Special deals for UK Consumers

Those looking for a mobile phone bargain way want to give 3's "Free calls forever" a look.

3 is letting users of selected mobile phones get free voice calls and instant messaging using the Skype network (with over 400 million users) talk to them all without paying for the call.

You can get the offer on around 20 handsets, including the Skypephone, INQ Facebook phone, the SonyEricsson C510, the Samsung Tocco Ultra and the Nokia E63 and N96. Offer's open to contract and pay-as-you go customers. Pick up a cheap pay-as-you-go handset for your free calls.

Full details at www.three.co.uk/skype

With BT Vision, you get a set-top box that lets you watch and record Freeview as well as get extra TV content downloaded via Broadband.

The box comes with storage for 80 hours of TV and access to loads of TV, movies and football matches.

BT Vision is available FREE to BT Total Broadband customers. More details at btvision.bt.com

BT Total Broadband packages come with free connection and hardware. BT is offering a free BT Home Hub for wireless connection and upcoming BT services. Speeds up to 8Mbps, and prices from £7.95 for the first three months.

BT Broadband was recently voted top by viewers of BBC Watchdog, and BT recently started offering free (0800) technical support calls.

See which package is right for you at www.bt.com/btbroadband

Looking for a free trial of the excellent DVD rental service from LoveFilm? They've got every UK DVD available to rent, they deliver direct to your door and there are no late fees. To get your trial, click on this special link: www.lovefilm.com/ffytn936r

Network Operator 3 has launched their 3 Skypephone. This is a standard 3G mobile that lets you make free Skype calls to other Skype users. The phone is also a mobile phone, with a good stack of features too: media player, 2 Meg camera, Internet, email and Bluetooth

Available free on contract, or under £40 on pay-as-you-go. Great for free calls over Skype to the 170 million Skype users around the world. FREE calls to anyone, anywhere at anytime. More details on 3's 3Skypephone page. There's a review of the handset at FileSaveAs.

In the UK today, your credit score has an increasing impact in getting a mortgage, loans and HP. If you have a low credit score, getting credit can be a major problem, and it's well worth checking your credit reports to see if there's anything wrong on your report.

You can get your report by contacting the major credit reference agencies (see our Be Safe page), but you can now get a free Experian credit report and a free trial of Experian's CreditExpert Monitoring Service.

Gas and Electricity prices are up in the air at the moment, and if you haven't already - this is the time to consider switching... A quick visit to Energy Helpline or uSwitch.com could be a good start - both of these sites offer an online calculator to let you know how much you'll have by switching gas and electricity suppliers. You could save up to £200 a year

Even if you're already switched away from your standard gas or electricity supplier, don't forget to check the calculator again, to make sure you're still making a saving.