USA Update

THE Six’s secret is finally uncovered by Nish Panesar next week in EastEnders.

Nish starts to grow suspicious of The Six after he overhears a clandestine chat between Kathy and Suki in upcoming scenes on the BBC soap.

BBC

Nish is adamant something is awry[/caption]

BBC

Suki decides to take matters in her own hands[/caption]

BBC

Nish summons The Six to meet him in The Vic – but what does he have planned?[/caption]

He later rumbles the women’s group meet at No.41, where they try to remember their statements from Christmas. 

Nish is adamant something is awry.

But, the women insist they have nothing to hide.

Nish insists on travelling with the group to the police station where he and the women are re-interviewed by DCI Arthurs on the events of Christmas.

Later, Nish heads to No.41, convinced Suki is hiding something.

Suki reels as Nish confronts her about the truth.

Suki invites the rest of The Six to No.41 on false pretences on Nish’s orders.

And it’s not long before things escalate as the women learn their secret is no longer safe.

Suki decides to take matters in her own hands and sends the rest of the women home.

But, it soon becomes clear that Nish will not be easily bought.

At No.41, Suki rejects Stacey’s calls as she prepares for the worst – Nish is moving back into No.41.

Later, Avani has some difficult questions for Nish, which prompts Nish to summon The Six to meet him in The Vic and reveal his plan.

EastEnders airs Monday to Thursday on BBC One and BBC iPlayer.

MUM of two Bryony Lewis has not looked back since getting a log burner fitted in autumn 2022. 

She reckons she’s already saved £2,000 on her bills since switching to burning wood instead of turning her heating on two years ago.

The 40-year-old, who lives in a five-bed home in Fareham, Hampshire, with her husband, Dan, her son Theo, eight, and daughter, Izzy, six, runs her own e-commerce business, T & Belle, which sells gifts for parents.

That means she spends a lot of time working at home – and over the winter the heating bills rack up.

So a few years ago, she started looking into what she could do to reduce her bills, and found that log burners can be a great way to heat the whole house up for far less.

With energy bills having risen from October 1, when the price cap went up by 10%, Bryony is very glad she made the investment.

This move by Ofgem saw the average annual energy bill jump from £1,568 to £1,717, meaning households are set to fork out even more cash to heat their homes this winter.

Bryony said: “The cost-of-living continues to go up and gas and electricity bills are making an increasingly big dent in our finances. We are very happy we made the decision to find a cheaper alternative to central heating.”

According to Uswitch, the average household with typical consumption could pay around £226 on gas over three months (October to December) based on the current price cap unit rates. 

This is based on regulator Ofgem’s ‘breakdown of usage.’ But note that the cost for each household will vary based on a number of factors, such as type of home, energy performance certificate (EPC) rating, number of radiators and type of boiler. 

After getting a smart meter, Bryony calculated the family was easily spending upwards of £800 on central heating over six months.

How much did it cost to switch?

Bryony paid £800 for her log burner, plus around £1,000 to get it installed – but this included the cost of removing the family’s previous open fire place, so without that it would have been cheaper.

She said: “We paid around £800 for our ACR Woodpecker WP5 Plus – but as we’ve discovered, it doesn’t take too long to recoup the cost.”

Bryony opted for a modern multi-fuel burner, which is a more eco-friendly type that is approved for use in smoke-control areas.

Now, the only ongoing running costs are logs, kindling and firelighters, which has been far cheaper than running central heating.

Bryony said: “For the whole of the winter season last year – from October to March – we spent a total of £100 on those three items,” she said.

One of Bryony’s top tips is to invest in good-quality kiln-dried logs.

“Doing this means the unit gives out a lot of heat,” she explained.

When buying logs, remember to look out for the “Ready to Burn” logo, a scheme that certifies solid fuels for burning in England. 

The only other associated cost Bryony needs to budget for is getting the chimney swept regularly. 

She said: “We last did this last in September and it cost us around £60.”

If you’re looking for a qualified individual locally, the National Association of Chimney Sweeps (NACS) is a good starting point. Also get your burner regularly serviced to keep it in tip-top condition. 

When getting any wood-burning appliance installed, you must always use a qualified tradesperson, such as a HETAS-registered installer.

And make sure you’re up to speed on wood burning stove winter rules – read more here. 

“Even on the coldest days, we only put it on for a maximum of one hour in the morning and the same before bedtime, despite the fact I work from home.”

Other energy-saving measures

Investing in a log burner is not the only energy-efficient change Bryony has made at home. 

“Our smart meter showed me that the oven was another energy-guzzling appliance,” she said.

“So, after researching the alternatives, I invested in an air fryer. This was back in 2022, and we have made really good use of it since then.”
The family went for a 7.6-litre Ninja Dual model. 

“As a family, we do a lot of things to try to be more efficient,” said Bryony. “We take care to always switch appliances off at the plug, as leaving devices on standby can cost a small fortune.”

Figures from Quotezone suggest households could save around £80 a year by switching off  ‘vampire’ appliances such as gaming consoles, computers, laptops, and speakers, as well as dishwashers, washing machines, tumble dryers, microwaves, coffee makers and TVs.

Bryony added: “Other steps we take to save on energy costs include replacing all our lightbulbs with energy-saving ones.”

IF you get a letter from the Department for Work and Pensions (DWP) saying that you’ve been paid too much money, it can be very stressful.

Overpayments can happen for lots of reasons including system errors, changes in your circumstances, and even mistakes made by the government itself.

Alamy

The bad news is that if you have been overpaid you almost always need to pay the money back, even if you didn’t notice and have spent it already.

However, you can usually speak to the DWP to work out a monthly payment plan, or there will be a deduction in future benefit payments until the debt is repaid.

The benefit office will determine how much money you should have received, what needs to be paid back, and whether you need to pay a penalty (for instance if you lied about your circumstances).

However, if you think that your payments were correct and you shouldn’t owe DWP anything, then you can challenge the decision. 

We revealed earlier this year that some people are being sent overpayment demands, but after we intervened, it turned out they didn’t owe a penny – so it’s worth checking.

Single mum Penny Davis managed to get a £12,382 bill wiped after she challenged a Universal Credit overpayment demand – and found she was actually owed £2,000.

What to do if you get a letter saying you’ve overpaid

You should get a letter from the benefit office explaining why they think you’ve been overpaid. If you haven’t been given the reasons in writing, ask for them.

If you still think there’s a mistake, start by phoning up the benefit office and explaining the issue.

Give them any evidence you’ve got that supports your belief that you’ve not been overpaid. This might resolve the problem quickly.

If that doesn’t work and you still disagree, you can formally dispute an overpayment by asking for a free mandatory reconsideration. You must do this within a month of receiving your original letter.

You might be able to get an extension in some circumstances, for instance if you’ve been in hospital or had a bereavement.

Don’t forget, someone will look at your whole benefit claim again. This means your benefit could stop, stay the same, increase or decrease.

If you’re not sure, you can contact a charity such as Citizens Advice, Advicenow, or StepChange for help. They can also provide advice if you’ve been accused of benefit fraud. You can also seek advice from a legal professional.

The government says you can ask for mandatory reconsideration if any of the following apply:

• you think the office dealing with your claim has made an error or missed important evidence
• you disagree with the reasons for the decision
• you want to have the decision looked at again

Before making a request for a mandatory reconsideration, make sure you understand why the decision was made. Being clear will help you to explain your case.

If you need help understanding the reason for your benefit decision, call the benefits office. They should be to explain and answer any questions you might have. 

You can ask for a written explanation from the benefits office – known as a ‘written statement of reasons’. You can still ask for mandatory reconsideration after that but must do so within 14 days from when you get the statement.

How to ask for mandatory reconsideration

To ask for a mandatory reconsideration, you need to contact the benefits office. If you get Universal Credit, you can do this via your journal. Other ways to ask for one include by letter, by phone, or by filling in and returning a form.

The contact details may vary depending on which benefit the dispute refers to, but they should be on your overpayments letter.

If you want to dispute a Housing Benefit or Council Tax Reduction overpayment, you’ll need to contact your local authority.

For tax credits or Child Benefit, you need to contact HMRC.

What you need to provide

When asking for a mandatory reconsideration, you’ll need to provide:

• The date of the initial decision
• Your full name and address
• Your date of birth
• Your National Insurance number

You need to say which part of the decision you think is wrong and provide supporting evidence to prove it.

For example, this could be medical evidence or bank statements and payslips. The government says you should only include evidence you have not already sent, and that you should not include general information about your condition or unrelated appointment details.

Make sure you write your name, date of birth and National Insurance number at the top of each bit of evidence so it’s clear it relates to your claim. Unfortunately, you can’t claim back the costs of providing evidence.

If you’re not sure what evidence to send, read the guidance on the form for asking for mandatory reconsideration. You can also ring the benefits office, or speak to a charity or legal adviser.

What happens next?

The benefits office will reconsider its decision about your overpayment. You’ll then get a letter called a ‘mandatory reconsideration notice’ telling you whether they’ve changed their minds.

This letter should explain the reasons for the decision and the evidence it was based on.

If you disagree with the outcome, you can appeal to the Social Security and Child Support Tribunal. This must be done within one month of getting the letter, unless you have a good reason.

This body is independent of government, and a judge will listen to both sides of the argument before making a final decision.  

If you were overpaid

You can usually try to negotiate to make sure that your repayments are affordable.

If you think the repayments will leave you in serious hardship, you should let the benefits office know as they may be able to help.

You can also ask the DWP if it will “exercise its discretion not to recover an overpayment”, which means writing off what you owe.

They don’t have to say yes, and if they refuse you, it can’t be challenged.  You need to give as much evidence as possible about how the payments will affect you and your family.

Even if you have very good reasons, bear in mind it is extremely rare for the DWP to decide you don’t need to pay back the money if you genuinely owe it.

Do you have a money problem that needs sorting? Get in touch by emailing squeezeteam@thesun.co.uk

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NOVAK DJOKOVIC has revealed he is still haunted by growing up in war-torn Serbia.

The 24-time Grand Slam champion has enjoyed an illustrious career over the last 21 years.

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Novak Djokovic cannot forget the horrors of war[/caption]

He grew up in Serbia during the Yugoslav wars, with his homeland bombed by NATO – an experience Djokovic can never forget.

In an interview with La Nacion, he said: “It’s the fear of the unknown. Not knowing if the next bomb is going to hit your head.

“And so it was every day, the alarms, the sirens that woke us up every night when the planes were approaching.

“When I see these wars and everything that is happening… I lived through the war, my city was bombed day and night for two and a half months.

“It’s a horror. The worst thing anyone can experience. It’s the fear of the unknown.

“I saw dead people and now that I see wars in other parts of the world, I don’t understand.”

Djokovic, 37, also spoke about how the war helped him grow up fast, as his dad gave him responsibilities which included looking out for his brothers.

He continued: “I want to make it very clear – I don’t think anyone should suffer through war to develop mental strength, there are other ways to do it.

“For me, it was a very important part of my development and as a small child, I was forced to grow up. I had to take responsibility and share my father’s role because I was the eldest son and there was no time.

“My father spoke to me as an adult: ‘You have to do this, take your brothers there, go here.’ It was war.”

“I don’t want to see a women’s march with pussy hats come January if something doesn’t go right."

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