Tag: advice

Cost of living crisis: Help is available for those who need it, says FCA

The Financial Conduct Authority (FCA) has reminded borrowers they can get help from their lenders if they are struggling to keep up with payments, as it found the number of people struggling to meet bills and credit repayments has risen by 3.1m since May 2022 (10.9m, compared to 7.8m in May 2022).  

The number of adults who missed bills or loan payments in at least three of the last six months has also gone up by 1.4 million, from 4.2 million to 5.6 million over the same period.  

The FCA has repeatedly reminded firms of the importance of supporting their customers and working with them to solve problems with payment, including by writing to industry bosses to make sure they are aware of the regulator’s expectations.   

Where firms haven’t supported their customers properly, the FCA has told them to make changes. It reminded 3,500 lenders of how they should be supporting borrowers in financial difficulty and told 32 lenders to make changes to the way they treat customers. This work has led to £29 million in compensation being secured for over 80,000 customers.    

As part of its Financial Lives survey, the FCA found that the cost of living is having an impact on people’s mental wellbeing. Around half of UK adults, or 28.4 million people, in January 2023 felt more anxious or stressed due to the rising cost of living than six months earlier.    

Sheldon Mills, Executive Director of Consumers and Competition said:  ‘Our research highlights the real impact the rising cost of living is having on people’s ability to keep up with their bills, although we are pleased to see that people have been accessing help and advice.  

‘If you’re concerned about your finances, you do not need to worry alone. We’ve told lenders that they should provide support tailored to your needs. And, if you find yourself in debt or want to know more about how to manage your finances, free expert advice is available.  

‘We will continue to act quickly to make sure financial firms help their customers who are facing financial difficulty or are worried they might be soon.’    

The support needed to deal with the rising cost of living goes beyond what is provided by the financial services sector. As a result, the FCA continues to work with other regulators and debt organisations to drive better coordination and help make sure customers are treated fairly and supported if they get into financial difficulty.  

The FCA will also be introducing the Consumer Duty in the summer. The Duty will be the driving force behind its consumer protection work, as it will require firms to act to deliver good outcomes for consumers and make sure that they are properly supported while using a financial product or service. 

Research: Financial Lives January 2023: Consumer experience of the rising cost of living – the burden of bills and ways to get support

ARE YOU STRUGGLING TO COPE WITH DEBT?

Local advice is available at Granton Information Centre. Telephone 0131 551 2459, 0131 552 0458 or email appointments@gic.org.uk

We’re help to help!

Pothole plague: What to do

It’s been revealed this week that it is taking up to EIGHTEEN MONTHS for some potholes to be repaired

Louise Thomas, car insurance expert at Confused.com, comments: “It’s common to see potholes this time of year, as cold weather and rainfall cause damage to roads. Potholes can be dangerous for road users, which is why it’s so important to report them if spotted.

“Our latest research reveals that almost 1 in 4 (23%) drivers have had their cars damaged because of a pothole. And the damage has costed £174, on average, for drivers to fix or repair.

“With rising motoring costs a continuous challenge in the current climate, potholes can be a costly annoyance. But drivers can make a claim, which could help to reduce how much they’re paying out themselves.

“To make a claim, drivers should:

1.          Check for damage and gather evidence with clear photos or videos

2.          Report the pothole to the local council

3.          Ask a mechanic to confirm the damage and get a quote for the repair

4.          Submit the claim to your insurer

“Our tips on how to make a pothole claim can help drivers through the claims process, so that they could potentially receive compensation for the damage caused.”

IBS vs Bowel Cancer: three red flags that need to be seen by a doctor

With April being IBS awareness month, Google searches for ‘What is irritable bowel syndrome?’ have increased by over 300% in the past 30 days, and ‘What does IBS feel like?’ has also seen an increase of 250%.

Below you will find some answers from Dr Vivek Goel, a gastroenterologist at Spire Cardiff Hospital . 

I’m a doctor and here are the symptoms, triggers, and cures for your IBS 

The exact cause of IBS is unknown, but some causes include family history and infection 

The exact cause of IBS isn’t known, although potential risk factors have been identified such as stress and family history. Differences in the bacteria that live in the gut of those who have IBS could also have other conditions. IBS can also occur after an abdominal infection (gastroenteritis), which subsequently changes the gut microbiome.

IBS is also caused by contractions that are too weak, which can slow down the movement of food through the gut leading to constipation. At the same time, contractions that are too strong or too long can lead to diarrhoea, bloating and flatulence.

Symptoms include problematic urination, backaches and nauseousness, as well as the usual stomach pain

IBS symptoms are often triggered or worsened by eating or drinking. Common symptoms include stomach pain and cramps, abdominal bloating, diarrhoea and constipation. You may also experience backache, feel tired and nauseous, pass more wind (flatulence), pass whitish mucus on your stools, and have problems controlling your urge to urinate and open your bowels.

Food triggers are different for everyone, but some of the main culprits are cabbage, broccoli and apples

Food and drink triggers for those with IBS vary from one individual to the next, which is why it is helpful to keep a food diary where you can track what you’ve eaten and drank alongside your symptoms.

Drinks that can trigger IBS include caffeinated drinks (e.g. tea, coffee, and certain energy drinks), and fizzy drinks. Foods that may trigger IBS include cabbage, cruciferous vegetables (e.g. broccoli, Brussel sprouts), high-fructose fruits (apples, mangoes, pears), fatty/fried foods (chips, crisps, cheese), highly processed foods and pulses.

Chewing gum might also be a trigger of your IBS 

The primary triggers for IBS outside of food and drink are anxiety, stress and certain medications e.g. antibiotics, certain antidepressants and medication containing sorbitol (e.g. cough syrup). Eating too quickly and chewing gum can also trigger IBS symptoms.

Non-caffeinated drinks and probiotics can help ease symptoms of IBS 

Drinking non-caffeinated tea (e.g. peppermint, chamomile or fennel tea) may help to reduce stomach cramps.

Taking probiotics can also be helpful. Probiotics contain live bacteria that support your gut microbiome and can be taken as tablets or found in certain foods (e.g. yoghurts with live bacteria, kefir, kimchi, miso, sauerkraut, tempeh) and drinks (e.g. kombucha).

In general, cooking food at home using fresh ingredients can help you better manage IBS as you can control exactly what goes into your food to avoid triggers.

There is no cure for IBS. However, it can get better on its own and its symptoms can be managed through dietary changes, regular exercise and stress relief.

IBS vs bowel cancer: bloody stools, thin stools and unexplained weight loss should cause concern 

Both cause stomach pain, cramps, bloating and changes in your bowel habits. IBS can also cause whitish mucus on your stools but this doesn’t usually occur in bowel cancer. Unlike IBS, bowel cancer can cause bloody stools, thin stools, unexplained weight loss and general weakness. If you’re experiencing persistent bowel symptoms, seeing your GP to rule out more serious conditions, such as bowel cancer is important.

IBS vs diverticulitis – IBS can cause pain anywhere, whereas diverticulitis causes pain on the lower left side

Both IBS and diverticulitis cause stomach pain. However, in diverticulitis, this is usually focused on the lower left side of the abdomen and is constant. In IBS, pain can occur anywhere across your abdomen and usually eases after opening your bowels.

Diverticulitis changes occur in the lining of the gut, with the formation of small pockets that become inflamed and/or infected. In IBS, no changes occur to the gut lining.

NHS 24: Swing into Spring!

HEALTHY KNOW HOW spring health campaign

Swing into spring! 🌼 We are pleased to launch our spring health campaign ‘Healthy Know How.’

Featuring the character Billy, his son, cat and neighbour Mollie, Healthy Know How provides advice to ensure you are prepared for any illnesses or mishaps over the Easter holidays.

Tips include:

🔹Check your repeat prescription, order only what you need, in plenty of time

🔹Keep some medicines to treat common illnesses at home

🔹If you become unwell, NHS inform has useful symptom checkers to help you decide what to do next

🔹Be aware that your GP practice and local pharmacy may have amended opening hours over the Easter weekend

Find out more about the spring campaign:

🔗www.nhsinform.scot/spring

World Sleep Day 2023: Driving Advice from RoSPA

  • World Sleep Day 2023 – 17th March
  • The gig economy: take tiredness seriously to save your life, RoSPA warns

As the UK gig economy shows no signs of slowing, The Royal Society for the Prevention of Accidents (RoSPA) has issued a warning to Scottish businesses and workers about driving when tired.

In the gig economy, instead of a regular wage, workers get paid for the ‘gigs’ they do, such as food delivery or a car journey. In the UK, it’s estimated that over five million people are employed in this type of capacity.

Drivers and couriers who get their work from apps face a ‘heightened risk’ of collisions, with almost half (42 per cent) of drivers reporting vehicle damage because of a collision, according to research from University College London.

Tiredness from overwork was flagged as a key risk for those delivering food and parcels, while 63 per cent reported to have not been given the appropriate safety training on managing risks on the road.

One in 10 reported someone had been injured in a crash while they had been working, with scores more reporting time pressure as a key factor in their driving.[1] 

Karen McDonnell, Head of RoSPA Scotland, said: “With the cost of living crisis continuing to bite, it’s easy to see how those in the gig economy could be overworked and tired. We know that being tired is a huge risk factor when driving, and so it’s easy to see how the roads could get more dangerous.

“While it can be easy to say someone should cut down their hours, it’s not always as simple as that. Responsibility lies largely with the companies employing gig workers, who often have unrealistic targets and are expected to go above and beyond to deliver.”

What to do if you feel tired when driving or riding

  • When you first start to feel tired, stop and take a break
  • Stop in a safe place – make sure you’re not on a motorway hard shoulder
  • If you can, drink some coffee or another caffeinated drink
  • Take a short nap, ensuring your car is in a secure location.

What to do if you’re driving for a long distance

Even experienced HGV drivers are stopped from driving more than nine hours a day. Many drivers are not used to driving anywhere near this long, so always bear in mind:

  • Don’t drive for more than eight hours in a day
  • Take regular breaks, aiming to stop every two hours or so
  • On very long journeys, try and plan overnight breaks if you can
  • Don’t begin a long journey if you are feeling tired.

Free sleep courses for Scotland businesses

Lack of sleep doesn’t just affect driving, but overall productivity, too. And with tiredness to blame for 200,000 working days a year in Scotland, The Scottish Occupational Road Safety Alliance (ScORSA) is on a mission to change the way we think about and manage being tired. 

That’s why it is holding a limited series of free virtual courses for Scottish businesses relating to tiredness in the workplace and productivity on the 19 April and the 24 May. To book, businesses should visit ScORSA’s website and join for free here.

RoSPA delivers the ScORSA project  funded by Transport Scotland , as part of Scotland’s Road Safety Framework to 2030.

GIC advice and information session at Royston Wardieburn tomorrow

GRANTON Information Centre welfare rights advisers Elvira and Pui-Kei will be delivering an advice and information session tomorrow at Royston Wardieburn Community Centre.

Come along if you have any questions about debt/benefits or housing!

Scottish Gas announces Post Office Pop-Up events to provide free, in-person advice on energy bills

·       Scottish Gas and Post Office bring the Scottish Gas Post Office Pop-Ups to communities with highest need, with events across Glasgow, Stornoway, Kirkwall and Aberdeen 

·       Since May last year, the partnership initiative has seen over 122 Pop-Ups in 62 locations take place across Great Britain to support people in need 

Scottish Gas and Post Office bring the successful Scottish Gas Post Office Pop-Ups to Glasgow and Aberdeen, as well as two of the furthest corners of the nation – Stornoway and Kirkwall.

The Scottish Pop-Ups follow the 122 events that have taken place across Great Britain since the initiative launched as a pilot programme in May 2022, supporting people with practical and financial advice from expert money and energy advisors and providing grant eligibility assistance to those who need it most. 

The Scottish Gas Post Office Pop-Ups aim to reassure bill payers with experts answering their questions and concerns in an environment that’s familiar, safe and local to them.

More importantly, at every event, money and energy advisers from local British Gas Energy Trust funded charities will be offering an in-depth overview of the support available, signposting people to other organisations who may be able to help, checking benefits entitlements and providing free energy-saving tips and advice. 

The first of the series of eight Scottish Gas Post Office Pop-ups opens today in Glasgow, providing people with confidential advice from Scottish Gas Energy Trust-funded organisations. Those struggling with energy debt will be directed to the independent advice available through British Gas Energy Trust and the organisations they fund, including energy saving advice and access to grant. 

The Scottish Pop-Ups are even offering support to the most remote areas of Scotland, including the Highlands and Islands, as Scottish Gas understands these are the communities with the highest need.

The dates and locations include: 

·       Glasgow – 21st and 22nd March 

·       Aberdeen – 23rd and 24th March 

·       Stornoway – 27th and 28th March  

·       Orkney – 30th and 31st March 

Jessica Taplin, British Gas Energy Trust Chief Executive said: “Helping Scottish people continues to be a priority for us in 2023. With many people unable to access financial support and advice online, these Pop-Ups will be a lifeline to those really struggling this spring.

“As always, our mission is to help alleviate the detrimental impact of poverty. By working closely with Scottish organisations already embedded in the local communities, we can provide much needed financial and practical support to vulnerable members of the community, whether you’re a Scottish Gas customer or not.”  

To find out more about British Gas Energy Trust visit: https://www.britishgas.co.uk/energy/british-gas-energy-trust.html 

To find out more about your nearest Scottish Gas Post Office Pop-Up, visit: https://www.britishgas.co.uk/energy/post-office-pop-up-advice.html 

Police Scotland: Vehicle Security

Despite modern locking systems on vehicles some criminals do manage to overcome them by using devices bought legally and relatively cheaply on the internet. All of which work by affecting the radio frequency imitated by the key fob / device, enabling vehicles to be stolen despite owners having possession of the key(s).

Please see below advice on how to try to prevent these:

🔐Consider using steering locks as a visible deterrent to thieves – someone who is so obviously conscious of security is less likely to leave valuables in a vehicle.

👝 Keep your key device in a Faraday pouch, which has a lining that prevents the items inside from receiving or transmitting radio frequency signals.

💡 Avoid parking in dark, secluded areas, choose locations that are well lit and over looked by houses, passers-by and covered by CCTV if possible.

🔑 Do not store keys near windows or doors.

More vehicle security information can be found on our website – https://www.scotland.police.uk/…/protecting-your-car/

Online banking: 12 ways to stay safe

Dodge online banking fraudsters with these 12 cybersecurity tips

A recent Which? study tested the security of 13 of the UK’s most popular online banking sites between September and November 2022. The study found that Virgin Money, TSB and Nationwide were the worst at protecting their customers from online scammers.  

With so many well known banking sites falling short when it comes to blocking fraudsters, cybersecurity experts at VPNOverview have compiled a list of 12 safety tips to keep your money safe from malware and phishing scams. 

What are the possible dangers of online banking?

Financially motivated cybercrime, using malware and phishing, is growing at a rapid pace. In fact, by 2023, the number of internet users is set to increase by 275%, creating more targets for online banking fraudsters. Banks worldwide are doing all they can to protect their customers from banking fraud by raising awareness and utilising new technology to make online banking safer.

Malware

Cybercriminals can use malware like spyware to break into your phone or computer and potentially steal your banking details. Cybercriminals can use a keylogger to track your keystrokes and steal your banking login details as you are typing them. In the worst-case scenario, a hacker can infect your computer with a virus, allowing them to gain total control of your computer and possibly transfer your money straight into their account. 

Phishing

Phishing is where a cybercriminal attempts to obtain someone’s sensitive information by pretending to be a party this person trusts, such as a bank. This imposter would contact the victim via email or phone to trick them into surrendering login information. The scammer will often produce a plausible reason why they are asking for this sensitive information. It is essential to stay vigilant and remember: it is highly unlikely that your bank will ask you for login details, PIN codes or confidential information.  

12 online banking safety tips

1. Be wary of transfers: Only transfer money to parties you trust. Money transfers cannot usually be reversed without the explicit permission of the receiving party. 

2. Use a unique password and login details: Make sure your banking login details are different from your other online portals or services; it is much safer to have a different password for your bank if a hacker gains access to your device. The most secure password you can create will be at least ten characters long, containing a minimum of one uppercase letter, one lowercase letter, one number, and one symbol. It would be best if you considered changing your password to a new unique password every six months. 

3. Keep login details safe: Do not give your online banking login details to anyone. If you receive a phone call or an email asking for you to enter your banking login details, sensitive information or PIN codes, this could be a phishing scam. 

4. Use fingerprint and face ID: Make use of the newest technology when it comes to signing into your online banking apps. Using a fingerprint or Face ID login is much safer than the traditional username and password. Another security measure to consider is using two-factor authentication, essentially providing two methods of logging in to ensure that the right person is logging in.

5. Update apps: Ensure your device’s operating system is up-to-date. The same goes for your online banking app if you use one. The best practice is to configure your settings to update all updates automatically. 

6. Never click on suspicious hyperlinks: If you receive an email or a text from a number or address you don’t recognise that contains a hyperlink, don’t click on it. Do not download any files they may contain. 

7. Be wary of suspicious emails: Cybercriminals may send you a convincing-looking email with your bank’s logo and a professional-looking layout. If this email asks for sensitive information, including your password, login details or PIN code, delete this email. 

8. Check HTTPS connection: Always ensure the website you visit has a secure HTTPS connection before you log in to your online banking account. Many browsers, such as Google Chrome, Mozilla Firefox and Internet Explorer, show whether your connection to a certain website is secure. Some of these browsers may display a padlock symbol inside the address bar indicating the safety of a website’s connection. If not, you can check the URL: 

If the URL you visit contains “https://”, this is secure as the ‘s’ stands for secure. If you see “http://” the connection isn’t secure. You may have to click on the URL in the search bar to see the “https://” appear. If the connection isn’t secure, do not share any personal details with that page. 

9. Install antivirus software: Install antivirus software on your device to protect yourself from malware and viruses. The best antivirus programs will offer a built-in firewall, essentially a network security device that provides a barrier between a trusted network and an untrusted network. 

10. Be wary of phishing: If you suspect you have come across a potential phishing email or call that claims to have been sent by your bank, contact your bank immediately to notify them. If they do not know about this request, you were likely almost a victim of a phishing scam. 

11. Check your banking app frequently: Frequently check your online bank for peculiar activities and alert your bank of any transactions that you don’t recognise. 

12. Trust your gut: Ultimately, if something doesn’t feel quite right as you’re transferring a payment or entering sensitive details, trust your gut and don’t continue. 

A spokesperson from VPNOverview commented: “Although banks around the world are working hard to make online banking as safe as possible, it is still a good idea to take some safety measures yourself when managing your finances.

“By taking charge of your own online safety, you can prove to your bank that you are not negligent and are more likely to be reimbursed by your bank if something bad happens. By following these tips to protect yourself while online banking, managing, paying and receiving money will become a lot safer.”