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If you run into any problems during or after the switching process, you should complain in
the first instance directly to your new bank.
If you're not happy with the answer you get or it doesn't reply to you within eight weeks, you
can take your complaint to the Financial Ombudsman Service (FOS) . Supermarket
reductions
A top tip was that many staff have the authority to reduce prices at their discretion -
particularly goods that are damaged/nearing their sell-by dates.
If you're friendly, staff are more likely to help than when you're rude.
Reduction times vary not just by supermarket but by store (and it's particularly dependent on
opening times).
As a rough guide, the first yellow stickers tend to appear mid-morning, and silly-price
reductions begin early evening, when stores cut prices by 75% and more, reveals Martin
Lewis.
Here's when MoneySavers revealed to moneysavingexpert website the best times to bag
these bargains. The fizzy milk will soon be available in supermarkets (Image: Getty) Asda
Final reductions often start around 7pm – and most bargains have been snapped up by
9pm.
Co-op
Discounts at Co-op very much varies by store. One former staff member told Martin Lewis
items which expire that day tend to have a 50% discount and reductions increase around
5pm, though another MoneySaver said you have to wait until 8pm for 75% discounts.
M&S Food
M&S shoppers have revealed how they've seen final reductions at 6.30pm in stores which
close at 7pm, and at 8pm in stores closing at 9pm. One person revealed that M&S often
marks down items reaching their sell-by date "just after lunch".
Morrisons
Shoppers said reductions tend to start late morning or lunchtime. Morrisons told m
oneysavingexpert there's no set policy though and it's up to individual store managers to
decide when and how to reduce items.
Sainsbury's
The official line from Sainsbury's is also that the timing of yellow-sticker discounts is
"completely store dependent". MoneySavers told moneysavingexpert it's worth starting
scanning for yellow stickers around lunchtime .
Tesco
Tesco also insists there's no hard and fast rule on discounts, according to
Moneysavingexpert. Previous reports from shop-floor staff suggest reductions start as early
as 8am and big discounts materialise early evening – but much will depend on individual
stores' opening times. Returning products
Consumer rights are a minefield, with customers routinely unaware of what they can and,
more importantly, CANNOT return.
Unfortunately, it has been revealed that shoppers actually have no rights to return items
simply because a particular item of clothing doesn't fit.
And, in even worse news, you can't send it back if it's the wrong colour or you've just
changed your mind.
When putting the question surrounding returns policies to a vote, it was found many people
believed as long as they had a proof of purchase they were eligible to return items, reports
the Liverpool Echo.
Speaking during his ITV show, Martin said: "If goods are faulty then you don't need a receipt
you just need a form of proof of purchase that can be the receipt or can be a credit card
statement, which is why I think people answered it with that one."
Although when asked by co-host Angellica Bell why she is always able to return items, the
money-saving guru cleared this up. Legally stores do not need to offer this, with returns only