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Financial

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"All your Budget questions answered" webchat with Christine Ross of Société Générale Private Banking Hambros - 24th March 2010 at 12:30pm

"The cost of a child" webchat with Liverpool Victoria - 23rd February 2010 at 2pm

PREVIOUS WEBCHAT: Are you staying safe online? Webchat with Paypal on 20th October at 1pm.

With many still scared about online fraud from phishing emails and the threat of other online scams, this webchat will discuss the simple ways in which your users can protect themselves against losing money, whether they are shopping online or just browsing the internet. The threat of online fraud is something we all face on a daily basis and Gareth Griffiths, Head of Risk Management at Paypal UK will be on hand to answer questions about anything related to online financial security. I have included the code for the chat below.

Reclaim your bank charges
According to the Independent, beleaguered bank bosses are refusing to accept they have been illegally charging customers for breaching their overdraft limits, as they face an overwhelming response to The Independent's report on the issue yesterday.

Consumer groups that have been campaigning to persuade customers to reclaim thousands of pounds worth of bank charges stretching back six years reported a huge increase in the numbers of people planning to complain. Martin Lewis, the founder of Moneysavingexpert.com, the internet site that has been leading the campaign since November, said more than one million people will have downloaded complaints forms and template letters by the end of the week...

For full article see, Independent
For template letters to send to your bank, see moneysavingexpert who say:

Bank charges: Reclaim them, they're unlawful, so you can get six years money back
Your bank owes your money. This free guide includes template letters and calculators so you can join the thousands who've reclaimed £1000s. All penalty charges for exceeding your overdrafts, bounced direct debits and cheques are commonly believed to be unlawful.

Gingerbread
Gingerbread is an organisation, run by lone parents, whose aim is to offer lone parents practical and emotional support and, also, to speak out for them in the media and politics. National Membership is free.

Their Advice Line offers confidential advice on anything from childcare to domestic violence, including benefits, education and housing. Or maybe you just want someone to talk to. Here you will find a sympathetic, listening ear. Their rule is "as long as it takes." Please mention Divorce Aid.

Phone: 0800 018 4318
9am to 5pm Mondays to Fridays.
If you prefer to receive advice by e-mail, contact them at advice@gingerbread.org.uk
They stress that this is not an emergency e-mail service as replies can take up to 5 working days.
www.gingerbread.org.uk

One parent families
Their freephone helplines also provide a vital service: Lone Parent Helpline: 0800 018 5026 Mon-Fri 9am to 5pm This is a one-stop shop offering information for lone parents and details where other advice and help is available throughout the UK.

Lone parents can obtain free publications on a range of issues including benefits and tax, getting into work, child maintenance, contact issues and holidays.

Maintenance and money line: 0800 018 5026 This line provides lone parents with specialist advice and help on money matters, including the CSA at the following times: Mondays 11am-2pm, Tuesdays 3pm to 6pm and Thursdays 11am-2pm

On joining, a very informative pack is sent to you together with a list of other publications.
www.oneparentfamilies.org.uk

CAB Adviceguide
For on-line advice and information, access the CAB Adviceguide website. For free and confidential advice, search the CAB directory for your nearest bureau. It includes details on languages offered, advice by e-mail, text phone facilities and specialist services. CAB websites also give information about local services.

If you are in contact with this agency, please say you found them via Divorce Aid. Thanks.

Citizens Advice Bureaux give free, confidential, impartial and independent advice on a limitless range of subjects, including debt, benefits, housing, legal matters, employment, immigration and consumer issues. They are particularly very good in providing examples of various official forms and can provide assistance with filling them in. CABx are open to everyone regardless of race, gender, sexuality or disability. If you are seeking advice, you can find on-line information at the CAB Adviceguide.

To contact your nearest CAB write, drop-in or telephone during opening hours. Some bureaux can offer advice by email if you are in their locality. CAB websites also give information about local services. CABx are only able to advise people who live in their local vicinity. Please try to contact the bureau which is nearest to you.

Gratitude
'Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow.'
Melody Beattie


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