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The government is considering paying families to help them offset the rising cost of gas bills and to incentivise a switch to green heating.

The potential scheme, first reported in The Times newspaper and confirmed by Sky News, means that the amount paid would remain the same even if a homeowner reduced their gas bills by more effectively insulating their homes, or installing a heat pump, allowing them to keep the difference.

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The idea is modelled on a Canadian policy in which the first adult in the household receives an annual payment of approximately £129, with other individuals in the home receiving smaller amounts.

It would be paid for by a new carbon tax.

Alongside the annual payment policy, the government is also considering a scheme to help people scrap their gas boilers as well as putting extra money into the proposed clean heat grant, which would help people pay for low carbon heat systems like heat pumps.

The prime minister’s spokesperson said: “Any measures that we introduce will need to be fair for consumers and represent good value for money. But no decisions have been taken on the targeted measures, we will take.

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“But I would also point back to what the prime minister said at the liaison committee earlier this week, he said that this government is determined to keep bills low, and that is a priority.

“The only way to do that is to build the markets in a very systematic way to make sure that we have the technology and make sure that it’s affordable.”

The way we heat our homes accounts for 15% of the UK’s carbon emissions.

There are around 19 million houses in the country that need to be better insulated and switched to greener heating methods if the government is to hit its pledge on net-zero carbon emissions by 2050.

But the government has yet to publish detailed policy on how this will be achieved, and how much of the cost homeowners will be expected to bear.

It is a huge, complicated problem to solve, something that the prime minister acknowledged himself at a recent liaison committee hearing.

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Boris Johnson told MPs: “This is something that is very difficult to pull off because what we need to do is to ensure that we are able to heat people’s homes and provide them with power in an affordable way whilst also reducing CO2.

“What we can’t have is a situation in which ordinary homeowners… are suddenly faced with an unexpected and unreasonable cost.

“We have got to make sure that when we embark on this programme that we have a solution that is affordable and that works for people.”

The Climate Change Committee, which is an independent government advisory body, has already warned the UK lacks the policy to make good on its pledges.

It noted that this is a particular issue ahead of the COP26 climate summit in Glasgow in November, where the UK government will urge other countries to make more ambitious plans to tackle global warming.

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UK to launch an Online Fraud Charter with 11 major tech companies including TikTok, Snapchat and YouTube




 UK to launch an Online Fraud Charter with 11 major tech companies including TikTok, Snapchat and YouTube

The UK is to launch an Online Fraud Charter with 11 major tech companies in a “world-first” initiative to combat scams, fake adverts and romance fraud.

Home Secretary James Cleverly will host representatives from several leading tech companies – including Facebook, TikTok, Snapchat and YouTube – to sign the pledge to tackle internet fraud on Thursday.

Other firms signing the voluntary agreement include Amazon, eBay, Google, Instagram, LinkedIn, Match Group and Microsoft.

The charter will call on the firms to introduce a number of measures to better protect users, including verifying new advertisers and promptly removing fraudulent content.

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There will also be increased levels of verification on peer-to-peer marketplaces and people using online dating services.

The companies will pledge to implement the measures which apply to their services within six months.

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James Cleverly leaves 10 Downing Street after attending a cabinet meeting 
James Cleverly Pic:AP

It will be backed by a crackdown on illegal adverts and promotions for age-restricted products such as alcohol or gambling which target children.

These steps will be detailed in an action plan published by the Online Advertising Taskforce.

Mr Cleverly, who will announce the charter at Lancaster House, said: “The Online Fraud Charter is a big step forward in our efforts to protect the public from sophisticated, adaptable and highly organised criminals.

“An agreement of this kind has never been done on this scale before and I am exceptionally pleased to see tech firms working with us to turn the tide against fraudsters.

“Our work does not end here – I will continue to ensure we collaborate across government, and with law enforcement and the private sector, to ensure everyone in the UK is better protected from fraud.”

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Each of the tech firms will pledge to work closely with law enforcement including creating direct routes to report suspicious activity.

The government highlighted that fraud accounts for about 40% of all crime in England and Wales, with data from UK Finance showing that almost 80% of authorised pushed payment fraud originating from social media or fake websites.

The news comes as cyber security experts warn that the rise of generative AI tools such as ChatGPT is helping cybercriminals create more convincing and sophisticated scams.

As ChatGPT marks the first anniversary of its launch to the public, a number of experts have said the technology is being leveraged by bad actors online.

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They warn that generative AI tools for text and image creation are making it easier for criminals to create convincing scams, but also that AI is being used to help boost cyber defences.

At the UK’s AI Safety Summit earlier this month, the threat of more sophisticated cyber attacks powered by AI was highlighted as a key risk going forward, with world leaders agreeing to work together on the issue.

The UK’s National Cyber Security Centre (NCSC) has also highlighted the use of AI to create and spread disinformation as a key threat in years to come, especially around elections.

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Citizens Advice survey: One in four adults likely to turn to buy-now-pay-later schemes to afford Christmas




Citizens Advice survey: One in four adults likely to turn to buy-now-pay-later schemes to afford Christmas

More than half of parents with children in primary school are likely to use buy-now-pay-later (BNPL) schemes to afford Christmas, according to research from Citizens Advice.

Roughly 15.1 million people – more than one in four UK adults – also reported they’re likely to buy goods on credit using BNPL services to help with festive spending, a survey said.

The research showed just over one in five people who have taken credit using BNPL have missed a payment or paid late.

It comes as the independent, state-funded advice service recorded a 67% rise in people seeking help with BNPL debt in the 12 months to 31 October this year, compared to a year earlier.

The finding emerged from two surveys by Opinium, one of which polled 2,156 UK adults on the use of BNPL products and Christmas spending in the period 1-3 November and another of 2,132 UK adults who had purchased anything using a BNPL product in the last 12 months between 6 and 15 November.

Some 10% of surveyed BNPL users missed or made a late payment in the last year and were visited by an enforcement agency or bailiff as a result.

Nearly a third (29%) of users due to make a payment in the last month borrowed further to repay instalments, adding to a cycle of debt.

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Citizens Advice, MoneySavingExpert and Which? jointly urged the government recently to protect BNPL users

Citizens Advice has now called on ministers to enact BNPL regulation after legislation was shelved amid Whitehall concerns that it could curb the availability of low-interest products.

“Consumers are being failed and as a result could see a 2024 plagued with unmanageable debt, poor credit, and bailiffs knocking at their door,” said the Citizens Advice chief executive, Dame Clare Moriarty.

“The government must act on its almost three-year-old pledge and bring the BNPL market into line urgently.”

It follows research with similar findings from the Financial Conduct Authority (FCA).

Those frequently using BNPL were more likely to be in financial difficulty, the finance regulator said.

FCA figures showed roughly 14 million people used (BNPL) to purchase something in the six months to January 2023.

An HM Treasury spokesman said in response: “When used appropriately, buy-now-pay-later can be a useful, interest-free way for consumers to manage their finances.

“We must ensure that regulation of these products is proportionate to ensure borrowers are protected without unduly restricting access.

“We will publish a response to our recent consultation once it is finalised.”

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Cost of living: Shoppers ‘overcharged’ for branded goods including baby formula and baked beans, watchdog finds




Cost of living: Shoppers 'overcharged' for branded goods including baby formula and baked beans, watchdog finds

Suppliers of branded goods including baked beans and pet food have “pushed up prices by more than their costs”, according to the competition watchdog.

The Competition and Markets Authority (CMA) has been examining 10 product categories in a bid to see if shoppers, already struggling amid the continuing cost of living crisis, are being ripped off.

It said that while some increases were justified, to cover rising costs from elements such as energy and ingredients, there was clearly some profiteering.

“The evidence collected by the CMA indicates that, over the last two years, around three-quarters of branded suppliers in products such as infant formula, baked beans, mayonnaise, and pet food – have increased their unit profitability and, in doing so, have contributed to higher food price inflation“, the statement said.

It went to explain, however, that the shifts were likely to have backfired somewhat as shoppers had clearly switched to cheaper, supermarket own brand, alternatives in a bid to save cash.

The regulator will hope that the competition will help prices of branded goods come down.

But brands told the inquiry that when their costs started to fall they would offer promotions to customers, rather than cut the standard costs of their products.

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The CMA said that more study was needed, including in the baby formula sphere that has been the subject of work by Sky News and seen the World Health Organisation declare that families were being “exploited”.

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‘This cannot carry on’

However, it did find evidence of unjustified price increases and cited concern that two companies control 85% of the market.

The CMA also declared that it was going to review supermarket loyalty schemes in the next phase of its investigation.

Front and centre of that is the offering of promotions only to customers who sign up to their loyalty cards.

The regulator issued its update after previously finding that higher prices in stores were not the result of weak competition between supermarket chains.

The watchdog did, however, demand tighter rules over so-called unit pricing – costs per item covering versions of the same product – to bolster price transparency.

It also previously found that supermarket fuel operators had charged motorists an extra £900m in 2022 by raising their margins on both petrol and diesel sales.

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