I work quite long hours and find the amount of time I watch television has dwindled. It means I rarely sit around watching 'filler' shows or anything live. I pay £6.99 for Netflix each month and find with my limited time, it has enough shows to keep me occupied when I need a TV fix. I also watch on-demand shows. Do I need a licence?
I put down a deposit to buy a house with my partner eight years ago. Now we have separated, is he entitled to half the equity? Could he force a sale?
We bought a house together eight years ago as 'joint tenants'. Unfortunately we did not make any documentation at the time about the large deposit I put down. Sadly we split up earlier this year and I have stayed in the house and continue to pay the mortgage. Is he entitled to half the equity in the house? Could he force a sale?
ASK TONY: My insurer rejected a claim because I am not living with my partner who is caring for her elderly parents
My partner and I were due to go on holiday to Madeira in May. In late April, my partner was abroad with her elderly parents, aged 91 and 85, for whom she is the primary carer. Her father hired a mobility scooter which was faulty and sent him flying down a steep hill, where it turned over. He suffered multiple injuries.
TONY HETHERINGTON: I paid £2,195 to have a will written then the law firm ceased trading... but its director had already set up another law firm
Our legal system has developed over hundreds of years, so you might expect that by now all loopholes would have been closed - but you would be wrong. Anyone can draft a will or a trust deed, with no qualifications or training. And if they go bust, taking clients' money with them, they can set up a new company the next day. Or even before the first one crashes in flames.
ASK TONY: KLM lost my son's luggage on a trip to Germany - but it won't pay for the new ski clothing that he had to buy
My 17-year-old son went on a skiing trip to Germany in February with the squadron of air cadets he belongs to in Aberdeen. He flew to Stuttgart with KLM but his luggage never arrived. The officer in charge of the group was then authorised by KLM to spend £400 on replacement clothes, including thermals etc so my son could ski. On his return I contacted KLM about a refund but, after months of emailing, it has refused to pay.
TONY HETHERINGTON: Halifax gave one of my daughters shares when it floated but not the other - what went wrong?
On the birth of each of my children, I opened Halifax savings accounts for them. When Halifax was floated on the stock market, account holders were given shares. However, now my daughters have grown up, I have found one account has been credited with dividends and the other has not, so one daughter is much better off. I tried researching who should have received shares, but I was unsuccessful.
ASK TONY: Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her affairs
My 90-year-old mother suffered a fall in April, was in hospital for several weeks and has deteriorated mentally. I registered the lasting power of attorney, which was already set up for me and my son. At first, Nationwide refused me access to my mother's money, even after I explained she was in a hospital bed with a chest infection and advancing Alzheimer's.
'Clever scam could have cost me my house and ended in bankruptcy': The phone fraudsters who can tap into your mortgage payments
A flaw in the banking system could have cost a reader his house and ended in bankruptcy. He was contacted by a bogus claims management company that said he had been overcharged on his mortgage. Crooks had registered a bogus internet address in the same name as a genuine claims company, except for a tiny difference in punctuation. The emails and documents he sent had been copied from the real firm's own website and even carried the genuine firm's address and phone number.
TONY HETHERINGTON: My investment in gold really has turned to dust
I joined Zen Gold, investing £100 per month. Of this, £25 was a membership fee, £25 was commission to the person who introduced me and £50 was for gold, to be stored by the company. I was then offered for £10,000, a directorship of the company, a guaranteed 24 per cent yield, and my money back after three years. I accepted.
ASK TONY: I asked for a block on my granddaughter's phone - and then ended up with a bill for £212
I asked Carphone Warehouse salesperson for the block to avoid excessive spending. After the bill arrived, his supervisor told me to contact Vodafone. This bill left me no money to pay for my groceries. I am a pensioner on a limited income and do not know how long it will take me to get back on my feet.
EXPERT ANSWERS BY SECTION
- MORTGAGES: Are you getting ripped off?
- SAVING & BANKING: Hold them to account
- INVESTING: Make money, avoid scams
- CREDIT & DEBT: Don't suffer in silence
- INSURANCE: Confused? Don't be
- PENSIONS: How to have a richer retirement
- HOUSEHOLD: Bills, shops, consumers
- TAX: Want to pay LESS tax? Find out how
- WORK: Your rights, your job, your life...
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- Barclays took weeks to pay back £850 it squirreled away from an account which I hadn't used for 15 months ASK TONY.
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ANSWERS FROM THE Experts
- ASK TONY: Barclays took weeks to pay back £850 it squirreled away from an account which I hadn't used for 15 months
- My home insurer says it's pushing up my premiums because of a new tax – is this legit?
- I find I'm watching more TV shows on Netflix and 'on-demand': Do I still need to pay £145.50 for a TV licence?
- I remarried after my first wife died. If I outlive my second wife, will my estate enjoy three nil rate bands upon my death?
- TONY HETHERINGTON: I gave my Rolex to Wayne Montgomery to sell it for me but he quit his offices and did not return my watch
- My father bequeathed £5k to each of our three daughters for when they turn 21: how should we invest it?
- 'Carphone Warehouse staff member wrongly said we lived at number 1 not 1A – now my daughter's iPhone has been blacklisted by EE'
- I've heard bad news about oil, gold and China recently, so is it time to shun or invest in commodities?
- ASK TONY: I've paid £28,000 for life cover on a plan I bought in 1985 – so why is it now worth only £2,000?
- My ex-wife ran up debts worth £20,000 in my name without my knowledge. What should I do?
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- How to get hold of an iPhone 6s without breaking the bank: Six ways to finance the latest smartphone - and just buying one may be best...
- As British households turn on the heating... Could you grab slice of £320m government pot to help pay electricity bills?
BEST CASHBACK CREDIT CARDS
Provider | Cashback |
Amex Platinum | to 5% | |
Santander 123 | to 3% | |
Lloyds | to 2% | |
RBS | 1% | |
Nationwide | 0.5% |
FIVE TOP CURRENT ACCOUNTS
Provider | Incentive |
First Direct | Free £150 | |
HSBC | Earn £240 | |
Nationwide | Travel cover | |
Santander | 3% cashback | |
Halifax | £5 a month |
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