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Has anyone checked the links recently in the resources section?

Credit Action Org link is coming up with a 404 error.

cracker com au comes up with a message stating it is closed down.

home-repo org comes up with a Server not founder error.

Isn't 0870 local rate these days? What is the point of: saynoto0870?

Some of the other screenshots are outdated.

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Isn't 0870 local rate these days? What is the point of: saynoto0870?

Nothing is ever "local rate" these days. Providers scrapped the price differential between ringing "local" 01/02 numbers and "distant" 01/02 numbers in 2004 or thereabouts.

Additionally, since that time, the vast majority of landline users have been on a package that gives inclusive or "free" calls of up to one hour to all 01 and 02 numbers country-wide.

0870 (and its 0990 and 0541 predecessors until 2000) was tied to provider's national call rate, but only until 2005.

Likewise, the call price for 0845 numbers (and the older 0345 and 0645 versions before 2000) was previously tied to provider's local call rate, but again only until 2005.

Since 2005, 0845 has been "special services: basic rate" and 0870 has been "special services: non-geographic number". It is illegal to use the terms "local rate" or "national rate" to describe any of these numbers. The ASA has ruled on this multiple times since 2006.

Since their inception, 0845 numbers gave the user a 2 p per minute revenue share and 0870 numbers gave the user a 5 p per minute revenue share.

Ofcom ruled in 2009 that revenue share would cease on 0870 numbers and the price for calling 0870 from landlines should fall and that 0870 calls should be inclusive in landline call packages.

BT complied with that, and, as they expected the same ruling to be extended to cover 0845, BT also made 0845 calls inclusive. BT, having jumped too early, currently has to pay out the 2 p per minute revenue share subsidy for 0845 calls even when the caller isn't paying for the call. Ofcom didn't implement the expected 0845 changes in the end.

Many users had moved to 0844 and other revenue share numbers not covered by those changes, and many more made the move as soon as the 0870 ruling came into effect. The Ofcom changes had not helped the consumer all that much.

Ofcom soon realised that the changes to 0870 had little or no effect on the massive price paid by mobile users and decided not to extend the 0870 changes to also cover 0845 numbers.

Instead, Ofcom looked at other solutions and those will happen in 2013 or 2014 after another round of consultations.

In 2007, Ofcom had introduced 03 numbers. These cost the same as 01 and 02 numbers to call, whether from a mobile or from a landline. Calls also count from bundled inclusive minutes. Revenue share is not permitted on 03 numbers.

0844 (and 0843, 0871, 0872 etc) numbers are revenue share numbers. These have never had any link to national rate or local rate pricing. BT are not allowed to charge callers any more than the revenue share. Whatever you pay BT for the call, BT retain none of it - it all gets passed on to who you called (or gets retained by their phone provider to offset the cost of running their phone service). BT will be freed of that price capping regulation soon. Other landline providers already add several pence per minute to the price and mobile operators add 20 to 30 p per minute.

Companies using these numbers usually quote BT's very low capped-by-regulation call price and the vague "other providers may charge more" wording, and often fail to mention the revenue share benefit they receive from these calls.

With this complete lack of price transparency now becoming a big problem, Ofcom now propose changing to unbundled tariffs for 084 and 087 numbers.

Under this scheme, the company you are calling will have to declare the amount of revenue share built into the call price - the "service charge" (currently up to 5 p per minute for 084 numbers and up to 10 p per minute for 087 numbers) - and your phone company will have to declare how much they add to the price of the call - "the access charge" (currently up to 10 p per minute from landlines and up to 35 p per minute from mobiles).

This will give a much needed wake-up call to those companies that still believe their 084 and 087 revenue share numbers are somehow "local rate" (sic).

At the same time, the Consumer Rights Directive will force customer service and other such phone lines to move from 084 and 087 numbers to the equivalent 034 or 037 number. CRD requires that consumers pay no more than the "basic rate", in other words "geographic rate", to contact companies. Moving customer service and other such lines to 03 numbers will make those calls inclusive for most callers and the same price as calling 01 and 02 numbers for the rest.

Where 084 and 087 numbers continue to be used, their revenue share "premium" status will be clearly advertised. It will be even more clear that these calls are not "local rate" or "national rate" or any such similar misleading description.

TIP: Whenever you see an 084 or 087 number advertised, replace the "8" with a "3" and then try dialling that 034 or 037 number. Otherwise, the number search function at saynoto0870.com as mentioned above might locate an 01 or 02 number that can be called cheaply from both landlines and mobiles, or an 0500, 0800 or 0808 number that is free to call from a landline.

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  • 317 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?

      • down 5% +
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