For more than a year I have been trying to close my mother’s credit card account with the Co-operative Bank. She has dementia and my brother and I have power of attorney.

My friend opened a savings account for my son in 1994. The friend has since emigrated and we lost touch. My son is now 18, but is being refused access to the account.

I opened a two years saving bond with £30k. It was firstly issued in my husband's name - when I contacted them, it then issued it in our joint names. I want it solely in my name - can you help?

We received an annuity quote from Aviva which I accepted. However, it then changed the deal without consulting me first, meaning my annual pension sum is now lower.

Financial Mail has been flooded with letters from pensioners who have been told that Revenue & Customs failed to collect enough tax through Pay As You Earn. There has clearly been a structural failing over taxing pensions

My father passed away on June 16 last year. Since June 20, I have been attempting unsuccessfully to sort out his tax affairs with HM Revenue & Customs.

We invested £110k with Santander in two bonds - however, despite returning to the branch on several occasions, we still don't have the correct bonds.

You reported a 25-year endowment payout of £23,465 with Aviva on premiums of £50 a month. I took out a policy in 1988 saving £58.80 a month but this showed a current value of just £17,737. Why?

I upgraded from my iPhone 3GS to the iPhone 4S. Now my bills have jumped by £30 per month. I don’t use the phone any more than before. Have other users found the same?

I bought a Groupon offer that I tried to book but was unable to get hold of the company providing it, now it has told me the offer can't be fulfilled but Groupon is making it hard for me to get my money back.

I have lost my job and obviously hope to find a new one soon. Do I need to tell my mortgage lender I've been made redundant? Our expert explains.

I read your recent report about the high interest rates offered by the MYO Fund and EV Business, which you exposed as a rip-off. Does Luxor Alliance fall into the same category?

Nissan says the clutch has burned out after just 1,290 miles and my driving is to blame. It will not cover the repair, which would cost me £820, on its warranty.

We live in Spain and no longer have a permanent address in the UK. Is it possible to get a new Halifax credit card without a UK address?

I have got a stack of foreign coins at home that have built up over the years from my travels and even a few notes. Can I give them to charity?

Tony Hazell helps a Santander customer recovering from major surgery whose letters regarding his fixed-rate bond account were ignored.

'I would like you to report on an investment firm called Wine Asset Limited. I have heard nothing from them since I paid £5,000 for two cases of wine.'

I receive just over £20,000 a year from a company pension. I also have a personal pension fund, worth about £23,000. Can I take it as cash?

My daughter's job has taken her to Italy, but she has no faith in the Italian banks as a safe haven for her savings. Where can she save to earn interest with a trusted name?

I'm the sole director of my company. My financial adviser has suggested it would make sense for tax purposes for my future spouse to become a director - but what would happen if we split up in the future?

Every week, Tony Hetherington replies to readers' letters, adding comments, advice and the results of his enquiries.

In March my wife invested £35,000 in an account with Close Brothers. She was a non-taxpayer. Sadly, she passed away on August  6. Now, the HMRC have cancelled her non-taxpayer status.

Every week, Tony Hetherington replies to readers' letters, adding comments, advice and the results of his enquiries.

I was mis-sold payment protection by Lloyds and accepted an offer of compensation from them at the end of August. Months later I still haven’t received it. Can you help?