Money
Is AliExpress legit? Online shopping app explained
ALIEXPRESS is an online retail service based in China which offers a wide range of different products.
It is comprised of smaller business and retailers, in China, Singapore and several other countries, who sell to an international market.
World-wide company
The company is owned by Chinese multinational the Alibaba Group, which primarily focuses on computing and e-commerce.
AliExpress trades to international import buyers and does not trade within china.
In China, the Alibaba Group instead trades via a subsidiary named Taobao.
AliExpress was launched in 2010 and started off as a business-to-business portal, which has expanded to offer business-to-consumer and consumer-to-consumer sales.
It has websites in English, French, Spanish, Dutch, German, Polish, Turkish, Portuguese, Russian and Indonesian.
Questions over counterfeit goods
AliExpress is a legitimate business, but only has a Trustpilot score of 2.8 (as of October 2-24).
The brand has ran in to trouble when a report suggested there were concerns of counterfeit goods on AliExpress.
The report read: “Existing data shows a correlation between the use of forced labour and child labour in the global production of certain products and the types of products that are most commonly counterfeited.”
In response, Ambassador Katherine Tai added: “This illicit trade also increases the vulnerability of workers involved in the manufacturing of counterfeit goods to exploitative labor practices.
“Counterfeit goods can pose significant risks to the health and safety of consumers and workers around the world.”
AliExpress responded to the claims and said: “AliExpress is committed to protecting intellectual property rights and prohibits our merchants from listing items that infringe upon the IP rights of third parties, and has in place measures to combat counterfeits.
“Rights owners may contact our platform and submit their claims through our Intellectual Property Protection Platform to report cases of infringement.
“Sellers found to be in breach will be penalised according to our platform policies, which may involve fines, suspension or termination.”
AliExpress’ products
AliExpress sells thousands of discounted products, which allow users to buy more of the clothes that they love.
However, some users have claimed that they have received products that look very different to the ones that they originally ordered.
One Instagram user, whose handle is @itsleaux_, ordered an engagement dress from the site but she described her order as a “fail”.
She had ordered a fitted gown with blue tuelle but received a pink dress in the most.
The online store says it does allow full refunds for products that arrive late or are damaged though.
Money
It’s World Pasta Day – here’s how to save cash and make the most of the dish
IT’S World Pasta Day and the perfect moment to make the most of this versatile kitchen cupboard staple.
Tuck in to some of your favourite meals, from lasagne to macaroni cheese.
And here are some other ways to save cash and make the most of the dish . . .
REUSE WATER: You’re missing a trick if you drain away the water you’ve cooked pasta in.
Instead, use it to make sauces, as the starch helps thicken your concoction.
You can also use to create tastier soups and broths.
READ MORE MONEY SAVING TIPS
And if you plan to make bread from scratch, the starch water will help give a chewier texture than using plain tap water.
LOVELY LEFTOVERS: If you cook too much pasta, don’t bin it — turn it into another dish.
If you have extra penne or rigatoni, knock up a tasty pasta bake.
Or a pasta salad is an easy lunch — add fresh veg for extra crunch and a drizzle of oil, plus seasoning.
Leftover spaghetti can be turned into an egg frittata.
Simply beat enough eggs to cover the leftovers and cook in an ovenproof saucepan for five minutes then in an oven for another five.
CHILD’S PLAY: Pasta can be fab to keep little ones amused.
Cooked spaghetti is perfect for sensory play. Divide into portions and coat in food colouring — just wash off all the dye before letting your child play with it.
Or give older ones dried pasta to create art from by glueing it on to paper and painting it.
FREE PASTA: To celebrate World Pasta Day, Bella Italia is giving away 2,000 pasta dishes when you order a main meal.
Sign up to the chain’s mailing list to get the deal, but offer ends today.
Pasta Evangelists are giving away 5,000 portions of fresh pasta between 3-4pm at 25 locations across the UK including London, Brighton, Cardiff, Glasgow and Newcastle.
Find your nearest at pastaevangelists.com/pages/wpd2024.
- All prices on page correct at time of going to press. Deals and offers subject to availability
Deal of day
GET ahead with your Christmas shopping. This JoJo Maman Bebe gift set is down from £20 to £10 at Tesco with a Clubcard.
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Cheap treat
LOCK moisture into your lips with Vaseline limited-edition Vanilla Daydream balm which comes in a lovely tin. It’s £2, down from £3 at Asda.
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WHAT’S NEW
YOU don’t need to wait until Christmas to tuck into this passion fruit martini panettone.
It’s beautifully buttery and infused with a vodka and passion fruit syrup. Now in Morrisons at £5.50.
Top swap
GET a better night’s kip with help from Tisserand Aromatherapy pulse point oil blend, left, £8, from Boots.
Or try Lacura’s £2.49 version, right, from Aldi, giving some savings to sleep soundly.
SAVE: £5.51
Little Helper
CARVE an impressive pumpkin with a little help from a stencil. Hobbycraft has a range of free ones to download and print plus lots of other Halloween ideas.
Shop & save
ADD a pop of colour to your outfit with this fabulous red chain bag, down from £18.99 to £14 at H&M.
SAVE: £4.99
Hot right now
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Money
UK’s best restaurants revealed as Uber Eats shares full list of top takeaways – did you favourite make it?
THE UK’s best takeaway restaurants have been revealed in a brand-new list by Uber Eats.
The delivery platform has reached its shortlist for the coveted Restaurant of the Year title, which includes three burger joints and Caribbean “shack”.
The twelve finalists were whittled down from 130 entries across the UK and Ireland.
Judges included Great British Menu host Andi Oliver, street food connoisseur Kieran Monlouis and last year’s winner Josh Kleiner from Sandwich Sandwich.
One of this year’s finalists is Soho Tavern, a Gastro pub in Birmingham.
In the cosy interior, punters can enjoy British-Indian classics in front of a sports match.
Dishes include like butter chicken for £11.25 and chilli chips for £5.50.
Another Indian eatery, Urban Tandoor in Bristol, also makes the list with its authentic curries.
Meanwhile, two fried chicken shops, in Liverpool and Nottingham, were selected – with the Nashville Cluck being popular for its buttermilk tenders.
Of the three best burgers, one is sold at Junglees in London – famed for its £10.99 smash burger.
While Locke Burger in Limerick has some of customers’ favourite house fries – and a luxurious bacon cheese burger for £10.45.
And lovers of Caribbean soul food will be pleased to see Natty’s Jerk Shack in Portsmouth in the mix – serving up a “modern twist on Jamaican cuisine”.
Dessert bars are not forgotten in the prestigious list.
Mackles ice-cream shop in Belfast sells opulent £6 sundaes – with favourites including the “Happy Hipp”, “Lotus Lover” and “Strawberry Shortcake”.
The winner of the sought-after title will be crowned in London on November 14.
They will bag a whopping £100,000 prize to invest into their business.
Matthew Price, General Manager for Uber Eats in UK, Ireland and Northern Europe, said: “A massive congratulations to all our regional finalists!
“The calibre of businesses taking part in our Restaurant of the Year Awards continues to grow.
“I look forward to welcoming all the teams to the Awards in November, and hearing more about their journey as a small restaurant business.”
Who are the finalists for Uber Eats’ Restaurant of the Year award?
- Junglees, London
- Sqew Shawarma Bar, Yorkshire
- Natty’s Jerk Shack, South East
- 40 Ounce, North East
- The Nashville Cluck, North West
- Urban Tandoor, South West
- Chick and Shakes, Midlands and East Anglia
- The Soho Tavern, West Midlands
- Mackles, Northern Ireland
- Haystack Cafe, Wales
- Locke Burger, Ireland
- Salt & Chilli Oriental, Scotland
Money
Four checks to make NOW as clocks go back this weekend including heating and hot water – or risk extra costs
HOUSEHOLDS across the UK will get an extra hour in bed this weekend when the clocks change.
They will go back one hour at 2am on October 27, the last Sunday of the month, signalling the end of daylight saving time.
The change means mornings will be brighter but sunset will come an hour earlier as darker nights draw in.
Most people own some kind of smart tech like a phone or laptop which should update automatically early on Sunday morning.
But there are some devices you may need to adjust manually like any analogue clocks or cookers.
To help you get ahead of the clocks changing, here are four things you should do now to ensure you’re not caught out.
Change your clocks
Any analogue clocks will need to be pushed forward an hour.
If you don’t, any alarms you’ve set will go off an hour later which could make you late for work or any social plans.
Some alarm clocks are radio-controlled and automatically adjust their time and date, so check whether yours is or not before Sunday.
James Longley, managing director at Utility Bidder, said: “There are some cases where you will need to change the clocks manually.
“In the kitchen, you’ll have to take a look at your microwave and oven to update the time.
“Each appliance is different, but ordinarily, if your microwave has a clock button you will need to press it down for a few seconds and set a new time once you hear a beep.
“Similarly with ovens, a clock feature with up and down buttons should be standard on newer versions.”
Central heating and hot water
With the nights getting colder, you’ll want to make sure all your central heating systems are operating on the right time.
Smart tech will update automatically, but make sure you adjust anything analogue.
Fail to do this, and any timings you have in place to turn your central heating on and off could be wrong meaning you use heating or hot water when you don’t need it.
James, from Utility Bidder, explained: “Smart meters and thermostats should automatically adjust from British Summer Time to Greenwich Mean Time.
“But this may not be the case for older central heating systems, so be sure to check this so you aren’t wasting unnecessary energy from heating.”
When it comes to setting your heating at the right temperature, James said having it set at a minimum of 18 degrees Celsius should be enough to keep you warm.
“The World Health Organization recommends heating the home at around 18 degrees to maintain good health and a positive sleep routine.
“However, for the young, old or those who are unwell, 20 degrees Celsius is considered to be more appropriate.”
Why do the clocks change?
Clocks change twice a year, in Spring and Autumn, but why?
The concept of changing the clocks first arrived in Britain in 1907, when William Willett, the great-great-grandfather of Coldplay lead singer Chris Martin, self-published a pamphlet called “The Waste of Daylight”.
A year after Willett’s death, in 1916, Germany became the first country to adopt daylight saving time.
The UK did the same a few weeks later, along with other nations involved in the First World War.
British Double Summer Time was temporarily introduced during the Second World War, with clocks kept one hour in advance of Greenwich Mean Time to increase productivity.
Since the war, Britain has operated under British Summer Time except for between 1968 and 1971 when the clocks went forward but were not put back.
Getting the timing right for central heating systems means you’ll avoid paying to heat your home at the wrong time, which coudl add to bills.
Adjust smart lights and plugs
Anyone with automatic smart lights may need to manually adjust the time they’re set to come on.
If yours are connected to your phone then don’t worry as they should change automatically.
That said, you may still want to adjust the time they actually come on with the mornings turning lighter earlier.
The same rule applies to smart plugs that may be set up to turn lamps or other lights on at certain times of the day.
Having the lights come on when there’s still sunlight would be a waste of energy and money.
Review your finances
The clocks changing can be a great time to go over your finances ahead of the busy and expensive Christmas period.
Look over your bank statements or any credit card bills and work out where you could be saving money.
Use the time to make a budget for the festive period too, otherwise expenses can quickly grow out of control.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Mike Ashley threatens WWE-style smackdown at Boohoo by demanding they make him chief executive
MIKE Ashley is threatening a WWE-style smackdown at Boohoo by demanding the retailer makes him chief executive.
Just one day after dropping a separate £111million bid for Mulberry, the sportswear tycoon has deployed his favoured tactic of a public “poison pen” letter to attack the online fast-fashion giant’s management team.
The missive, wired to the City yesterday morning, accused Boohoo of “abysmal” performance and “value destruction”.
Mr Ashley’s Frasers Group has steadily built up a 27 per cent stake in Boohoo — and now owns more than the founder and executive chairman Mahmud Kamani.
The letter from the former Newcastle FC owner claims the board had “lost its ability to manage Boohoo’s business and investments”.
Clive Black, analyst at Shore Capital, likened the explosive development of “the Ashley- Kamani bout” to “retail WWE”.
“Get out the popcorn,” he added.
Just last week Boohoo said it would address the 90 per cent collapse in its share price with a strategic review.
That could spell the break-up of its Pretty Little Thing, Karen Millen and Debenhams brands.
Meanwhile, chief executive John Lyttle said he would be stepping down after five years.
Mr Ashley said there was now a “leadership crisis” at Boohoo, which would only worsen its ongoing problems and delay a return to growth.
His letter stated that appointing Mr Ashley as a director and CEO was “the best solution” and it called for Mike Lennon, a partner at restructuring firm Kroll, to be installed on the board.
Mr Ashley’s public intervention comes after months of jostling behind the scenes.
The tycoon is thought to be particularly keen to gain control of Debenhams, which he tried to buy out of bankruptcy in 2020 — before Boohoo beat him to it.
Boohoo is likely to resist Mr Ashley’s demands and raise conflict of interest concerns, due to Frasers’ ownership of House Of Frasers.
In a terse statement, the retailer said yesterday: “The board is reviewing the content and validity of the requisitions with its advisers. A further announcement will be made in due course.”
Business analysis
MIKE Ashley is not one for the quiet life.
His motive for putting so much of Frasers Group cash into Boohoo initially appeared to be point-scoring against founder Mahmud Kamani.
Ashley, who has taken stakes in high street names like he’s placing bets at the Grand National, still reckons Kamani did him over in the battle to buy Debenhams.
So purchasing Boohoo shares on the cheap was like rubbing salt in Kamani’s wound that the retailer’s star had fallen.
A winning scenario for him now will be either he is installed in Boohoo and manages to sort out the company while making some cash thanks to an improved share price.
Or, Boohoo crumples and his score with Kamani will have been settled.
To Mike Ashley, retail is now almost a sport.
Odey rejoins firm
HEDGE fund manager Crispin Odey has rejoined the eponymous firm he founded after leaving last year in the wake of sexual misconduct allegations.
The tycoon made millions betting against the UK economy during Brexit — but his empire unravelled when the Financial Times reported complaints from several women of sexual harassment and assault.
Mr Odey was reappointed as a director of Odey Asset Management in late September, according to Companies House filings.
On the same day, nine partners resigned.
Barclays boosted
PROFITS at Barclays have risen by nearly a fifth as fewer people fall behind on debts.
Barclays is putting £82million aside for bad loans, a big drop from £267million last year.
The bank said that was due to “low delinquencies in UK cards, high-quality mortgage lending and the improved macroeconomic portfolio”.
Pre-tax profit was £2.2billion between July and September, up from £1.9billion last year.
Net interest income, the gap between borrower and saver charges, was £1.7billion.
Cost cutting and deals also helped.
Octopus bulb pay
OCTOPUS ENERGY says the Government has made £1.5billion from its rescue of bust energy supplier Bulb.
The windfall has been largely helped by falling wholesale energy prices.
Two years ago the Office for Budget Responsibility warned a bailout would cost taxpayers £6.5billion.
Octopus said it has paid over £3billion to the Government, which took Bulb into special administration.
The firm has overtaken British Gas as the biggest UK electricity supplier.
Magnum force at Unilever
UNILEVER has toasted its best growth in three and a half years as the Marmite to Magnum manufacturer’s turnaround takes shape.
Boss Hein Schumacher said his plan, which cuts 7,500 jobs, focuses on “doing fewer things, better”.
Underlying sales grew 4.5 per cent in the fourth quarter.
Investors were cheered by the fact the consumer goods giant is finally selling more goods, rather than just relying on endless price hikes.
Mr Schumacher said plans were on track to next year spin-off the £15billion ice cream wing, which includes Magnums — as promoted by Iggy Pop — Cornettos and Ben & Jerry’s.
A stock market listing is the preferred option, and there will be a tussle between London and Amsterdam to be the venue for the float.
The ice cream unit grew sales 9.8 per cent in the last quarter, faster than any other division.
Stocks shake-up
A PROTEIN shake business that counts Coleen Rooney as an investor went public yesterday in a rare London stock market listing.
Applied Nutrition was valued at £350million after listing its shares at 140p, nearer the bottom of its price range.
It is one of the biggest stock listings of 2024 as the number of firms floating has fallen by 85 per cent to just nine this year, said Dealogic data.
The supplements firm’s founder Thomas Ryder said: “This positions us ideally for our next step of development.”
Dunelm’s booming
DUNELM has reported a 3.5 per cent rise in sales to £403million in the last quarter despite “volatile trading conditions”.
The home furnishings retailer said it had a boost from younger online customers after launching a student discount campaign.
The budget blues
CONSUMER and business confidence is falling ahead of the Budget, according to a trio of closely followed studies.
The GFK consumer index has fallen to its lowest level since March, dragged down by worries about the wider economic situation.
GfK’s Neil Bellamy said: “Consumers are in a despondent mood.”
Meanwhile, a consumer sentiment survey by PWC recorded the biggest quarterly drop since Spring 2022.
And the CBI said manufacturers’ confidence had dropped due to a slowdown in new orders.
Money
The Sun’s top team of experts answer your Winter Fuel questions
THE SUN’S top team of experts are still helping people with their Winter Fuel questions – but here we’ve put together a rundown of readers’ most frequent queries.
Q: IF I already receive Pension Credit, will I get the Winter Fuel Payment this year?
A: Yes – if you are in receipt of Pension Credit, the Winter Fuel Payment is made automatically.
Most payments arrive in November or December.
You should receive a letter telling you how much you’ll get and which bank account it is being paid into.
If you don’t get a letter, or the money has not been paid in by January 29, contact the Winter Fuel Payment helpline on 0800 731 0160.
Q: I AM receiving Pension Credit. How do I get cheaper water?
A: If you have a water meter and claim certain benefits, including Pension Credit, you may be eligible for the WaterSure scheme.
It would mean your water bills are capped at a lower rate.
Speak to your water company to ask for help.
Q: HOW do I get a cheaper council tax rate? I am on Pension Credit.
A: You may be able to get a discount depending on what version of Pension Credit you receive.
If you get the guaranteed element, then you will be entitled to the maximum discount.
If you get the savings element, then the discount will be lower.
You need to speak to your council directly.
Q: I ALREADY receive Pension Credit. How do I get a free TV licence?
A: You can apply for a free TV licence if you are over 75 and receive Pension Credit.
Q: WHAT energy bill help does Pension Credit entitle me to?
A: You may be eligible for the £150 Warm Home Discount if you get the guaranteed element of Pension Credit.
Your energy firm may also be able to offer you a grant to help pay for energy.
You should call them and ask for help.
Q: IF my income is over the Pension Credit threshold, could I still get the benefit?
A: Potentially, yes. You may still be able to get Pension Credit if you receive other benefits, such as Disability Living Allowance, Attendance Allowance or PIP.
You may also be eligible if you have high housing costs, such as service fees.
But the rules are very complex.
You should do a comprehensive benefits check through Age UK.
Q: DO other benefits count as income when it comes to qualifying for Pension Credit?
A: Some do. State Pension and Industrial Injuries benefit are taken into account (i.e. they reduce entitlement to Pension Credit).
Other benefits – disability benefits such as Attendance Allowance – are disregarded, but can mean in some cases that you can get more Pension Credit.
Q: I’M struggling with my energy bill but not eligible for Pension Credit. Can I get help?
A: Speak to your supplier as many have funds for customers who are struggling or on low incomes.
If you are not on a fixed tariff, it may be worth considering one.
Compare tariffs using uswitch.com or moneysavingexpert.com.
Q: CAN I claim Pension Credit individually if I live with a partner, when I’m eligible based on my own sole income?
A: For Pension Credit claims, if you are single then you claim as a single person.
If you have a partner with whom you share a home then one of you must claim and provide details of your partner.
The combined household income is then assessed.
Both of you need to be over State Pension age.
However, you may be eligible to claim Universal Credit instead.
Q: IF I apply for Pension Credit now, will I get the Winter Fuel Payment?
A: Pension Credit claims can be backdated, if you request it, by up to three months – so you have until December 21 to apply.
This is because you need to be claiming the benefit in the qualifying week of September 16-22, 2024.
Q: HOW can you check if you are eligible for Pension Credit?
A: To apply, phone the DWP on 0800 99 1234 or visit www.gov.uk/pensioncredit/how-to-claim.
Money
Pay rise for millions of grandparents as state pension and benefits set to increase next year – how much will you get?
MILLIONS of grandparents are in line for a pay boost next year which could see them hundreds of pounds better off.
The state pension increases every year in order to keep pace with the rising cost of day-to-day items such as food and household bills.
It is set to rise by 4.1% from next April, under what is known as the triple lock guarantee.
This system puts up the state pension rate in line with whatever is highest of wages for May to July, 2.5% or September’s inflation figures.
Employee wages grew by 4.1% in the three months to July, while the UK’s rate of inflation was 1.7% in September.
This means that the State Pension will increase from £221.20 a week to £230.30.
And a yearly rise from £11,502 to £11,975 – a £473 increase.
Only those who receive the full new state pension will get this amount.
How much an individual will get depends on their national insurance record and the number of qualifying years they have.
You need 35 years of national insurance contributions to qualify for the full state pension.
Caring for children or providing care may also give you equivalent credits which count towards your national insurance record.
Older pensioners who reached age 66, the state pension age, before April 2016 will get a weekly rise from £169.50 to £176.45.
Over the course of a year this would take their income from £8,814 to £9,175.40 a year.
These increases are expected to be confirmed by the Chancellor in her Autumn Statement.
Retirees on certain benefits such as Pension Credit and Attendance Allowance will also see their income boosted.
How does the state pension work?
AT the moment the current state pension is paid to both men and women from age 66 – but it’s due to rise to 67 by 2028 and 68 by 2046.
The state pension is a recurring payment from the government most Brits start getting when they reach State Pension age.
But not everyone gets the same amount, and you are awarded depending on your National Insurance record.
For most pensioners, it forms only part of their retirement income, as they could have other pots from a workplace pension, earning and savings.
The new state pension is based on people’s National Insurance records.
Workers must have 35 qualifying years of National Insurance to get the maximum amount of the new state pension.
You earn National Insurance qualifying years through work, or by getting credits, for instance when you are looking after children and claiming child benefit.
If you have gaps, you can top up your record by paying in voluntary National Insurance contributions.
To get the old, full basic state pension, you will need 30 years of contributions or credits.
You will need at least 10 years on your NI record to get any state pension.
The increase will be different for each one.
Here we explain how it will work.
Pension Credit
Retirees who are on a low income can see it boosted via Pension Credit.
The benefit is also set to rise in line with July’s wage data at 4.1%.
Pension Credit is set to rise from up to £218.15 a week to £227.09 if you are single or from £332.95 to £346.60 for couples.
To be eligible for Pension Credit your income must be lower than these thresholds.
You could also get the “Savings Credit” element of Pension Credit if you meet both of the following criteria:
- You reached State Pension age before 6 April 2016
- You saved some money for retirement, for example through a personal or workplace pension.
At the moment you will get up to £17.01 a week if you are single but this could rise to £17.69 from April.
Meanwhile, couples currently get up to £19.04 a week but this could be boosted to £19.82 from next year.
The exact rise will be confirmed by the Government next week.
You may also be able to get a top-up amount if you are caring for someone else or you are disabled.
You can apply online through the government website if you have already completed a claim or your State Pension.
To do so you will need your national insurance number, information about your income, savings and investments and bank account details.
Alternatively you can apply by phone by calling the Pension Credit claim line on 0800 99 1234.
Another option is to apply by post.
To do so you will need to print out and fill in the Pension Credit claim form or call the Pension Credit claim line to request a form.
Send it to: Freepost DWP Pensions Service 3.
Attendance Allowance
Attendance Allowance helps with extra costs if you are above the state pension age and have a disability severe enough that you need someone to help look after you.
To get the benefit you must have reached the state pension age and meet the following criteria:
- Have a physical disability (including sensory disability, such as blindness), a mental disability (including learning difficulties) or both
- Your disability is severe enough that you need help caring for yourself or someone to supervise you
- You have needed that help for at least six months
- Have been in Great Britain for at least two of the last three years
- Be habitually resident in the UK, Isle of Man or the Channel Islands
You cannot get Attendance Allowance if you live in a care home and your care is paid for by your local authority.
But you can still claim Attendance Allowance if you pay for all of your care home costs yourself.
Attendance Allowance is paid at two different rates and how much you can get depends on the level of care that you need due to your disability.
The lower rate is currently worth £72.65 a week.
From next April the payments may rise to £75.63 – an increase of £2.98.
The higher rate is worth £108.55 a week and could rise to £113 – a boost of £4.45.
You can apply for Attendance All online or by post.
You will need your national insurance number, address, contact details, details of your health condition or disability and information about your GP surgery or medical centre.
To apply by post you will need to download the Attendance Allowance claim form from the Government website or contact the helpline to request a claim form.
Send the completed form to: Freepost, DWP Attendance Allowance.
If you think you are eligible then it is worth applying as you could also get other benefits such as extra Pension Credit, Housing Benefit or a Council Tax Reduction.
If you need help completing the form then contact your local Citizens Advice.
How do I claim the state pension?
The state pension is not paid automatically – you must claim it once you are eligible.
You should get a letter no later than two months before you reach state pension age, which will explain what you need to do.
You can find out more information on the Gov.uk website.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
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