Question Time: Is it time to become a stoozer? I halved my car insurance by timing quotes! Rights if buying secondhand?

Martin Lewis (0:01)

Can you do Sad Fart for me? What does Sad Fart stand for?

David (0:04)

I knew you were going to ask me this, I should have written it.

Martin Lewis (0:05)

You should have. What a very interesting question.

Fran (0:08)

Everyone at work always takes the mick out of me for, what's Martin told you to do now?

Martin Lewis (0:13)

Very, very not good at change, Matthew.

Look at you, Dan. Hello and welcome to the cunningly named The Martin Lewis Podcast. I do wonder what that's going to be about. And this is our Question Time episode, where you are asquires. Extremely savvy questioners, don't you know? Get to ask me your questions on absolutely anything and everything within reason.

This week, if I haven't filled up my ICER last year, can I add the remainder now? Are my rights different if I buy second hand goods and they turn out to be faulty? My bank's done a strange thing. Can you work out why? Well, we'll see, won't we? Then Fran gets on the line. She's become a huge money-saving convert and saved thousands. She tells us about that, but wants to know, is it time to step up and become a stoozer, where you make money from 0% debt? Or should she stick to paying off her cards in full? And finally, a sweet spot car insurance success. She halved her cost by getting her quotes at exactly the right time. Oh, it's almost too exciting. Play the theme tune.

Hello, and welcome to our Question Time Podcast, where you get to ask me questions on anything and everything, all set together, open brackets within reason, close brackets, and joining me, of course, who else could it be?

The custodian of questions himself, yes, the COQ. I haven't said that for a while. No, you haven't. I haven't, but there we go. It is Professor Dr Sir Matthew Burnham Esquire. And of course, for regular listeners, you'll know that all of those titles are completely legitimate within the canon of the podcast, but not outside. However, Matthew, before we go anywhere, I have had an official request to doc you one of your titles. Before I tell you why, which title would you lose, the Professor Sir Doctor or the Esquire?

Matthew Burnham (2:25)

I would lose the Professor.

Martin Lewis (2:29)

So you'd be Sir Dr Matthew Burnham Esquire? Yes. Okay. And this is because she must be obeyed.

GDPR. GDPR, Google Docs professional Rosie, who is here live fact-tracking. I'm actually doubling up today because I've got Isabel who is soon going to be taking over from GDPR. They're both in the room today, so it is like a powerhouse. I mean, the intellect is flowing off them. You can see waves in the air coming off the mega brains that I've got in the rooms with me. It's like, I think almost like a sheen of color has changed. But GDPR wasn't here last week. And last week you said she had deleted all of the funny questions, and you blamed her.

Matthew Burnham (3:09)

Yes, because she had.

Martin Lewis (3:10)

And she is not happy, because she says she only deleted the questions that had been rejected.

And this is her argument. And amid the super brain waves, and the blue that's flowing out in the colors, there's a little bit of red, of array and anger. So she has requested that you lose a title this week. I'm not gonna re-record the intro, but I am now from this point on, and I'm gonna refer to you as Sir Doctor Matthew Burnham Esquire. Because I'll be honest, if I have to choose between annoying one of the two of you, I'm annoying you.

Matthew Burnham (3:45)

So you're gonna annoy the person who's up in Manchester and cannot actually do anything about it, rather than the person who's sat next to you.

Martin Lewis (3:51)

Yeah, but you know, Rosie's the one who protects me with the sort of live fact-checking, she's got my back, and she's a bit scary at the moment.

She's laughing at that, she's laughing at that. But it's that sort of laugh that says, it's funny, but it's true. That's exactly where she's going at this point. How are you?

David (4:12)

You well?

Matthew Burnham (4:13)

Yeah, very good, thank you. Very happy to be on the podcast.

Martin Lewis (4:16)

Yes, it's nice, isn't it? We're all excited.

David (4:18)

It is.

Martin Lewis (4:18)

We should probably do some proper questions, shouldn't we?

Matthew Burnham (4:21)

Yeah, I've got some good ones for you.

Martin Lewis (4:22)

Let's do some. So what do you have for me?