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What caused the NS&I missing savings errors and what to do if you’re affected

The state-owned savings bank owes nearly £500m to bereaved family members due to a long-running administrative problemNS&I boss replaced as bank faces record payout over missing savingsNational Savings & Investment (NS&I) owes nearly £500m in missing payments to bereaved families after it emerged a long-running administrative problem had stopped them gaining access to their money. On Thursday, its chief executive, Dax Harkins, was forced out amid the scandal.Here’s what has gone wrong at the state-owned savings bank. Continue reading...

The Guardian 1 day ago

There are solutions to Britain’s energy crisis | Letters

Rob Stevens, Nick Robins and Craig Whiteman on building a resilient energy system for the country in light of the Iran war’s impact The Iran war has exposed the cost of successive governments’ fixation on short-term, vote-winning policies, leaving Britain increasingly vulnerable to strategic coercion, particularly in energy (The UK sleepwalked into this energy price shock, 23 March).British companies currently lead a new, technologically proven, job-creating industry which, had it been supported earlier, would have strengthened security of supply and reduced costs. It is tidal stream energy. Continue reading...

The Guardian 1 day ago

I’m losing my home through a no-fault eviction | Letter

One reader says the government has not done enough to protect tenants from section 21 notices despite years of assurancesRegarding your article on landlords issuing section 21 notices ahead of the upcoming ban on them (24 March), I am currently going through exactly this process. I am being forced out of my home through no fault of my own, after years of paying rent and doing everything expected of a “good” tenant. It turns out that being responsible is not protection, it is merely compliance before eviction.We have been told for years that no-fault evictions would be abolished. And yet here we are – a last-minute rush of notices, entirely predictable, entirely avoidable and entirely devastating for those of us on the receiving end. Continue reading...

The Guardian 1 day ago

Two salon owners wanted to go zero-waste. Could they do it and keep their business afloat?

Scisters Salon & Apothecary in the San Diego area is committed to sustainable beauty and going low-wasteThe first thing you notice when you walk into Scisters Salon & Apothecary is what isn’t there. No wall of glossy plastic bottles promising “repair” or “shine”. No sharp chemical tang or aerosol haze. The only trash can is a tiny basket that mostly collects coffee cups and gum wrappers clients bring from home.Instead, the shelves of this southern California salon are lined with large refill containers of shampoo and conditioner, houseplants dot the space, hair clippings are swept away for compost, and the air carries a trace of bergamot and vanilla. Continue reading...

The Guardian 1 day ago

Flights, fertilizer, mortgage rates: how the Iran war is raising more than just US gas prices

Oil is used to power the supply chain, from machines that manufacture a cellphone to diesel that powers a truckFertilizer. Phones and laptops. Flights. These are just some of the products made from or powered by crucial materials that ship through the strait of Hormuz, which still remains effectively closed due to the US-Israel war on Iran.As the war approaches its fifth week, global oil shortages are forcing countries to take severe measures to save their reserves as Iran continues to block oil shipments. Continue reading...

The Guardian 1 day ago

Marriage over, €100,000 down the drain: the AI users whose lives were wrecked by delusion

One minute, Dennis Biesma was playing with a chatbot; the next, he was convinced his sentient friend would make him a fortune. He’s just one of many people who lost control after an AI encounterTowards the end of 2024, Dennis Biesma decided to check out ChatGPT. The Amsterdam-based IT consultant had just ended a contract early. “I had some time, so I thought: let’s have a look at this new technology everyone is talking about,” he says. “Very quickly, I became fascinated.”Biesma has asked himself why he was vulnerable to what came next. He was nearing 50. His adult daughter had left home, his wife went out to work and, in his field, the shift since Covid to working from home had left him feeling “a little isolated”. He smoked a bit of cannabis some evenings to “chill”, but had done so for years with no ill effects. He had never experienced a mental illness. Yet within months of downloading ChatGPT, Biesma had sunk €100,000 (about £83,000) into a business startup based on a delusion, been hospitalised three times and tried to kill himself. Continue reading...

The Guardian 1 day ago

‘It dictated the whole atmosphere’: why some landlords are banning kids from pubs

Unruly behaviour, safety concerns and lost trade are forcing some landlords to act, but others argue pubs should remain for everyone“It was like the wild west. If you had an hour, I could talk you through so many scenarios,” says Egil Johansen, the landlord of the Kenton pub in Hackney, east London. He sounds exhausted just remembering them.Johansen is still shaken by the three-year-old who recently toddled behind the bar and tumbled down the cellar hatch while his parents sat, oblivious, in a different part of the pub. Continue reading...

The Guardian 1 day ago

‘It’s like having a friend everywhere you travel’: after 12 home exchanges, I’ll never book a hotel again

The Which? travel editor on the unexpected joys and considerable savings of house swapping. Plus top tips on how to do itImagine cutting the cost of accommodation on your next holiday to about £5 a day. You can have a whole house, rather than just a bedroom. And you can go almost anywhere in the world and stay as long as you like, within reason. Welcome to house swapping.You’re sceptical, I know. I was, too. Our terrace house was too small. Too overflowing with stuff. The 1980s kitchen was too old (and battered). We aren’t in a nice enough neighbourhood. Who would want to stay here? Lots of people, it turned out. Continue reading...

The Guardian 1 day ago

Is Cuba Trump’s next target? – podcast

The journalists Ruaridh Nicoll and Daniel Montero report from Havana as Cuba suffers from a devastating oil blockade imposed by the USWhen asked about Cuba by journalists last week, Donald Trump replied: ‘It may be a friendly takeover. It may not be a friendly takeover. It wouldn’t matter, because they’re really down to the fumes.’It was the only the latest in a series of increasingly belligerent statements from the White House about the island 90 miles off the Florida coast. Marco Rubio, the US secretary of state and a Cuban-American himself, openly threatens Cuba’s communist leadership. Trump says ‘I can do anything I want with it’. Continue reading...

The Guardian 2 days ago

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