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Personal Finance

Santander fails to make clear online account restrictions

Question: Early in 2011 we opened an eSaver account with Santander because of their good rate of interest for the first year. All transactions were to be done over the internet, with deposits between £1 and £2,000,000.

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Inside Personal Finance

Unexplained cancellation fee after a free Virgin Media trial

Monday, 30 January 2012

Question: I went into a Carphone Warehouse shop and requested a Vodafone micro SIM to use with my iPad, at a cost of £3 per month.
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Moth be a way to get rid of pests

Monday, 16 January 2012

I have a problem with clothes moths. I called Rentokil and was assured it would be eradicated with two sprays of insecticide. I paid for three. It persisted after four, so I had to pay £200 for a carpenter to lift the floorboards for Rentokil to spray under. But it's been a waste of time. The floorboards have gaps, I still have moths and am several hundred pounds down. MD
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Low-cost airline's policy on refunds is plane silly

Monday, 9 January 2012

Question: A group of us booked a flight with Flybe to travel to Leeds-Bradford Airport for a funeral of a close friend.
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Missed payments are a risk for occasional users of credit cards

Monday, 28 November 2011

Question: I have had several problems with Barclays this year, after more than 20 years of faultless banking. This summer I used my Co-operative Bank credit card for the first time for some months.
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I was given the runaround over my Aviva pension plan

Monday, 21 November 2011

Question: I have a Personal Pension Plan with Aviva that I want to activate. I have been made redundant from my teaching post and became 61 in February.
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Faulty meter bill an unfair shock

Monday, 7 November 2011

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Barclays unveils no-fee 10% deposit Woolwich mortgage deal

Wednesday, 26 October 2011

Barclays plans to roll out fee-free 90% mortgages from tomorrow.
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Back in credit again after fraudster tried to use details

Monday, 3 October 2011

Egg has reduced my credit limit from £9,200 to £2,100. When I queried this, I was told this would be because of my credit rating and that I should contact Experian to find out more. I subscribed to Experian and discovered that my credit rating was 999 and there were no adverse entries on my record. I then applied to Egg to have my credit limit raised to £5,000 and this was refused. JY
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Car parking was no laughing matter on Disneyland trip

Monday, 5 September 2011

We booked a holiday with Thomas Cook, travelling by car to Disneyland Paris for three nights, then staying in a Paris hotel - the Campanile at Bastille - for four days. Our local Thomas Cook branch booked the trip, including Eurotunnel.
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Was I ripped off for using internet on my mobile?

Monday, 29 August 2011

I am an engineering student on work placement. I am on a £20-a-month mobile phone plan with Three, entitling me to an internet allowance capped at 2GB. I moved house in April, forcing me to rely on the mobile as a wireless tether for wifi connections on my computer. But without me instructing it to do so, my phone shared the internet connection provided by my network operator with my computer.
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Helping put the sparkle back in Dr Pepper stock

Monday, 22 August 2011

On May 7 you published a question from a reader struggling with the administration of a stockholding in Dr Pepper Snapple Group which, as a US company, required a Medallion Signature Guarantee (MDS) for the stock to be transferred. I had a similar problem as executor of my wife's estate. She held stock in Dr Pepper Snapple consequent on the demerger of Schweppes from Cadbury Schweppes in 2008. I required an MDS to transfer the stock and then effect the sale. I found IWC Estate Management Ltd of Croydon, who quoted a fee of £295 plus VAT to obtain the MDS. The MDS box was stamped by HSBC Securities Inc. In June, I received a cheque in dollars. AW
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University of Ulster's Northern Ireland house price survey reveals rising sales and falling prices

Friday, 5 August 2011

Northern Ireland house sales are on the rise while prices continue to fall - dropping 2.4% during the second quarter of this year, a report has revealed.
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Ryanair coughed up cash after clash over ash cloud

Monday, 25 July 2011

I was booked to fly from Rome to Glasgow Prestwick on May 24 this year with my elderly parents on a Ryanair flight. Due to volcanic ash the flight was cancelled. We were instead put on a flight to Stansted, arriving at 00.10, and were left without assistance. We booked into a family room in the nearest airport hotel and went to the Ryanair desk the next morning. We were advised that Ryanair was unable to fly us back on the 25th. We were further advised that we could either stay another night in the hotel and fly home on the 26th, or make our own way home by taxi or hire car and claim from Ryanair, making sure all receipts were kept. I hired a car and drove home that day and then submitted a claim to Ryanair for the hotel accommodation, hire car and meal expenses, as requested. I have received payment for the hire car and meals, but not for the hotel. GF
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Budget gave me runaround over insurance problems

Monday, 11 July 2011

I was insured with Budget for buildings insurance for three years. In December last year I told them we were moving house and that I needed the insurance to be transferred from the date of exchange for our new house. My policy was duly amended by Budget.
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Problems splitting utility bills in shared properties

Monday, 4 July 2011

I lived in a shared house for two years until August 2010. None of us took overall responsibility for the bills, so we arranged with the electricity provider, Good Energy, to have four bills, for each person, or couple, living there.
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Car rental firm charged twice for a single period

Monday, 13 June 2011

Question: Hertz has charged me twice for a single period of car hire. I paid in full and six months in advance for 14 days' car hire at Funchal.
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Company admits errors over annuity payments

Monday, 16 May 2011

Question: I have a pension, the subject of a Section 32 Buyout, held by Aviva. This will mature soon.
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UK mortgage lending plunges by 60%

Wednesday, 4 May 2011

Mortgage lending dived by more than 60% during March as activity in the housing market remained subdued, figures showed today.
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Compensation delays add to Ryanair flight frustrations

Monday, 18 April 2011

Question: We flew to Malta in April last year with Ryanair. Our holiday was extended by five days as a result of the volcanic ash situation. Initially, Ryanair stated that it would not compensate passengers, but on April 22 it conceded that it would abide by EU regulations. We submitted our claim on April 30 for €980 (£880), supported by a letter and receipts. On May 5, we resubmitted the claim, conforming with the statement by Ryanair on its website specifying how claims should be made.
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Getting a healthy return from your medical cover

Monday, 28 March 2011

Question: I've paid into an Aviva permanent health insurance policy for 20 years. I've just found out that I would have been ineligible for any benefits had I made a claim.
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