Tom Togher getsafeonline.org/ shopping-banking/ contactless-payments/ for more security advice.
If money is taken from your account without your permission, the Payment Services Regulations will mean that your bank refunds you, but for transactions made before you report a card lost or stolen, you will be liable for the first £50 – although if this happens ask the bank to waive this. Make sure that you note down somewhere safe, or store in your phone, your bank’s phone number for lost or stolen cards, it should be on the back of your card.
You don’t have to use contactless to pay – the choice is yours. You may still be issued with a card with a contactless facility.
If you would prefer not to have this, speak to your bank and see if they will issue you with a card without it, but this does depend on your bank.
It is always a good idea to check your bank statement regularly.
You can get more advice from us by phoning 0300 330 1153 Monday to Friday 10 – 4pm. WE don’t often talk about robins outside of winter but this is one bird that delights us all year round.
And I have had the pleasure of receiving a number of pictures of a young robin growing up on one of our nature reserves.
Of course robins are courageous birds and this little fellow definitely was not camera shy.
It posed for a number of photographers charting the first six months of its life
n one or two of the shots it definitely hadn’t combed its feathers and was looking dishevelled after coping with the wet and windy spring and summer we have suffered in the north west.
Robins are a territorial bird and this is why we see them so often.
They will approach humans and other birds informing us in no uncertain terms that: “This is my territory, now hop it!”
They will even fight with other robins to defend their manor and this would explain why you will only see one or two birds in your garden at any one time.
In fact, if a robin comes to your bird table it is probably going to be the same one or one of a pair, with a nest nearby.
During the breeding season a male will allow a female into its territory to build a nest but usually they are hopping around on their own.
Other ways to know a robin is in the area is by its loud territorial song.
It will sit on a prominent perch and let fly with clear and varied song.
I have been told that a robin’s repertoire of song increases as it gets older. There are also subtle differences between different robins of different ages.
The male robin also sings with more passion in a morning and during the mating season, when he is keeping rivals away from his lady friend. The robin is the UK’s most popular bird and one of the most widespread.
They will nest in odd places like plant pots, old ● wellies and shelves – ivy and other shrubs are their natural choice.
For those of you who don’t know robins are brown above with a white belly and a famously red breast.
Our young robin went from a mottled, spotty, golden brown with its red breast gradually appearing at the end of summer.
We must all appreciate robins in our gardens, they will sit on your spade awaiting your labour as you dig up worms for their lunch.
They will jump into a ruckus of sparrows and starlings, standing their ground as they feed on bird tables. I have always loved robins but watching one grow up week by week will stay in my thoughts for a long time. To support the work of the Wildlife Trust for Lancashire, . Manchester O and North Merseyside. Text WILD09 with the amount you want to donate to 70070. For more information about Cheshire Wildlife Trust call 01948 820728 or go to cheshirewildlifetrust. org.uk
The little robin last month