Martin Lewis

And generally, if you want to get through earlier in the morning is often best as a general rule, you know, not just haggling all over the place.

Absolutely right.

And if I just go through the top five sectors to haggle with it, I won't do this with the music bed.

Bank and card providers overall, 46% success rate.

Mobile phone providers, 63%.

TV, broadband and home phone, 69%.

Insurance, 70%.

And breakdown cover, 87%, which I think is worth knowing.

Back to the tips that I've got.

I mean, some of these are fascinating.

Tina again on timing.

Don't ring around lunchtime when people are on breaks.

you'll have longer wait times and more stressed staff.

I like this one too.

Kylie.

When we ask if there's anything else we can help with, please don't ask for the lottery numbers, because we've heard it millions of times already.

Brilliant.

Kim says, know the NATO phonetic alphabet, because when you have a letter like a B or a P in your name or postcode, they sound similar over the phone.

Also M and N. And then...

Swear words tend to come in the front of people's mind when they're under pressure to come out with something.