Phil Lavin

@charliePry98 @StarbucksUK Might want to read that again

@PhilLavin @StarbucksUK 4.50 + 4.80 = 9.30

@StarbucksUK the maths isn’t mathing on your app today. I have Gold and it knows I have the discount but the total it charged me is without discount. How do I get a refund?

@ToolstationUK your app is really frustrating ☹️. Click a link on the web and the app will open and then just get stuck loading. I have to close the app and click the link on the web again to make it work. Is this a known issue?

@SMARTYMobileUK I did that. The agent was no help and then the chat cut off. Time to raise a complaint I guess

@PhilLavin Hi Phil, webchat is the way to speak with our customer care team directly. Please make sure that you have requested to speak to an agent and they will assist in getting your number recovered -Tascha

@SMARTYMobileUK can somebody please call me to discuss an issue? My account seems to have been closed and my phone number lost. Not getting anywhere with your web chat

@MickMacauley @LeanneSpurs @KevinASchofield Maybe it says the other 28m who didn’t vote for them originally have changed their minds and now think they’re doing a cracking job? 😂

@LeanneSpurs @KevinASchofield If they polled less than 10 million to get elected, this petition could get higher than that in a week. What does that say?

Sorry to disappoint all those signing the petition calling for another election. Labour source: “This government was elected just a few months ago with an overwhelming mandate to deliver change. The sooner those who lost accept that, the better.” huffingtonpost.co.uk/entry/no-keir-…

@IvanEft @guyday @MartinSLewis If the car is written off and you buy a new one, it’s common that they’ll hike the premium thousands of pounds or refuse to insure the new car.

@guyday @MartinSLewis How can they "refuse to insure you" when you are already insured for the whole year?

My point is it's a COSTLY loan. If you have to, most would be far better to put it on a 0% card and repay it over the 12 months - or even a standard high st card with APR 20%, undercuts many big insurers who charge up to 40% APR.

@imduffy15 @jamescallaghan @blakadder_ Nice, thanks. I’ll have a read!

@PhilLavin Yes! @jamescallaghan went all in on them. @blakadder_ has some nice write ups about them. blakadder.com/t6e-sideload/ blakadder.com/t6e-z2m/ blakadder.com/android-panel-…

@imduffy15 you seen these? Basically 1 gang Android tablets. vm.tiktok.com/ZGeBC8qQK/

@ennoneemus @anon_opin This has always troubled me. If you speed, you get a 50 quid fine. If you speed and hit somebody, you get banned from driving. If you speed, hit somebody and they die, you get up to 14 years. Intent vs outcome has never sat well with me

@anon_opin If people get sentenced on intent only though it works the other way too. For example, one-punch accidental deaths are currently convicted as manslaughter instead of something like assault. Should you get more time just because they died?

Murder and attempted murder should get the exact same time in prison. You shouldn't get less time inside just because you're shit at murdering.

@Kcfc21 @HSBC_UK Phew. I’m already questioning my choice of banks today. I’d be switching right now if I found out their customers bought sausage rolls from somewhere other than Greggs 😆

@PhilLavin @HSBC_UK Yeno it sir

@Kcfc21 @HSBC_UK Greggs?

@HSBC_UK Hurry up mans tryna buy a sausage roll here

@imduffy15 @RevolutApp Are they regulated? Complain to the ombudsman

. @RevolutApp support is terrible! They closed my trading account out of the blue. I have been asking for a profit and loss statement since September 5th. They said they’d have it in 14 days time on oct 8th… 14 days later nothing. @RevolutApp we have to file our taxes 🤪

Sipexer v1.1.0 is out - a modern SIP CLI tool written in @golang to facilitate testing and monitoring of SIP signalling servers, with support for UDP, TCP, TLS and WebSocket: github.com/miconda/sipexe…

Credit to @eBay_UK today. I sold a faulty item (described as faulty!) and buyer couldn’t fix it so did a return “not as described”. This means I pay for return postage. I called eBay, who paid for the full refund themselves without requiring a return. Faith restored ☺️

@GMacdonaldSNP Even if true, this is a bit of a silly statement. £7.36 per MWh is 0.736p per KWh (unit). 0.7p is the least of our worries, these days when a unit was 31p

Electricity costs are sky-high partially due to transmission charges to access the national grid: =Northern Scotland are charged £7.36 per MWh =Rest of Scotland are charged £4.70 per MWh =England and Wales pay just 49p per MWh to access the same national grid! #brokebritain

@piers48 @ifnotnowdigital @MartinSLewis Or maybe you were covering the interest payments fine without raising rent for 3 years, and then somebody decided you should pay 60% income tax on the rent earnings before you pay the interest, and it became unprofitable so you sold to another landlord who increased rent. Maybe

@PhilLavin @ifnotnowdigital @MartinSLewis No see you are covering debt repayments though, just not paying down the principal. If you are covering the interest repayments alone then you are making profit. And if you aren’t covering the interest payments then you chose a shitty rental property and that’s on you.

Some still writing things like 'people still splurging amid mortgage crisis' as an argument that things aren't so bad. Yet of course that's happening - we have a split society. From a consumer perspective the mortgage crisis disproportionately falls on relatively few shoulders. Roughly 1/3 of the population has mortgage, a third rent, and a third owns their house outright. Of the third with a mortgage, many are still on long-term fixes. This means the bank of England's deliberate policy to increase the cost of borrowing in order to squeeze disposable incomes, and take money out of the economy, is only really very directly hitting likely under 20% of the population. So their incomes need to be really squeezed in order for it to work. Of course there's also a squeeze on renters where costs are rocketing, some of it an indirect and painful knock on from the mortgage rate hikes, but also from the other big inflations in energy and food prices. That's one part of our polarized society. The other includes those who own outright, some of whom will have gained from the £150 billion pounds of extra savings that built up during the pandemic. And while there's some hit there due to energy and other inflation, it will be offset by benefitting from interest rates going up, as savers get more income. So the idea that the mortgage squeeze means pan society everybody stops spending is nonsense. What we're actually doing is trying to fix the whole economy by making a disproportionate squeeze on a relatively limited number of people. Of course interest rate rises impact business too. Yet that's not my bag.

@piers48 @ifnotnowdigital @MartinSLewis Not covering debt repayments represents a loss for every other business. If a company buys (or rents) an office and doesn’t make enough money to pay the bills then it’s not a profitable business. Again, Landlords aren’t charities

@PhilLavin @ifnotnowdigital @MartinSLewis So you were paying more in interest and maintenance alone for your property than you were taking from tenants? Because otherwise you weren’t making a loss. Not covering mortgage repayments does not constitute a loss.

@ifnotnowdigital @MartinSLewis Landlords aren’t charities. Most don’t make profits. I sold my one rental property 18 months back because it was making a loss, after tax rates increased for landlords. Squeezing small private landlords means houses are sold to big corporates. We don’t ask Tesco to make a loss

@MartinSLewis The fact that in the UK we have almost unchecked landlordism is central to the pain being felt by the working and (increasingly) middle class. No rent controls and the belief that every expense felt by a landlord should be passed on is unjustifiable.

@KARLD_LFC68 @MartinSLewis @itvMLshow By current standards, that’s not too bad. I’m looking at 4.76% on a 2 year fixed with a 25% LTV. That said, 5 year fixed at that rate is a big gamble as we can only hope these ridiculous rates will drop over the next 2 years

@MartinSLewis @itvMLshow Hi Martin, my son has been offered a 5 year fixed at 4.25% I'm convinced it's not a good deal, could you give any help?

Wow. Huge ratings for @itvMLShow last night. 2.5m viewers (enormous for warm bright summer night) and a whopping 21% share of available audience, easily winning the slot (most watched show on at that time). Huge thanks to the team, everyone who spread word, and all who watched.