Martin Lewis

Toivottavasti tällä hetkellä olemme ymmärtäneet ihmisten tunteita, jotta ymmärtäisimme, että on todellinen mahdollisuus, erityisesti kun olet vanhempi, erityisesti jos olet muuttanut asiaa monta kertaa, mikä on täysin yksi näkökulmasta. Jos ei ole uudistettu kontaktitietoja, jos olet muuttanut työtä, jos tuotantoprosessi tai tuotantoprosessi on muuttunut tai muuttunut,

You are potentially likely to get money. Just to say on a pension, the average value of a lost assets is nine and a half thousand pounds. So we need to try and get people their money back. Yeah. So we are talking big, you know, these are big numbers here, Matt, that we're knocking on. So what should people be doing then about finding these pensions and investments?

Katsotaan ensimmäisen työntekijän kohdalla. Katsotaan ensimmäisen työntekijän kohdalla. Katsotaan ensimmäisen työntekijän kohdalla. Katsotaan ensimmäisen työntekijän kohdalla.

If you don't have any luck, there's a free pension tracing service on gov.uk that includes over 200,000 schemes. What that will do is you'll use it to locate the scheme that you were in, whether it's changed name, who the employer was, you put your details in and it should try and locate that for you.

Then you're going to contact that scheme and ask, here's my details, here's when I was with you, as best as you possibly can, do you have a pension in my name? And they're going to try and reconnect you. You will almost certainly need to provide ID to show that you is you, because clearly you don't want other people taking your money when it comes out there. So that's the first place I would try. For bank accounts...

Something separate, My Lost Account, which is a joint venture from UK Finance, the Building Society Association, and NS&I, which is the state-backed financial institution that includes premium bonds, and there are lots of people out of touch with their premium bonds too. So you can go to My Lost Account's website, you can select from a range of financial institutions you think you might have had an account with, and they will send a letter with your information to see if it comes up with a match. If there's a match, they'll write to you,

with the next steps. If you don't know the bank or building society it might have been with, it will recommend doing a search of the largest five, which is HSBC, Barclays, Lloyds, NatWest and Santander. The only slight difficulty with my lost account is it has to be denoted a lost account, which is a sort of technical thing for the amount of time you have been out of contact with it. So if it's slightly shorter, but you're not in touch, it won't find you on my lost account. And now I'm going to do the catch-all service.

Tämä on argumentti, jota minun pitäisi olla tehnyt ensin, mutta minä olen mennyt ensin kahdeksan lisäyksistä, jos haluat. Sitten meillä on Fintech-yhtiö Gretl, joka oli asetettu vuonna 2022. Se, miten se saa rahaa, on se, että pankit, rakennusyhteisöjä, investointi-yhtiöitä ja muut ovat järjestäneitä yrittää ja löytää ja yhteyttää ihmisiä, jotka ovat menneet käyttöön.

Ja mitä he tekevät, on, että he pahoittavat Gretlä heidän tavoitteensa, koska he voivat tehdä sitä Gretlä tarpeeksi paremmin kuin he voivat tehdä sen heidän kanssaan, ja he suosittelevat sen ulos. Joten mitä voit tehdä on, että voit tehdä Gretl-kysymyksen, käyttää e-mailia ja passwordia, sinun täytyy laittaa nimi, vuosivuotanto, puhelinnumero, post-koodi, se antaa sinulle verifikaation e-mailin, kaikki yleistä asiaa. Kun se on aktivoitunut,

Gretl will run a soft search on your credit report. In fact, your credit score. It'll be a soft search, so you'll see it on your credit file, but it won't impact your ability. Lenders won't see it. To find any previous addresses, ask you to confirm these. Then it will run a search for missing bank accounts, investments, shares, pensions, life insurance and child trust funds, which I need to come on in a moment, with initial results in a few minutes, and you'll be able to see the search matches on your dashboard. It will then search every 14 days for new contacts. Now,

I need to explain it's not perfect, because it's only about the ones that it works with, but it does cover a particularly wide range, and it is a pretty good catch-all service that I've had quite a lot of success from. So if you just want the easy route, but it's a profit-making company that's paid through rather than the official sources, I would go through Gretl. Right. Final one. Sorry, I'm monologuing. No, no, no, this is good. I'm writing it down. You're going to go and do Gretl later, I can tell by the way you responded to that. Absolutely.

Eli lapseturvallisuudet. Lapseturvallisuudet ovat vanhempien rikollisen edustajat. Se oli rikollinen saavutettava, mutta valtio aloitti sen 250 quidilla. Jos olet ollut lapseturvallisuudessa, jos olet syntynyt 1.2.2002 ja 2.2.2011, ovatko sinun lapsesi tällä hetkellä?

No, they're too young. They're too young. So they wouldn't have had one, and the state no longer put money in. Now the key is, over 750,000 child trust funds have matured, i.e. the child is now 18, because you'll be 18 to 23 on those dates, and they are likely holding a collective 1.6 billion pounds in 750,000 accounts that have been lost track of. So there are 750,000 young people aged between 18 to 23

who are sitting on an average of £2,200 but don't know about it, because it would have been state money. Now, the average is £2,200. How much you have in depends on whether your parents added money to it, whether it was an investment, which would have tended to outperform savings. So some people might find £300, some people might have found £5,000. For this, go on to HMRC's tool. You need a government gateway ID just to find your child trust fund.

If you're 16 or older, you can do it yourself. If you're 18 or under, your parents can do it for you. So if you're under 16, your parents have to do it for you. You put your details in, you put your national insurance number in, and it will tell you who your child trust fund provider is. And then go and see how much money you've got. Unbelievable. Three quarters of a million 18 to 23 year olds. We started this by talking about generational issues, but three quarters of a million have potentially £2,200 they don't know about. I think that's...

You can access now. You can access now, and almost everybody who's lost track of it, your account will not be good, because you haven't been managing it, you've not chosen to put it in the right place, it's automatically matured and gone into a sort of default account on the back of it, and you need, even if you don't need access to the money now, you want to be making sure that it's in the right place. But it all stemmed back from, I mean, it was a Gordon Brown policy, this £250 sort of to kickstart every child on an equality basis, although of course parents could add to it, so there was still an inequality that was built into that.

It's just because people didn't really sort of take hold of it or note of it in some cases that it's just got lost track of. And so, as I say, let's just do the crucial dates. 1st of September 2002 to the 2nd of January 2011. If you know somebody of that age and you have the right appropriate relationship with them to say it, or if you're of that age, then you should be checking on gov.uk Find My Child Trust Fund if you're not aware where that money is.

Hyvä ratkaisu Martinille. Onko jotain muuta tähän tai oletko valmis aloittamaan suurin aiheesi? En ole. Luulen, että voimme aloittaa suurin aiheeni. Yksi asia, jonka sanoisin on, että jos löydät asioita, anna meiltä tietoa. Voisimme olla yhteydessä. martinlewispodcast.bbc.co.uk. Haluaisin kuulla. Se antaa minulle hienoa, kun tiedän, että olemme tehneet jotain ja se on toiminut.

Right then, here is our main topic, energy bills. Now Martin, you were on with Adrian a fortnight ago last, and you were predicting for the new energy price cap. Here it is. The rise is going to be about 13%. Now I say about 13%, it could be 12%, it could be 14%, but it's going to be somewhere in that ballpark unless something radical happens. And we've just heard from the Chancellor, there is not going to be any intervention in the July price cap.

Joten nämä ihmiset, jotka ovat kappaleiden päässä, voivat nähdä, että kappaleiden määrä on 13 prosenttia julkaista. Tässä ovat kappaleiden määrät. Viime viikolla se tuli 13 prosenttiin. Nyt onnistu, Martin. Voitko antaa minulle loppujärjestelmät viikonloppuun? Siellä ne ovat. 13,4 prosenttia se oli, jos olisimme todella, todella selkeämmät. Tiedät mitä, olisimme todella selkeämmät. Onneksi seuraavaksi menisimme lisäämme.