In early October, the Guardian’s consumer desk totted up what number of kilos’ price of fraud had been reported to us by readers over the summer season, and have been horrified to search out that it was in extra of £1m.
This 12 months we’ve got been inundated with letters from readers who’ve been unlucky sufficient to be caught up in every kind of fraud – amplified and sophisticated by the pandemic – and asking for our assist. Now we have seen the whole lot: from courting scams to individuals utilizing the Covid-related increase in on-line procuring to catch others out with faux supply texts, and pension frauds utilizing faux web sites.
We supplied recommendation to individuals on the best way to declare refunds and, with the assist of a visitor look by my cat, checked out how straightforward it’s to provide away precious data to fraudsters on-line. The devastation scams causes victims goes past monetary loss, and we’ve got tried to mirror this in our protection. Sadly, even with our intervention, individuals don’t all the time get again their cash. However we hope by highlighting these tales we will a minimum of assist different individuals be alert to the hazard.
The a whole bunch of letters we get from readers each week lie at the coronary heart of our operation. This correspondence makes us the canaries in the coalmine – if one thing goes incorrect someplace, then we are sometimes amongst the first to know. Again in January, we began to listen to from individuals who had been hit with sudden customs payments on items they’d ordered from the EU post-Brexit. Regardless of the promise of tariff-free commerce, it was changing into obvious that our on-line procuring had turn into extra pricey.
Our consultants alerted individuals to the new guidelines, defined the complexities of the post-Brexit tax scenario, and even received concerned in a couple of instances. In March, Miles Brignall took on the case of a bicycle owner who was dealing with an sudden £2,000 invoice to obtain a motorcycle imported from Poland, or a £1,500 invoice to return it. With Miles’s assist, the invoice to maintain the bike was adjusted right down to £1,000 – a welcome end result for a reader who had described their scenario as Kafkaesque.
Anna Tims uncovered additional Brexit fallout. After warning final 12 months that issues might come up from asking EU residents to make use of a digital system to show they’d proper to stay in the UK, she adopted up the instances of a few of these affected. In June, she revealed how ladies have been being caught out by a glitch which meant the incorrect surname would present on the system; then in September she revealed issues arising from a technical anomaly for individuals altering their standing.
However the massive issues for readers this 12 months centred round Covid and the myriad consumer points related to it. Simply 12 days into the new 12 months we reported on how the non-public corporations providing Covid assessments for travellers have been failing to ship outcomes in time for travellers, and we obtained increasingly emails on the topic as individuals began to journey once more. The entire system appeared flawed, and as the summer season holidays received into full swing, Zoe Wooden put the highlight on suppliers who have been charging rather more than the headline charges, discovering that the Promoting Requirements Authority was investigating.
Strain mounted in the summer season, and there was extra in September, once we discovered that corporations have been turning down requests for refunds when assessments failed to show up. Anna Tims’s story was picked up elsewhere, inflicting Boots to relent and repay a reader whose case she featured. The competitors watchdog has now referred to as for higher vetting of the testers that seem on the authorities web site.
As a result of individuals have been travelling and wanted assessments, nonetheless badly the system is perhaps arrange, we did our greatest to assist them get a superb deal, with Rupert Jones offering an exhaustive information to the most dependable suppliers.
Along with taking over readers’ instances once they’ve received issues, we’ve got a number of different duties on the desk: protecting breaking information; answering questions individuals may need when one thing goes incorrect or there’s a giant change in coverage; recognizing patterns when instances usually are not simply remoted ones; and looking for out what’s occurring behind the scenes.
Writing explainers is one thing we spend numerous effort and time on. Tackling a Q&A about an unprecedented occasion may be robust. Generally we all know little or no about an rising subject in the morning, however as soon as we’ve spoken to these in the know we’re in a position to share our new understanding with the readers. This 12 months’s power disaster has put us in uncharted territory, with a lot of the traditional consumer recommendation turned on its head. Whereas at the begin of the 12 months we have been telling individuals to evaluate their payments and change to a greater deal, now we’re explaining why they need to sit tight. We’re indebted to the individuals who take our calls and assist us make sense of occasions for our readers.
It hasn’t all been gloom on the desk. Amongst all of it there have been some lighter moments. We’ve given readers a information to the greatest meal kits, checked out the value of doggy daycare, found why individuals are shopping for woodland, and checked out why you received’t get your loft transformed any time quickly.
Extra not too long ago, the value of dwelling has began to turn into a priority to increasingly households, and we’re doing our greatest to assist individuals navigate larger payments and put together themselves for any monetary shocks which may come up in future. No matter subsequent 12 months holds, we’ll do our greatest to elucidate what it means for our readers, and to take up the combat for them once they want our assist. It may very well be one more busy 12 months.