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Consumer groups are urging people to shop around, claim everything they are entitled to, and cut back where possible.

Colin Smith: Do we simply have to accept water bill increases because we can't shop around?

But there are things you can do to keep your costs down, even though you can't shop around.

He issued advice to those who may be struggling with finances, urging them to "shop around".

"Shop around for better deals, and haggle with your existing provider," says Alice Haine, from professional services group Evelyn Partners.