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Page 9 of 23: material from 14 to 16 October 2026. UK news and guides for Russian speakers.
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Junior ISA: £9,000 a year tax-free, and the child gets it at 18
A children's savings account with no tax on the income. Anyone can pay in, the child takes control at 16 and can withdraw at 18, and you cannot hold one alongside a Child Trust Fund.
Immigration Health Surcharge: £1,035 a year, £776 for students, 10 days to top up
Almost everyone applying for a UK visa pays the immigration health surcharge. Here are the rates, how part-years are calculated, who is exempt and when you get a refund.
What to do this weekend, 17-18 October: the film festival's last days, new releases and free exhibitions
Sunday closes the 70th BFI London Film Festival, Street Fighter and Whalefall have reached cinemas, the British Museum has two free exhibitions open, and the Met Office expects a dry Saturday and a wet Sunday.
Lost your passport abroad: an emergency travel document costs £125 and takes two days
An emergency travel document is issued to British nationals abroad when the passport is gone and travel is due within six weeks. It costs £125 and usually covers one journey through up to five countries.
Universal Credit advance: same-day answer, 24 months to repay, 3-month deferral
The wait for a first Universal Credit payment can be bridged with an advance. The most you can get is your first estimated payment, you usually hear the same day, and it comes out of future payments.
Penalty points: 12 in three years and the court can ban you for six months
Endorsements stay on your DVLA record for 4 or 11 years. Twelve points in three years can mean a six-month ban, and a new driver loses the licence at six.
EPC explained: ratings A to G, valid 10 years, and fines for letting below E
An Energy Performance Certificate is required when you sell, let or build a home. It lasts 10 years, you can check one free online, and letting an F or G rated home in England and Wales is prohibited.
Right to Buy: a discount of up to 70% — but only £16,000 in most of London
A council tenant can buy their home at a 35–70% discount. But since 21 November 2024 the cash cap has been cut hard: £16,000 across most of London, £38,000 in the South East.
Overseas residents made an estimated 40.8 million visits to the UK in 2025, ONS says
Provisional figures released on 16 October estimate that overseas residents spent £29.8 billion during visits to the UK. This is not tourism-industry revenue, and visits are not the same as unique visitors.
Building control gets dearer in England: councils move to full cost recovery on 6 November
MHCLG Circular 05/2026 and SI 2026/1094 revoke the 2010 rules. The list of chargeable functions nearly doubles, the free first hour of advice stops being compulsory, and an application sent without payment is not validly made.
CMA examines Microsoft’s business software ecosystem: firms can respond by 13 November
The UK competition regulator has provisionally found that Microsoft’s business software ecosystem may warrant special oversight. Businesses and other interested parties can submit evidence by 5pm on 13 November. No new licence restrictions or changes have taken effect.
Ofsted pilots independent complaint reviews that can set aside a school's grades
Ofsted announced on 16 October a pilot Independent Complaints Review service. For the first time an independent body can judge whether a complaint outcome was fair and recommend that a published report card be set aside.
Short on rent: what replaced Discretionary Housing Payments in England on 1 April 2026
Since 1 April 2026 England has the Crisis and Resilience Fund instead of Discretionary Housing Payments. It does not affect your benefits, you apply through your council, and every council sets its own rules.
Gaps in your National Insurance record: £18.40 a week and only six years back
Gaps in a National Insurance record cut your future State Pension. Voluntary contributions can fill them, but only for the past six years and not always to your advantage. Here are the 2026/27 rules and rates.
Free UK GHIC: state healthcare in Europe and 15 working days for delivery
A UK GHIC is free, lasts up to five years and gives you state healthcare in the EEA on the same basis as a local resident. Here is who qualifies, what the card does not cover and what to do if it has not arrived.
Great British Railways HQ confirmed for Derby with 600 apprenticeship places
The government has named Becketwell in central Derby as the site of the Great British Railways headquarters, and confirmed up to 600 rail apprenticeship places for 16 to 21 year olds.
Subject access requests: getting your records, emails and CCTV
An organisation must give you a copy of the data it holds about you as soon as possible and within one month. Health records are quickest to check in the NHS App, and silence or refusal can be taken to the ICO.
Noise from neighbours: what the council must do and what the fines are
If noise amounts to a statutory nuisance under the Environmental Protection Act 1990, the council must investigate and serve an abatement notice. Breaching it brings fines of up to £5,000 for a home and £20,000 for a business.
Freedom of information requests: how to get data from a public body
Anyone can ask a public authority in writing to show recorded information it holds. The response deadline is 20 working days, most requests are free, and a refusal can be reviewed internally and then taken to the ICO.
Bailiffs at the door: what they cannot do and cannot take
Bailiffs must usually give 14 days' notice, you usually do not have to open the door, they cannot force entry or call between 9pm and 6am, and work tools worth under £1,350 are protected.
Brain cancer: government speeds up the route from lab to patient
On 14 October the Prime Minister set out four steps on brain cancer: an expert review reporting in three months, a national action plan, a dedicated clinical lead and an MHRA review of rare-disease medicine rules cut from three years to two.
SORN explained: taking a car off the road and getting your tax back
A SORN cancels your vehicle tax and refunds any full months left. But you cannot drive the car at all, including on the street outside your home, until you tax it again.
Boiler Upgrade Scheme: £7,500 for a heat pump and who is refused
The scheme pays £7,500 towards a heat pump, £5,000 towards a biomass boiler and £2,500 towards an air-to-air heat pump. Off the gas grid there is an extra £1,500 until March 2027.
Older person's bus pass: in England it starts at pension age, not 60
In England the pass starts at State Pension age. In London free travel starts at 60 but stops at the city boundary. In Wales, Scotland and Northern Ireland the threshold is 60.
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