established the cause so we can ensure it doesn’t happen again. Additionally, we’re contacting all customers urgently who we believe submitted their bank details during this period.”
The data alert comes just days after a British Airways data breach that affected hundreds of thousands of customers.
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We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.ukor call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
Brian Farrer, the owner of Winkle Transport & Removals, in Finchley, North West London, has some advice for smart moving.
Go eco. While some cost is inevitable, Brian says: “Ask removal companies if they have used cardboard boxes available. They might be free of charge, as another customer had been charged for them previously. “See if you can use a smaller vehicle and do a couple of trips to save the expense of two vehicles.” SAVE: £20 per five large cardboard boxes you buy.
Be an early bird. Brian says: “It’s better to move in January, February or March, as companies are quiet and they’ll offer you a great deal.” The time of day matters too. Brian adds: “The early bird catches the worm as far as we’re concerned. We like to start early and finish early.” SAVE: Up to 20 per cent.
Get proper quotes. Check your initial quote with a delivery company won’t include any nasty surprises. Brian says: “It’s definitely worth agreeing a quote that already has the add-ons included. If you’ve got an open cheque book, they’re going to take advantage, aren’t they?” SAVE: Up to £375 on packing services, materials and assistance with disassembly for a three-bedroom property.
Know what to expect. Just how much should it actually cost to hire a delivery company? Brian says: “For two guys, it should be £75 an hour for competent movers. It can go down to £30 or £40 per hour but that’s with people who don’t specialise in moving — they’re just people with a van. “There is a difference. If you value your items — if you have nice stuff you really care about — pay the extra for the experienced movers. “But if it’s a ‘bin bag’ move, go with the £30/£40 guys.” SAVE: £45.
Solo services. If you are single, the idea of moving solo might stress you out. But help is available. Brian says: “If you’re single and you get the right mover, they will take your keys, pack the property up, move it to the new place and unpack it. “When you come back after work, they hand you the new keys. It’s a nice service.”
Prices on this page correct at time of press.
Deals and offers subject to availability.
Shop & save
Colgate ProClinical 250+ toothbrush costs £19.99 at Superdrug
Choose from TEN locations across the UK, each home to hundreds of animals.
Visit the oldest aquarium in the world at Brighton and see an eye-catching array of starfish in their new feature, Sea Stars.
You can also see starfish at Great Yarmouth, Manchester, Blackpool and London.
Find out how to enter to win tickets to Sea LifeSun
To get your tickets, go to the Sun Savers app or sunsavers.co.uk.
Opt in to the Superdays promotion in “Offers”.
Next, collect NINE of the 18 Sun Savers codes, printed daily until Tuesday, September 18.
Enter your nine codes on Sun Savers and click “Redeem”.
You will get an email with a unique booking code and steps on how to book at your chosen SEA LIFE aquarium.
Not a Sun Savers member? See page 16. You can still collect ten of the 18 printed tokens and use the online booking form, but only Sun Savers get early booking.
T&Cs: Subject to availability. Code Collect. 18+ T&Cs apply, see thesun.co.uk/superdays.
Getting a mortgage can be hell — painfully slow, expensive, baffling and stressful.
This is why we have teamed up with online mortgage broker Habito, who have made it their mission to make the process easier, smoother and more empowering.
And one lucky reader could live mortgage-free for a year with £15,000 from us.
Mortgage applications can be long and stressfulAlamy
To be in with a chance of winning this amazing prize, simply collect TEN of the 18 Sun Savers codes printed daily between Saturday, September 8 and Tuesday, September 25.
Then head to the Sun Savers app or sunsavers.co.uk and enter your TEN Sun Savers codes.
Lastly, head to the “Win a Year’s Mortgage with Habito” page in “Offers” and click “Enter” by midnight on Monday, October 8.
Using cutting-edge technology, Habito scours the whole market (20,000 mortgages from more than 90 lenders) in search of the best possible option out there.
Habito have a unique new serviceHabito
Then, it is over to one of their award-winning mortgage experts to advise and guide you through the application from beginning to end.
Whether you are re-mortgaging, moving house or buying your first home, Habito’s service is free to use.
And because they are committed to helping people save money wherever and whenever they can, they will keep in touch to let you know if and when you could get a better deal.
Habito has already helped more than 150,000 people get the mortgage they deserve. Visit habito.com to find out if they can make getting a mortgage easier for you.
The money you could win back could even be worth more than the deposit you paidGetty – Contributor
Not a Sun Savers member? Search “Sun Savers” in the app store or register online at sunsavers.co.uk.
All you need to enter is your name, date of birth and email address to get started. Remember to always check for app updates so that you do not miss out on the latest offers.
As a Sun Savers member you will get access to massive competitions, bonuses on Sun Superdays and FREE cash.
That’s right — for every 28 Sun Savers codes you enter, you will get £5 put into your Sun Savers wallet to spend however you like. Over the course of a year this could add up to £65 — just for reading your favourite paper.
TERMS AND CONDITIONS: Collect TEN Sun Savers codes from the 18 printed in The Sun between Saturday, September 8 and Tuesday, September 25, 2018. Last chance to join in is Sunday, September 16. Competition closes at 23:59pm on Monday, October 8, 2018. Over 18, residents of the UK only (excludes Isle of Man & Channel Islands). One entry per person. Winner will be selected at random from all valid entries. There will be ONE winner of 1x £15,000 cash only. Allow 14 days from entry closing for the draw to take place. Winner will then be notified within 14 days. Please allow 28 days for receipt of prize after closing date. Prize is non-transferable. Your information will only be used for the purposes of this competition. Promoter is News Group Newspapers Ltd. Not open to staff of the Promoter and promotional partner or their families. The winner will be required to participate in reasonable publicity relating to this competition. The Editor’s decision is final. For the winner’s details, please send a stamped addressed envelope to News UK, Competitions Department, 1 London Bridge Street, London, SE1 9GF stating which competition you would like the winner’s details from.
Join Q LIVE and get 5 free lives
Q Live… sign up with Sun Savers and get an advantageQ Live
Q LIVE, the daily live trivia game labelled “the game that stops the nation”, has upped its prize money to £1,000 every evening.
The app, available on iOS and Android, is offering all Sun Savers members a unique code that will give new players FIVE free lives when they sign up.
Head to the Sun Savers app or website and opt in to the Q LIVE promotion found in the “Offers” section.
Then enter ONE of the seven Sun Savers codes printed daily in the paper from today until Friday, September 14.
Lastly, head back to the Q LIVE page on Sun Savers and click “Redeem” by midnight on September 14.
You will be taken to a website where your unique codeword will be waiting.
Q LIVE presenters Sam Pinkham, Amy Voce, Marina Berry, Pandora Christie and Charlie BakerAmit Lennon
Then download the free “Q LIVE” app and sign up. In the referral box enter your unique code.
You will receive your first free life instantly, and four more free lives by midnight on Sunday.
You will then need to answer 12 multiple-choice questions correctly and you will win or split the cash on offer.
It is that simple.
To play, pick from a choice of three answers.
The questions get harder as the game goes on.
To make things a little tougher, you get just ten seconds to answer each question – so you won’t have time to Google the answer.
Free lives can be used on any question up to Q9 and will mean you have an even better chance of winning.
What’s not to like?
Q LIVE is live on your phone screen at 1pm and 8pm weekdays and at 8pm on weekends. Join the thousands of other Q Lovelies and get playing Q LIVE.
T&Cs: 18+ UK residents only. Collect one code between 08/09/18 and 14/09/18. Promotion closes 14/09/18 at 23:59pm. Users will receive one life initially upon sign-up. Additional four lives will be rewarded by 23.59 on 16/09/18. T&Cs apply. For full T&Cs see sunsavers.co.uk.
Sun Savers raffle
Want to get involved in our Raffle? Just go to the Sun Savers app or website and opt into each month’s Sun Savers Raffle by clicking “Yes!” when prompted.
Then, start collecting the daily Sun Savers codes printed inside the paper.
Each time you enter a code you will earn yourself a monthly Raffle ticket for our £15k prize.
Plus, if you collect TEN Raffle tickets in a calendar month, you get a GOLDEN TICKET into our £80k Raffle which takes place every three months. Remember, you have to be in it to win it!
You too could be making your dreams come true, just like Sarah, by winning our next Sun Savers competition.
Starting next Saturday, you could win your wedding with Sun Savers. Pick up the paper next Saturday to find out how you could bag £27,000 to pay for your big day.
– Terms and conditions apply. See sunsavers.co.uk/faqs for the full terms and conditions.
MARRIED couple Alan and Julie set up their business, Grenade, in 2006 when they
spotted a gap in the market for nutritional products that tasted good.
They launched their first product in 2009 – a weight loss powder – and now, less
than a decade later, the company has over 50 employees globally and was valued at
£72million last year.
Alan and July turned a love of nutrition into a £72m business when they launched Grenade
Just last month, the duo secured a deal with retail giant M&S to sell their ‘Carb Killa’ protein bar range in 984 stores across the country.
Alan came up for the idea for Grenade after several years working in the sports
nutrition industry.
He said he was frustrated by how poor quality the products were.
He told The Sun: “I’ve been in sports nutrition all my life, ever since work experience
at a gym when I was 14 years old.
“I worked in a supplement distribution business from 1999 importing American-made
products into the UK.
Today, the business employs over 50 peopleSWNS:South West News Service
“But the products were getting worse. The ones which tasted ok were full of sugar
and the ones that were good for you tasted like cardboard.”
He decided he could make a better product that was actually appealing to
consumers.
After his lightbulb moment, Alan and his wife Julie, who worked in the education
sector before leaving to start Grenade, developed their first product – a weight loss
formula called Thermo Detonator, which is swallowed as a capsule with water.
The product took four long years to get right and – crucially – to trademark, but when
it did they were ready to launch the company.
Grenade have just done a deal to sell its ‘Carb Killa’ range in 984 M&S storesSWNS:South West News Service
Today, it is still one of their biggest sellers.
It hasn’t always been an easy road. Alan and Julie recall a time when they’d poured
their last penny into Grenade.
They even drove a tank into a trade show in the early days because they couldn’t
afford a booth, which is where exhibitors typically display their wares.
But they both always believed it had the potential to be the success it is today.
In more recent years, Grenade has been focusing on cracking the consumer market;
moving away from its health and sports heritage.
It’s a strategy that’s working. Grenade boasts a host of celeb fans – some of whom
become ambassadors for the brand in return for products.
The couple is planning to crack the consumer space nextSWNS:South West News Service
These fans include singer and fitness expert Michelle Heaton, personal trainer and
former star of reality TV show The Only Way is Essex Mike Hassini, British gymnast
and Commonwealth Games medallist Courtney Tulloch, and Hollyoaks actress Jazz
Franks.
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So what’s next for the company? The plan is to keep pushing into the consumer
space competing with big brands.
The idea is to make nutritional and healthier products far more mainstream.
Alan concluded: “We’ve been quite disruptive to the confectionary industry.
“Protein bars used to taste disgusting, but we spent several years creating products
that didn’t taste like protein bars.
“We’ve become a big player in the confectionery space, not just the sports space.
“We’re leading the pack in a space no one knew existed. Now we even have spreads
that compete with Nestle.”
Learning from success
JULIE and Alan's top tips for starting a business
Julie:
You have to work hard. Lots of people love the idea [of starting a business] without thinking about the work.
But when you start out you get no holidays, no salary. Everything we had went into Grenade
People need to actually need the product. Lots of people solve a problem that doesn’t exist.
Alan:
Hard work is a given… but no one mentions that you have to consistently work hard every day for 10 years – that sorts the men from the boys.
Building a business takes time. We've done it in eight years and that was as fast as we could, but we’ve made a lot of sacrifices.
Never start a business to make money. Most people see the trappings of success, but you need to do what you love and be fearless.
Within a year we were trading in the US, which was pretty ballsy. Too many people just talk about doing things.
We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.ukor call 0207 78 24516.Don’t forget to join the Sun Money’s Facebook group for the latest bargains and money-saving advice.
THOUSANDS of people across the UK were hit with double charges on their debit cards after a terminal error took their money twice.
While money came out of bank accounts twice, the error meant only one transaction showed up on receipts. Here’s more on what’s happened.
If you used your debit card on August 29, you should check if you have been charged twiceGetty – Contributor
What is the debit card glitch and when did it happen?
On August 29, 2018, thousands of Brits were hit with double charges to their debit cards following an error with Cardnet terminals, which are used in many outlets.
Cardnet is a joint venture between Lloyds Bank and First Data.
The company, which processes card payments in shops and restaurants, has admitted that some card terminals took duplicate payments due to a computer glitch.
The majority of affected transactions involved Visa debit cards.
Have I been charged twice?
Lloyds Banking Group claims less than five per cent of Cardnet machines were affected by the error.
The bank has confirmed that all those affected will be refunded within ten days.
Businesses affected have responded claiming the problem lay with the card processing data firm and was not the fault of individual banks or businesses.
To check if you have been affected, it is best to look at your bank statements for any errors.
Refunds will be issued automatically but customers are also advised to double check their own records and to contact their bank if there are any errors.
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What has Lloyds Banking Group said?
A Lloyds Banking Group spokesperson said: “A small number of transactions processed last Thursday by Cardnet were duplicated.
“Action has been taken to rectify this situation as quickly as possible and we apologise for any inconvenience caused.”
According to information on its website, Cardnet handles more than 1.2 billion transactions every year.
It claims their system makes it “easy for merchants to accept card transactions online, in person or by phone”.
