Not having the right kind when picking up a vehicle can leave travellers scrambling to find alternative transport

If your children are on half-term holiday soon and you are planning to collect a hire car, make sure you have the right kind of credit card. These cautionary tales show the costly consequences if yours does not pass muster.

I hired a car for a family holiday from Enterprise Rent-A-Car in France. The collection desk at Carcassonne airport refused to hand over the keys when I presented the Visa credit card used for the booking because it was issued by First Direct. It told me it did not accept cards from online banks.

Warm homes plan would create 50,000 jobs, compared with about 1,100 for Rosebank oilfield, thinktank finds

Insulating Britain’s homes and investing in heat pumps would do more to cut the cost of living, create jobs and boost the UK’s economy than drilling for new oil, research suggests.

The government’s £15bn warm homes plan, currently under threat of cuts as ministers seek budget savings, would slash £1bn a year from household energy bills across the UK, concentrated on those on low incomes, according to research by the thinktank E3G. It would also provide a £1.6bn yearly boost to the economy, and about 50,000 new jobs spread across thousands of small businesses.

Citizens Advice warns of its No 1 scam as growing number of people are targeted by criminals posing as roofers

The builder who calls at your door says they are doing some work in the area and has spotted a loose tile on your roof. They offer to fix it for a good price that you agree to.

But when they go up on their ladder to inspect the problem, they see another problem. Rain has been splashing out of the gutters and the wood around them is getting damaged. The only solution, the builder says, is to have rigid PVC trays installed to divert the water.

From a brick stable block renovated into an eco home to a Georgian townhouse painted in atmospheric shades of grey

Grid operator paying large sums to switch off windfarms in areas of excess electricity generation while turning on gas plants elsewhere

The cost of balancing Great Britain’s power grid has soared to near-record highs of almost £50m a day after windfarms were turned off because of bottlenecks in transmitting power around the country.

The grid operator paid £47.9m on Wednesday to turn windfarms off in areas with an oversupply of electricity and turn gas plants on in areas where supplies were tight.

There are many reasons to reject this affordability ‘solution’, not least it being complex and fiddly. Just keep things simple

‘My mark of failure or success is whether I can get bills down or not. That’s the only thing I’m in this job to do.” So said Miatta Fahnbulleh, the energy secretary, recently, bracing for the hike in energy bills that looks inevitable in January. Industry projections suggest £400-ish on an annual basis is on the way, with “stubbornly high” levels for the rest of decade even if wholesale gas prices cool down.

So, yes, one can understand why “affordability” is Fahnbulleh’s “top priority”. And, as this newspaper reported last week, there is likely to be an intervention in that direction in chancellor John Healey’s budget this month: £1bn of extra support for poorer households this winter.

Yorkshire and Thames among providers facing penalties for missing performance targets, but bills could rise elsewhere

• Business live – latest updates

Thames Water, Yorkshire Water and other providers could be forced to cut tens of millions of pounds from household bills after the regulator said they had missed performance targets.

Customer bills at Yorkshire Water could fall by £27 on average, while those at Thames could decrease by £7, according to estimates by Ofwat, the regulator of the privatised industry in England and Wales.

From finding draughts to buying a thermal leak detector – there are simple, cost-effective ways to start sorting heat loss

• How to storm-proof your home, from roof tiles to garden fences

Pick a day when there is a good breeze, and heat the house to its usual temperature. Then wander around with a candle or smoke pen (about £20). Alternatively, buy a thermal leak detector. This flashes blue for cold, green for normal and red for warm.

It is billing £32.99 a month but I have had no functioning phone line since it switched me to Digital Voice

I’ve had no landline since May 2025 when BT switched it to Digital Voice. Weeks passed, and each call to BT involved at least an hour waiting on hold and answering security questions before being passed between departments.

Eventually, last December, two engineers were sent and discovered that a wire had been severed during the upgrade. They said they needed a cherry picker to reconnect it to its original location and would return. They did not.

Council car parks have switched away from ticket machines to cut costs, leading to extra fees for users

Drivers are unwittingly paying up to 40% more to park as more councils switch to app-only payments and force customers to pick up the tab.

Many councils across England have removed pay and display machines and replaced them with app payments, including a number in London. Most local authorities encourage drivers to pay by app to beat queues, while apps are often the only way to pay when ticket machines are out of order. However, many car park signs fail to mention that app payments may incur an additional service fee.

New post-Brexit rules mean that dual nationals cannot enter the UK unless they have a British passport

My teenage daughter is unable to see her grandparents because of the UK’s new requirement for dual nationals to hold a UK passport.

I’m a UK citizen, married to a French national, and we live in France. Our two older children have both French and UK passports. Our third child was born while we were living in Zimbabwe and only has a French passport.

Tories plan to scrap low-carbon housebuilding, Greens back new nuclear reactors, and Labour put oil-drilling decisions on hold

New homes could be built without solar panels, heat pumps and high-grade insulation, leading to higher household bills if the Conservative party wins the next general election.

Kemi Badenoch made scrapping the future homes standard (FHS) one of the central planks of her bid to become the next prime minister at the Tory party conference this week.

Appointment or renewal reminder appears in victims’ calendar to lure them into logging in to fake Google, Microsoft or PayPal page

You’re preparing for the week ahead and take a look at your Google calendar. There’s an entry for a meeting that you must have completely forgotten. The note that pops up when you click on it says you’ll be reviewing a project and includes a link to more details. Confused, you follow it to find out more; the website you land on asks for logon details, and you provide them.

Unfortunately, this was not a failure of your memory but a calendar phishing scam. You have handed your name and password to fraudsters who will sell it on in a batch with other people’s details, use it to break into your work email, or to persuade you that they are contacting you from your bank, or another institution.

With an extremely wet and windy winter forecast, take steps to keep you and your home safe and dry

With the Met Office warning that this year’s supersized El Niño could mean a wet and stormy winter lies ahead, it’s never been more important to maintain your home.

Payouts for storm damage to UK homes surged 32% to £244m in 2025 amid the destruction caused by the heavy rain and strong winds that accompanied the likes of Storm Éowyn and Storm Floris.

Finance expert launches Small Ideas Initiative to gather ‘practical, low-cost’ ideas to put before cross-party panel

Every day, people run into what the finance expert Martin Lewis calls “the life-potholes of unintended consequences” – clunky systems and poorly conceived rules that make life harder than it should be. His latest project, the Small Ideas Initiative, will attempt to address that, with a cross-party panel of politicians and policymakers crowdsourcing ideas for everyday fixes to take to government.

The ideas could cover anything from health and schools to policing, tech and money. Lewis is encouraging people to submit ideas for “practical, low-cost, non-controversial ways to improve the UK” before 12 November.

Thinking Allowed, The Artificial Human and Free Thinking among other programmes hit by £500m cuts

BBC Radio 4’s consumer rights show You and Yours is to be axed after more than 50 years, becoming one of the latest victims of the corporation’s £500m cuts plan.

The programme, once described by the former Radio 4 controller Mark Damazer as “one of the most important” on the station, is one of a handful to be cut as the BBC searches for shows that can be more easily adapted as podcasts.

Exclusive: Officials working on further radical changes that would change how much energy companies could charge customers

John Healey is planning a major intervention to cut energy bills for poorer households in this month’s budget, after ministers became alarmed at forecasts that show bills rising by hundreds of pounds in January.

The chancellor is working on plans to spend more than £1bn to help energy consumers, the bulk of which is likely to go towards increasing the discount given to households on certain benefits.

Industry leaders say bogus claims rose 14% last year, pushing up premiums for all customers

An insurance fraudster who pocketed more than £14,000 for the supposed theft of Lego sets, fishing gear and gaming consoles was behind one of last year’s most high-profile bogus claims.

Investigators uncovered £1.34bn of fraud in 2025, a 14% increase on the year before, according to the Association of British Insurers (ABI).

Sykes Holiday Cottages showed no empathy and insisted on paperwork we didn’t have so soon after my husband’s death

We booked a break with Sykes Holiday Cottages for 11 of us to celebrate my mum’s 80th birthday last February. The cost was £2,400, paid for by my 87-year-old dad, but it was my husband who made the booking.

In January, my husband was diagnosed with aggressive lymphoma, and he died 10 days before the trip. My parents and some other members of the party still planned to take the holiday, and my dad informed Sykes of the death, since my husband was their point of contact.

Scammers reuse personal details harvested from fake Esta websites – and texts and calls can keep arriving for months

When the British actor Lisa Riley was preparing to travel to the US last year, she applied online for an Esta so she would not need a visa. After finding the site through a Google search she filled in her passport, bank and personal details and waited for the confirmation, which normally takes just under an hour.

When it failed to arrive, she emailed an address from the site where she had paid and got back a message unlike any she had seen before, with a link to a website that displayed a jumble of words and letters.

The Naylors’ four-bedroom home in Milton Keynes acts like a mini-power station after retrofitting solar panels, a battery and a heat pump

Clare Naylor paid close attention to how much energy she and her family were using last winter, filling hot-water bottles and bringing out extra blankets to ensure they didn’t go over budget. This year, she won’t have to worry as she is guaranteed not to receive a bill.

While millions of British households face the highest energy charges in three years from this week after a 4% rise in the price cap, and predictions of a 16% increase in January, upgrades to Naylor’s home mean she will not have to pay a thing.