SAINSBURY’S has discontinued a popular breakfast item, leaving shoppers devastated and paying more at the till.

Eagle-eyed customers have noticed the supermarket has axed its two-litre carton of orange juice.

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Confused shoppers took to X, formerly known as Twitter, to find out more.

One said: “Very simple question, why have you stopped selling 2L orange juice, forcing us to pay more for 2 x 1L?”

Sainsbury’s shoppers could previously pick up a large carton of the citrus-flavoured juice for £1.99.

But now, if they want a bigger serving, they have to purchase two one-litre cartons, priced at £1.19 each.

This works out at £2.38 for two litres of orange juice, a 38p increase compared to when they could buy it as a single item.

Sainsbury’s confirmed on social media that the product was no more and apologised for the inconvenience.

But one disgruntled shopper warned they would take their business to discounter Aldi.

They said: “Aldi sells [two-litre cartons], and this leaves me no alternative but to go to them.”

The discounter sells orange juice for £1.99, the same price as Sainsbury’s before it was discontinued.

The Sun has approached Sainsbury’s for comment.

It is not the only time the grocer has axed a popular drink from its shelves.

Earlier this year, Sainsbury’s waved goodbye to its full-sugar lemonade, disappointing customers.

The saccharine drink was one of the few left on the market which did not contain sweeteners and was red-rated for its high levels of sugar.

Customer Claire-Louise complained on X: “Not everyone can tolerate sweeteners and some people choose to avoid them. Very disappointing.”

A representative for Sainsbury’s said at the time: “We regularly review our ranges so that we dedicate space in our stores to the products which are most popular with our customers.”

Vanishing products

Grocers regularly pull items from shelves if they do not perform well or make way for new items.

M&S confirmed last month that it axed its Cocoa & Cherry Bircher pot.

The tub was a popular breakfast snack for many customers who like to eat on the go.

Meanwhile, we can reveal eight nostalgic foods that have disappeared from supermarket shelves over the years.

There is everything from Campbell’s soup to Caramac, and while we won’t know for sure if these loved snacks will ever return, it is worth keeping an eye out.

What is new at Sainsbury’s

Thankfully it is not all doom and gloom at Sainsbury’s.

The retailer has unveiled its Christmas range much to the delight of shoppers.

Some items are currently available to buy but a handful of festive meats and desserts will not land in stores until December.

The popular Sticky Toffee liqueur is back this Christmas, too, quickly becoming a family favourite last year.

Its slots for Christmas shopping delivery have also opened for all customers.

You can get a look at the full range by clicking the link here.

Why are products axed or recipes changed?

ANALYSIS by chief consumer reporter James Flanders.

Food and drinks makers have been known to tweak their recipes or axe items altogether.

They often say that this is down to the changing tastes of customers.

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There are several reasons why this could be done.

For example, government regulation, like the “sugar tax,” forces firms to change their recipes.

Some manufacturers might choose to tweak ingredients to cut costs.

They may opt for a cheaper alternative, especially when costs are rising to keep prices stable.

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For example, Tango Cherry disappeared from shelves in 2018.

It has recently returned after six years away but as a sugar-free version.

Fanta removed sweetener from its sugar-free alternative earlier this year.

Suntory tweaked the flavour of its flagship Lucozade Original and Orange energy drinks.

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While the amount of sugar in every bottle remains unchanged, the supplier swapped out the sweetener aspartame for sucralose.

Fintech provider Intelliflo has teamed up with estate planning firm Estgro to transform how advisers handle generational wealth planning.

The partnership will bridge the gap between financial and legal services, making estate planning and inheritance processes easier for both advisers and their clients.

It will allow Estgro, part of the Arken Group, to integrate its tools with the Intelliflo Office platform, pulling crucial client data and enriching it with comprehensive features like the “Estate Health Check.”

This combination allows financial advisers to provide tailored recommendations for wealth transfer and inheritance tax strategies.

Advisers can then refer clients digitally to their preferred legal suppliers—or select from Estgro’s accredited network—to complete the estate planning process.

Additionally, advisers can engage clients’ beneficiaries, fostering early discussions to protect family portfolios for future generations.

Intelliflo’s chief customer officer, UK & AU, Richard Wake, said “The integration with Estgro represents a significant advancement in our partner ecosystem. By bridging financial and legal services, we enable advisers to deliver holistic financial advice.

“Estgro’s innovative approach to using Intelliflo data for actionable estate planning recommendations is impressive, we encourage our users to explore the trial and simplify estate planning for their clients.”

Estgro co-founder and CEO, Dave Newick, emphasised the importance of timely estate planning.

He said: “Establishing the right estate structure is crucial for minimising tax and ensuring loved ones inherit the maximum possible.

“With the Great Wealth Transfer seeing £5.5trn set to pass between generations over the next 30 years, advisers must act now to protect significant assets from their portfolios.

“Our integration with intelliflo allows advisers to prioritise intergenerational wealth planning, safeguarding their clients’ legacies and their own business futures.”

Good morning and welcome to your Morning Briefing for Thursday 7 November 2024. To get this in your inbox every morning click here.

Finding the perfect-fit tech for your firm

As important as tech is, advisers often tell me how they don’t know where to start when it comes to picking a solution, writes Richard Harrison, chief executive of Sesame Bankhall Group.

The sheer number of options out there can be overwhelming and tech providers sometimes speak what can sound like a different language to the uninitiated.

While every firm has its own unique needs, there are basic principles that can help you navigate the noise and choose the right tools. Here’s how to simplify the process.

Intelliflo and Estgro team up to transform wealth planning

Fintech provider Intelliflo has teamed up with estate planning firm Estgro to transform how advisers handle generational wealth planning.

The partnership will bridge the gap between financial and legal services, making estate planning and inheritance processes easier for both advisers and their clients.

This combination allows financial advisers to provide tailored recommendations for wealth transfer and inheritance tax strategies.

Close Brothers and SEI sign platform tech deal

Close Brothers Asset Management (CBAM) and SEI have agreed a platform technology partnership.

The deal includes the adoption of SEI Wealth Platform and SEI Data Cloud, a fully integrated technology, data and operational outsourcing solution.

CBAM said the partnership marks a move to deliver its strategic objectives and to be the best place in the UK for wealth management professionals and their clients.

Quote Of The Day

Ironically, Trump’s supporters, who have blamed inflation for making them poorer under the Biden administration, might face further economic challenges.

–Lindsay James, investment strategist at Quilter Investors, comments on the results of the US election.

In Other News

Advanta Solutions Ltd has acquired City Financial Planning Limited, adding a further £800m of AUM under its stewardship.

The purchase of City Financial Planning, which has offices in both Bath and Exeter, is Advanta’s second acquisition in 2024 and its ninth in total.

City Financial Planning director Tim Quirke said: “Becoming part of the Advanta family enables us to continue to grow the business that has its origins almost 25 years ago when the current directors joined forces to create City Financial Planning.

“We have built up a base of fantastic clients, many of whom have become personal friends, making it essential for us to find the right company to partner with. We believe that Advanta is the right company for our clients and our staff.

“Knowing that Advanta shares the same values, professionalism and client service standards that we believe in, was a fundamental key to our decision.”

Craig Webster, CEO of Advanta, added: “We are delighted that City Financial Planning have decided to become part of the Advanta team and that the directors, advisers, their clients, and staff are joining us.

“City Financial Planning have built a fantastic reputation with their clients, and we look forward to working with them on the next phase of their journey.”

Advanta was assisted by Dow Schofield Watts and DLA Piper.

City analysts overwhelmingly predict Bank of England interest rate cut (Guardian)

Risk assets rally but bond market views Trump’s victory with caution (Financial Times)

Asia FX traders brace for risk of disappointment by Fed, China (Bloomberg)

Did You See?

Adviser Services Holdings (ASHL) has sold its national advice business – LYNC Wealth Management – to an affiliate of Seven Investment Management (7IM).

ASHL operates both an independent and restricted advice network, Sense and Lyncombe, with a combined £9bn of assets under advice and over 450 advisers.

In 2023, ASHL began acquiring financial advice firms under the LYNC Wealth Management umbrella, with the aim of offering an exit for advisers wishing to sell their business.

LYNC has bought seven nationwide firms that collectively manage £500m of assets under advice, with plans to acquire several more firms in the coming months.

LYNC will become an appointed representative of the ASHL-owned Lyncombe network.

EX-CONSTRUCTION worker Richard Holden had been chasing the Department for Work and Pensions (DWP) to approve his pension credit claim for almost a year when The Sun stepped in to help him.

The 75-year-old from Blackpool rang our Winter Fuel SOS hotline last month as he was concerned that he would miss out on this year’s winter fuel payment.

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Our expert team has been working tirelessly to assist readers following the government’s decision to axe the winter fuel benefit worth up to £300 for 10million pensioners.

Cuts made by Chancellor Rachel Reeves mean the payment is now limited to retirees on pension credit or those receiving certain other means-tested benefits.

More than 760,000 risk missing out if they don’t apply for pension credit before December 21.

Like millions of other state pensioners, Richard would’ve lost his payment this year.

The 75-year-old retired last year and now lives on his state pension, which amounts to £222.70 per week – just £2 above the threshold to qualify for pension credit.

However, because he also receives extra cash help through attendance allowance, benefit checks revealed that he’s could apply for pension credit.

His attendance allowance, worth £108.55 per week, has been a crucial aid in covering his increased living costs due to arthritis and type two diabetes.

Citizens Advice helped him initiate his pension credit claim back in November 2023, but by the end of October 2024, he was still yet to receive any payments.

He told The Sun: “I’ve only just retired last August and I’m having to cut costs everywhere I look.

“I’ve phoned the DWP ten times since December last year, and every single time, the agent has just fobbed me off and told me that they’d be in touch in 10 working days.

“The last call I made was back in September. It’s a total disgrace.”

The Sun contacted the DWP on Richard’s behalf and requested that his case be investigated.

Upon discovering that Richard was eligible for £75 per week in pension credit, the DWP processed his claim.

Since Richard had formally applied for pension credit in November 2023, the DWP also agreed to issue backdated payments totalling £3,787.33, covering the period from August 2023 to October 2024.

He received payments from August 2023 because new pension credit claims can be backdated by three months.

The remaining amount was issued to account for the fact that he had been eligible for the benefit but faced unnecessary delays in being informed of his eligibility.

Additionally, because Richard was found to be eligible for the benefit during the period when the Conservative government was issuing a £300 cost of living payment, he also received this amount.

A government spokesperson said: “We are sorry for the delay in confirming Mr Holden’s eligibility for pension credit.

“We have now issued payment for the pension credit owed backdated to August 2023, as well as a cost-of-living payment of £300.

“We have apologised to Mr Holden, and we will learn lessons from the service delays in this case.”

The Sun’s Winter Fuel S.O.S Campaign

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THE Sun’s Winter Fuel SOS Campaign is here to support households during these challenging times.

Due to government cutbacks, ten million pensioners are set to lose the £300 Winter Fuel Payment.

Since opening our phone lines to thousands of pensioners in October, we remain dedicated to providing tips and advice on how to stretch your finances further.

That’s why we have partnered with the poverty charity Turn2Us to launch a free benefits checker, helping you ensure that you are claiming all the benefits to which you are entitled.

Don’t miss our latest Sun Money coverage, which includes essential information on key deadlines, applying for support, and everything you need to know about Pension Credit.

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If you have a story to share or wish to get in touch with our team, please email us at money-sm@news.co.uk.

CHECK IF YOU QUALIFY

Pension credit tops up your weekly income to £218.15 if you are single or to £332.95 if you have a partner.

This is known as “guarantee credit”.

If your income is lower than this, you’re very likely to be eligible for the benefit.

However, if your income is slightly higher, you might still be eligible for pension credit if you have a disability, you care for someone, you have savings or you have housing costs.

You could get an extra £81.50 a week if you have a disability or claim any of the following:

• Attendance allowance
• The middle or highest rate from the care component of disability living allowance (DLA)
• The daily living component of personal independence payment (PIP)
• Armed forces independence payment
• The daily living component of adult disability payment (ADP) at the standard or enhanced rate.

You could get the “savings credit” part of pension credit if both of the following apply:

• You reached State Pension age before April 6, 2016
• You saved some money for retirement, for example, a personal or workplace pension

This part of pension credit is worth £17.01 for single people or £19.04 for couples.

Claims for pension credit also open doors to a number of freebies and discounts.

For example, pension credit claimants over 75 qualify for a free TV licence worth up to £169.50 a year.

Claims for the benefit also provide eligibility to £25 a week cold weather payments and the £150 warm home discount.

The deadline to apply for pension credit and qualify for this year’s winter fuel payment is December 21.

We have a guide on all the state pension freebies and discounts you can get.

How much is the winter fuel payment and how is it paid?

Payments last year were worth between £300 and £600, depending on your specific circumstances.

This is because the amount included a “Pensioner Cost of Living Payment” – between £150 and £300. 

This year, it will be worth £200 for eligible households or £300 for eligible households with someone aged over 80.

That means you could receive up to £300 in free cash depending on your circumstances.

Most payments are made automatically in November or December.

You’ll get a letter telling you:

• How much you’ll get
• Which bank account it will be paid into

If you do not get a letter or the money has not been paid into your account by January 29, 2025, you must contact the Winter Fuel Payment Centre on 0800 731 0160.

REVOLUT’s app is down leaving hundreds of customers complaining they are locked out of their accounts.

Hundreds of users have reported issues accessing the app, and many cannot transfer money.

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Problems started at around 7.30am this morning, according to Downdetector, which monitors outages.

Frustrated customers took to X (formerly Twitter) to share how they were being affected by the outage.

One customer said: “Revolut down, and I’m about to arrive in a foreign country with no access to funds.”

Another said: ” I can’t access my account or make any payments. Anyone else experiencing this?”

“The main app and the Revolut X app are both down, and so are both on a web browser.

“I can log in but can’t do anything else, not even report a problem,” said a third customer.

Revolut is an e-money institution that operates similarly to a bank, providing a range of comparable services to over 10million users.

Unlike traditional banks, Revolut is entirely branchless.

Instead, all transactions and account management are conducted online via the Revolut app on your smartphone.

Users can easily open an account and receive a payment card, available as a physical card sent by post, a virtual card on your phone, or both.

Additionally, the app allows you to send money abroad, save funds, and even buy and sell cryptocurrency and stocks.

Revolut was granted a bank licence in July 2024. However, it continues to operate as an e-money institution during its “mobilisation” period.

This means that, unlike traditional banks, your money is not protected by the Financial Services Compensation Scheme (FSCS).

So, if the bank were to go bust, your funds would be safeguarded up to £85,000.

However, any cash in one of Revolut’s savings “vaults” is held at a licenced bank, and this will be protected as that bank is part of the FSCS.

Can I claim compensation for the outage?

Banks and e-money firms don’t have to pay out compensation to customers if there has been a drop in service, unlike how telecom companies have to.

But if you have incurred costs due to service issues, you could likely get your money back.

For example, if a bill payment didn’t go through due to an outage and you’ve been charged a fee for missing it, you should be able to claim that money back.

If your credit rating has been affected by a service outage because you got a late payment fee after being unable to make a transaction, you should also keep a record of this.

If you spoke to anyone to try and resolve the problem, make a note of their name, and when you speak to them, roughly state what you discussed and what they advised you to do.

You can find out more details about how to complain on the bank’s website.

It is worth gathering evidence of your problems to formally complain to the bank or e-money institution directly.

For more information on how to lodge a complaint with Revolut, please visit revolut.com/legal/complaints-policy.

What happens if my bank or e-money firm refuses to compensate me?

If you’re unhappy with how Revolut dealt with your problem, contact the free Financial Ombudsman Service (FOS).

It is an independent body that will consider the evidence you present and make a fair decision about the action a bank should take.

The FOS can usually get involved 15 days after you’ve raised concerns with the bank.

In the case of an IT system outage at a bank, the FOS says any compensation depends on your circumstances and whether you lost out as a result.

If it thinks you did, it can tell the bank or e-money institution to reimburse any fees, charges, or fines you were hit with, for example, if you could not pay on a credit card bill or to your mortgage provider.

It could also tell a bank to pay you for any money you didn’t receive, such as interest, if you couldn’t pay money in.

If your credit score was affected, it may tell the bank to correct your credit file.

The FOS might also tell the bank to reimburse you for any extra costs you had to make, such as phone calls or trips to your local branch, and a payment for any inconvenience it caused.

To find out more, visit financial-ombudsman.org.uk.