Every year, millions of people are failing to claim valuable tax breaks, refunds and compensation because they don’t know about them.
Here, we reveal five perks you could be missing out on and how to get them.
If your train is cancelled or severely delayed and you decide not to travel, you can typically demand a refund.
If you continue your journey and arrive at your destination more than 30 minutes late, you should be able to claim back at least part of your fare.
Too late? If your train is cancelled or severely delayed and you decide not to travel, you can typically demand a refund
Each train operator has its own rules on when and how much it will pay. For example, if you bought a single ticket with Virgin Trains, you should get a 50 per cent refund for delays of between 30 minutes and an hour, and the full fare back if you are delayed longer.
Southern Rail pays 25 per cent of the fare for hold-ups of between 15 and 30 minutes, 50 per cent between half-an-hour and an hour and a full refund after that. You can claim online or by post using a Delay Repay form.
Travellers who hold a monthly or annual season ticket usually get a proportion of the total cost back based on the average number of journeys a typical passenger makes during that period.
If you are travelling by plane and your flight arrives at its destination more than three hours late, you may be entitled to up to £530 (€600) in compensation.
Rules: Each train operator has its own rules on when and how much it will pay for delays
If you think you’re eligible, contact your airline and request compensation under EU regulation 261.
You cannot claim for delays caused by so-called extraordinary circumstances, such as bad weather and strikes.
If you applied for power of attorney between April 1, 2013 and March 31, 2017, you may be entitled to a refund of up to £54.
Power of attorney is a vital document that gives someone the legal authority to manage your finances should you fall ill or have an accident.
The fee for registering this document is only supposed to cover the cost of providing the service.
But around 1.8 million people were charged too much, so the Government has set up a refund scheme.
How much you get back depends on when you applied. You should receive £54 if you registered between April and September 2013, £34 between October 2013 and March 2014, £37 between April 2014 and March 2015, £38 between April 2015 and March 2016 and £45 between April 2016 and March 2017. You should also get a 0.5 pc interest payment on top.
Claim online at gov.uk/power-of-attorney-refund. Or you can apply by phone — call 0300 456 0300 and choose option six. You have until January 31, 2021 to claim.
If you are married or in a civil partnership, you could be missing out on a £662 tax perk by failing to claim the marriage tax allowance.
The so-called marriage allowance was introduced in 2015 to help married couples and civil partners where one partner earns less than the other. The taxman lets the lower earner transfer up £1,150 of any unused £11,500 tax-free personal allowance to the higher earner.
Allowance: If you are married or in a civil partnership, you could be missing out on a £662 tax perk by failing to claim the marriage tax allowance
This reduces their annual tax liability by up to £230.
Claims can be backdated to the 2015-2016 tax year, which means you could be entitled to up to £662.
If you were eligible and your partner has since died, you should still be able to claim.
To qualify, you must both have been born on or after April 6, 1935. The higher earner must also be a 20 pc basic-rate taxpayer.
Visit gov.uk/marriage-allowance or call 0300 200 3300.
Around 1.2 million borrowers who took out a credit card with Vanquis Bank are owed around £169 million in compensation.
According to the City watchdog, customers who took out a card between June 2003 and March 31, 2014 were mis-sold an add-on product called a Repayment Option Plan.
This allowed customers to freeze their accounts for up to two years so they wouldn’t have to make any payments and take a repayment holiday for one month a year without being hit with any late payment fees.
It typically cost about £1.29 a month for every £100 owed, or £1.19 if you were a student or unemployed.
Compensation: Around 1.2 million borrowers who took out a credit card with Vanquis Bank are owed around £169 million in compensation
But Vanquis failed to make clear that borrowers would pay interest on this fee if they didn’t clear their balance each month.
So the Financial Conduct Authority has ordered the firm to pay these customers compensation, which could be worth more than £100 each.
Vanquis also sold ROP to people with Argos, Aquis, Black Diamond, Chrome, Granite, NEO, Origin, Progress and Xylo credit cards for 13 years between 2003 and 2016.
Visit vanquis.co.uk/existing-customers/repayment-option-plan-refund or call 0330 099 3000.
HELP WITH HEATING
Temperatures plummeted when the Beast from the East swept Britain earlier this month. It means many will be eligible for a perk known as a cold weather payment.
This is £25 paid out when the temperature in your local area is recorded at or below 0c for seven consecutive days. The scheme runs from November 1 to March 31.
You must be in receipt of pension credit, income support, income-based jobseeker’s allowance, income-related employment and support allowance or universal credit to qualify. Check if a payment is due in your area at coldweatherpayments.dwp.gov.uk.
Win £10,000 to cover your bills for a year
As well as giving your finances a spring clean, today we are offering you the chance to win a fabulous £10,000 in cash to put towards your household bills for a year.
You can enter in one of three ways: by text, phone or via MyMail. All entries must be received by 23:59 on March 31, 2018. You can enter as many times as you wish by phone or text, but only once online.
TEXT: Send BILLS followed by your name to 65700 (eg BILLS Sue Smith). Texts cost £1, plus your standard network charge.
PHONE: Call 0901 293 0044 and leave your full name and contact details. Calls will cost £1, plus your network access charge.
MYMAIL: Follow these four simple steps to enter for free . . .
1. Join or sign in to your account at mymail.co.uk
2. Enter any Unique Number from the back page of the Mail between March 24 and March 27, 2018.
3. Click ‘Redeem’ by 23.59 on March 31, 2018 to be in with a chance of winning — no Nectar points required.
4. You will receive a confirmation email within 24 hours.
If your newspaper has no Unique Number, log in to MyMail and generate one using the missing numbers system.
Open to UK (excluding NI) residents aged 18+. One entry per person. Draw open until 23:59 on March 31, 2018. All entries after this time will be invalid, but may be charged. One prize of £10,000. Promoter: Associated Newspapers Ltd. Full terms on page 67 of the Daily Mail on 24 March 2018.