So @BTCare Roam from Home is activated on my two accounts, and website says it should just work. It doesn’t. How do I get you to activate my two SIMS? My @VodafoneUK account worked flawlessly as soon as the plan landed!
@BTCare Sure! Both numbers have ‘Roam from Home’ activated but will not connect to the local network in Corfu. I have read troubleshooting on BT forums and posts say it has to be activated at your end- even though all your instructions on your website say it should just connect..
@Steven_Derby@kayaburgess So enjoyed my time with you. What a wonderful inspiring, hopeful event. Exactly as the World should be. Well done to all involved.
If you’re asking for gift cards this Xmas, best avoid the total pain in the backside @Love2shop_UK Pretty much useless for online shopping and riddled with conflicting information. Awful.
We are a nation of drivers.
Most of us use a car every day and, for many, life would be difficult without their car.
But too often, drivers feel under attack.
That changes today with a long-term plan to improve drivers' experience on the road.
Here’s how 👇🧵
@VodafoneUK Hi. Can I chat to a techie about iOS 17 and your network not allowing access to FTP servers when using iPhone as a hotspot? It’s not an Apple issue- other networks are ok. Just yours. Thanks!
They can't say they weren't warned!
Last Autumn, I raised an alarm about a coming potential mortgage ticking time bomb with millions facing huge bill-shock as their fixes end.
So much so the Chancellor called a mortgage summit; sadly it was just a missed opportunity talking shop...
I want to briefly bash out some thoughts on this.
The summit in December was attended by the Chancellor, FCA chair, the bosses of UK's biggest banks and me (I'd asked for consumer charities & mortgage experts to attend too but that wasn't agreed - tho my team and I worked hard talking to charities and mortgage brokers before to collate ideas).
My reason for suggesting the Chancellor took action was simple. We needed to prepare in case it rates rocketed - waiting for it to happen would be too late. Yet now, the time bomb has exploded, and we're scrambling about what to do.
One of the big concerns I raised was that banks were increasing their margins - basically the gap between what lenders are charged and savers paid. That should (and still should) be tightened and political pressure needs applying to ensure either better mortgages or better savings or best, both.
Other practical suggestions were not about radical change, but easy to agree forbearance and help measures to get people over the hump while they readjusted their finances.
A range of methods such as payment holidays, payment reductions, lengthening the mortgage term were discussed, plus proactive communication with borrowers who look like they may be struggling and independent solid guidance about what people's options were if they were struggling.
There were lots of nods from the bankers and many 'we do that alreadies', and indeed some extra customer communications did come out on the back.
Yet real changes met push back - sometimes the banks both from banks and the FCA. For example
1. Any help options should be easily reversible on request. Eg if you extend your term, to reduce payments, when things improve you should have an automatic right to reduce the term.
Knowing there is a reversibility option gets rid of a barrier to action - without reversibility people are scared to be locked into a longer mortgage (which means more interest).
2. It should have no or minimal impact on people's credit scores (as it did in the pandemic). Again negative credit file impact is a big barrier to action
- as it leaves people reticent to make a decision, which can lead to snowballing problems.
None of the suggestions have seen any real fruition. The attention faded, especially when rates didn't rise as sharply as first expected.
Though we are now in exactly the situation that the whole meeting was meant to prepare for. Now I read about proposed 'forbearance' measures being looked at, it does feel as a shame the stable door is already closing...