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Citizens Advice said on Friday that overcharged customers were losing 4.1 billion pounds ($5.2 billion) a year and called on the Competition and Markets Authority (CMA) to outline how the problem can be fixed. |
The CMA said it would consider the concerns raised and what should be done about them. This will include engagement with relevant regulators such as the Financial Conduct Authority (FCA) and Ofcom. It will publish a response within 90 days. |
“The practice of overcharging loyal customers is widespread and Citizens Advice has repeatedly warned that loyal consumers are being ripped off,” said Citizens Advice Chief Executive Gillian Guy. |
The charity said its research had found that eight in ten people were paying a significantly higher price, in at least one of the markets, for remaining with their existing supplier. |
“It beggars belief that companies in regulated markets can get away with routinely punishing their customers simply for being loyal,” said Guy. |
The super-complaint is the fourth the charity has made since being given the power in 2002. |
It said its complaint on payment protection insurance (PPI) in 2005 has helped customers receive 32.2 billion pounds in refunds and compensation so far. |
Irish prospect William Hondermarck says his transfer to Championship side Norwich City from Drogheda United is a “dream move”. |
But the French-born teenager, who has lived in Ireland since the age of five and is eligible for the Republic, plans to keep up his studies as well as his football career. |
Hondermarck moves to Carrow Road after a successful spell with Drogheda and has already bedded in at Norwich as he was involved in last night’s FA Youth Cup game against Preston. |
“It feels like a dream. To have the chance to be involved in an environment like this is amazing for me,” said the 18-year-old. |
“Education is a big thing for me, so I’m going to still be studying. |
“I really want to settle into life here at Norwich and get a feel for the people here. But I want to focus on getting a good education as well,” he added. |
Hondermarck had a spell at Shelbourne when he was 16 but managed to work his way into the first team at Drogheda following his move there, catching the eye in a shock FAI Cup win over Shamrock Rovers last season and attracting cross-channel interest. |
Tesla debuted its Model Y prototype on Thursday at the company's design center in Hawthorne, California. |
The Model Y could help Tesla tap into the growing crossover market. |
Tesla is now allowing customers to order the Model Y online, requiring a refundable $2,500 payment, due today, to move their orders forward. |
Tesla just introduced its latest electric vehicle, the Model Y, a crossover SUV that will cost from $39,000 to $60,000 depending on configuration. |
The Model Y is about 10 percent bigger than the Model 3, seats seven, features a panoramic glass roof and 66 cubic feet of cargo space, Tesla CEO Elon Musk said, showing off a Model Y prototype at the Tesla Design Center in Hawthorne, California on Thursday night. |
Demand for sport utility vehicles in the United States has been high over the past few years. New models have flooded the market, looking to unseat best-sellers like the Toyota RAV 4, Nissan Rogue or Honda CR-V. |
Tesla hasn't offered a new SUV to tap into that demand since it began producing its Model X vehicles in 2015. The X features falcon-wing doors, which delighted some drivers but repelled others. The Model Y ditches this feature. |
According to Musk, however, the Model Y will share about 75 percent of its components with the company's Model 3 electric sedans, allowing Tesla to start manufacturing the new SUV for far less money that it spent to begin producing the Model 3. |
Auto-makers typically share parts across new models, and sometimes build different models on shared assembly lines. This helps them control costs and get new vehicles to the market relatively quickly. |
Tesla's Model Y is a crossover SUV that seats seven, features a panoramic glass roof and 66 cubic feet of cargo space. |
In the past, Tesla missed its part-sharing goals, production and sales targets. |
Its Model X was supposed to share a majority of its parts with Tesla's Model S, but it only wound up sharing around 30 percent after Musk originally planned for 60 percent. |
Pricing of the Model Y is a key consideration for investors. Bernstein senior technology research analyst Toni Sacconaghi wrote in a note ahead of the model's debut, "We'd expect the initial price to be around $55,000. This will be key to manage against cannibalization." He also said that, in the longer term, the Model... |
Tesla previously said it would most likely manufacture the Model Y at Gigafactory 1, its sprawling battery plant outside of Reno, Nevada. Musk did not confirm this plan at the unveiling event. |
While Tesla has accepted $1,000 "pre-orders," or reservation payments, in the past, Musk did not mention any reservation plans for the Model Y. Customers can order the Model Y on Tesla's website already. Ordering requires a $2,500 payment, due today, to move an order forward. |
The CEO spent the better part of the hour-long presentation recounting Tesla's achievements building factories, charging infrastructure and luxury electric vehicles while battling electric car opponents and skepticism. Fans in the audience heckled Musk as they would a stand-up comic, and he bantered with them about whe... |
"It's wild to think about, 11 years ago today we'd made literally one car. And a year from now we'll have made a million," Musk mused, echoing the content of a tweet that recently landed him in hot water with financial regulators. |
While Musk did not give specific guidance as to the volume of Model Y SUVs the company planned to produce in 2020, he said, "We'll probably do more Model Ys than S, X and 3s combined." |
Clever crows have shown how they can assemble tools from two or more non-functional components, a feat previously only seen in humans and great apes. |
Scientists videoed captive Caledonian crows slotting together rod pieces to create a tool long enough to extract a food reward. |
In one experiment, the birds were presented with the barrels and plungers of disassembled syringes. |
Without any help or demonstration, four of the eight birds partially inserted the plunger to manufacture the right length of tool. |
One star performer, called Mango, was able to make compound tools out of three and even four parts. |
The birds used the tools to drag a piece of food, a grub, along a slot to an open doorway. |
New Caledonian crows (Corvus moneduloides), from the island chain of New Caledonia in the South Pacific, are renowned for their tool-making ability. |
In 2002, a New Caledonian crow called Betty famously became the first animal shown to be able to create a hooked tool by bending pliable material. |
Professor Alex Kacelnik, from Oxford University, said: “The results corroborate that these crows possess highly flexible abilities that allow them to solve novel problems rapidly, but do not show how they do it. |
‘It is possible that they use some form of virtual simulation of the problem, as if different potential actions were played in their brains until they figure out a viable solution, and then do it. |
WASHINGTON (AP) — A new poll shows most Americans consider schools less safe than they were 20 years ago, and many parents are only moderately confident in schools’ ability to stop a gunman. |
That attack ushered in an era of school lockdown drills, bolted doors and bulletproof glass. But even with those measures, only about a third of parents say they’re extremely or very confident their children are safe in school, or in the school’s response to a shooter. About 40 percent are moderately confident. |
A majority doesn’t fault schools for the shootings. Bullying, access to guns, the internet and video games get more blame. |
The AP-NORC poll of 1,063 adults was conducted Mar. 14-18 using a sample drawn from NORC’s probability-based AmeriSpeak Panel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 4.1 percentage points. |
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Former Vermont Governor Howard Dean has pulled away from the field in the Democratic Presidential nomination race: his support among Democratic primary voters nationwide has risen in the past month, and held steady after the news of Saddam Hussein's capture. But the race remains open: more than half of Democratic voter... |
Dean has been a vociferous critic of the Iraq war. Most voters believe, as Dean does, that the U.S. is no safer from terror in the wake of the arrest of Saddam Hussein. And while Dean's rise may have been helped along by former Vice-President Al Gore's recent endorsement, most primary voters say Gore's nod makes no dif... |
Dean has the backing of 23 percent of likely primary voters, the same as he did in the days just prior to Saddam's capture, and up from 14 percent in November. His nearest rivals today are Wesley Clark and Joe Lieberman, both at 10 percent. |
Dean's rise between November and now seems to have come partly at the expense of Congressman Richard Gephardt -- whose 6 percent support today is down from 12 percent last month -- and to a lesser extent from Senator John Kerry, who has fallen to 4 percent nationally from 7 percent last month. But in a sign the race co... |
Dean has said that while he applauds the U.S.' capture of Saddam, it will not make the U.S. any safer, and most voters agree. 85 percent of Democratic primary voters think the threat to the U.S. will either rise or stay just as it is following Saddam's capture -- a feeling shared by 78 percent of all voters nationwide. |
AFTER SADDAM'S CAPTURE, THE TERROR THREAT IS…? |
Democratic primary voters are less likely than all registered voters to say that the war in Iraq, or removing Saddam Hussein, has been worth the costs. |
They are also less likely than voters as a whole to say that the U.S. efforts to rebuild Iraq now are going well, following Saddam's capture. Just under half of primary voters say the U.S. effort is going well following the arrest, while 66 percent of all American voters describe it that way. |
Nearly three-quarters of Democratic primary voters who back a candidate today say it is still too soon to say if their choice is final, and just 25 percent say their mind is made up. This is slightly less certainty than there was in December of 1999: when the 2000 Democratic nomination fight was about to begin, 29 perc... |
IS YOUR MIND MADE UP? |
With just over one month remaining before voting begins in the Iowa caucuses, most of the candidates vying for the Democratic nomination still do not elicit much response, either good or bad, from many primary voters. Joe Lieberman, the party's Vice-Presidential nominee in 2000, is the best known, and he also has the h... |
Lieberman received increased attention and favorability in the days following Saddam's capture. Before the capture, Lieberman had a 25 percent favorable rating and 58 percent had no opinion of him; in the days following, Lieberman received a 37 percent favorable rating while 44 percent had no opinion of him. |
Among all registered voters nationwide, Dean's favorability drops to 20 percent, while more -- 25 percent -- view him unfavorably. Gephardt and Kerry are also viewed more negatively than positively among all registered voters. |
Lieberman and Clark's favorability ratings are lower among all registered voters, too, but their overall standing remains mostly positive. Lieberman is viewed favorably by 27 percent of all voters and negatively by 24 percent; Clark is viewed favorably by 17 percent and negatively by 16 percent. |
But voters are not paying any more attention to the campaign now than they were a month ago: 21 percent say they are paying a lot of attention, and four in ten are paying it some attention. |
Dean's rise over the past month is apparently not only the result of Al Gore's endorsement -- though the former VP's nod has helped. One in five Democratic primary voters says they are more likely to back Dean for the nomination as a result of the endorsement, though the vast majority says Gore's support makes no diffe... |
DOES AL GORE'S ENDORSEMENT MAKE YOU…? |
Gore's endorsement had a similar effect on Democratic voters' general feelings about Dean; most voters said it made no difference, but where the endorsement did have an impact, it was positive. |
HAS AL GORE'S ENDORSEMENT MADE YOU…? |
Gore is seen favorably by most -- but not all -- Democratic primary voters: 52 percent hold a favorable view of him, but 21 percent hold a negative view of their party's 2000 nominee. Among all American voters, Gore does less well: 31 percent of voters nationwide have a favorable view of him, and 46 percent have a nega... |
If Dean does go on to win the Democratic nomination, 42 percent of all registered voters today say they would consider voting for him in the General Election in November, but 40 percent say they would not consider it. Currently, most Democrats would consider backing Dean, while 42 percent of Independents and 14 percent... |
Democratic primary voters are not necessarily looking for a candidate who opposed the war in Iraq -- in fact, many say the nominee's stance on the war would not matter to them. 31 percent want the party's nominee -- whoever he or she might be -- to have opposed the action in Iraq. 27 percent want a candidate who suppor... |
There was less desire for a nominee who opposed the war after the capture of Saddam: in the days prior to the capture, 40% wanted such a candidate. |
Only 21% of Democratic primary voters would like to see a nominee who supports gay marriage, while more than one-third would prefer the nominee oppose it. 41% say the candidate's stand on this issue would not matter to them. |
Democratic primary voters prefer someone who has Washington experience to someone who does not: 26 percent want a nominee whose experience is mostly in Washington, while 16 percent want a nominee from outside Washington. But more than half, however, say it would not matter. |
Upbringing could matter more. More than two-thirds of Democratic primary voters believe that political leaders who grew up middle class do a better job of representing middle-class interests than do leaders who grew up wealthy. 21 percent say those who grew up wealthy can represent the middle class just as well. Among ... |
WHO BEST REPRESENTS MIDDLE-CLASS PEOPLE? |
Many voters don't want to hear too much about the candidate's personal life, however. Nearly half of Democratic primary voters said that political candidates, in general, spend too much time discussing their personal lives: 47 percent think so, while 37 percent say the time spent on such topics is about right. |
Overall, 52 percent of voters hold a favorable view of the Democratic Party, and 54 percent hold a favorable view of the GOP, about the same way things stood just before the 2002 midterm elections. |
Whoever the Democratic nominee is, he or she will lead a party that is currently seen as better able to create new jobs, but not necessarily better able to create a strong overall economy. Despite the passage of Medicare reforms by President George W. Bush and a Republican-controlled Congress, the Democrats are still s... |
The December 14-16, 2003 poll was conducted among a nationwide random sample of 857 adults interviewed by telephone, including 716 registered voters and 290 Democratic Primary Voters. The error due to sampling could be plus or minus four percentage points for results based on the entire sample. |
The December 10-13, 2003 poll was conducted among a nationwide random sample of 1057 adults interviewed by telephone. The error due to sampling could be plus or minus three percentage points for results based on the entire sample. |
A college student with a rifle and wearing a George Bush Halloween mask was apprehended Wednesday after walking through the campus of St. John�s University, police said. |
of St. John�s University, police said. |
brought a gun on campus,�� police spokesman Paul Browne said. |
Police identified the student as Omesh Hiraman, 22, a freshman at St. |
No one answered the telephone at Hiraman�s home near the school. |
Police Department, which later searched his home in Queens. |
The rifle was loaded with one bullet, police said. |
around 5:30 p.m. Classes on the campus were canceled for the evening. |
received text and phone messages beginning around 2:40 p.m., he said. |
security guards and told to stay put. |
they updated students about every 15 minutes inside the gym. |
knew what was going on,�� she said. |
In a world where the words ‘iconic’ and ‘icon’ have been so cheapened by overuse, it’s salutary to recall their original meaning. In religious use, an icon is a representation that is more than a representation, an image that contains a power beyond itself. It’s not merely familiar or typical (or self‑referential). It’... |
That’s what makes the image of Tommie Smith and John Carlos on the podium at the 1968 Mexico Olympics that rare thing, a genuine icon. But its iconic power can only be reactivated, and the image saved from the banality of contemporary ‘iconography’, if we delve into the moment and its meaning, its background and its af... |
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