I'm a pensioner with a modest bank account held at Barclays. On August 10, I called at my branch to withdraw funds, but was shocked to be told there were none available. After about 15 minutes, the bank clerk told me she had traced the money and discovered the account had been closed because it hadn't been used for the past 15 months.

If my second wife predeceases me, does that mean that my estate will enjoy three nil rate bands upon my death - my first, second's wives as well as mine? And if I die first leaving everything to my second wife, when she dies, how many nil rate bands will her estate enjoy?

In September last year I gave my 18ct Rolex watch to Wayne Montgomery, of UK Time After Time, with instructions to sell it for me. We spoke on the phone after that, but later my calls went to a machine that played a message asking callers to email him. I have a receipt he signed, saying I might expect £4,000 to £4,500 from a sale, but now I cannot contact him at all, and I have found he quit his offices last February.

My father passed away last year and has left £5,000 for each of our three daughters to receive when they are aged 21 - currently they are 16, 14 and 10. How should we invest for them? Do we need to invest differently for the eldest and the youngest?

We bought a new phone for our daughter. However, because of an address mix-up it has now been 'blacklisted'. Both Carephone Warehouse nor EE has been able to fix the problem. The trouble started when a staff member at CW put our address down as number 1 instead of 1A. What can I do?

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I have a life cover plan with Old Mutual Wealth to pay out on the first death of my wife or myself. When I bought it on October 1, 1985, the premium was £15 per month with life cover of £27,757. Payments have risen to £165.27 per month. In July, I was told that if I wanted the same cover, I would have to increase my payments to £395.76.

Since my ex-wife left the marital home last year I have discovered a number of debts that she had accrued in my name without my knowledge. She offered to pay me £20 a month as she is on benefits but this stopped after a couple of payments. I am unable to get credit myself because of her action. What should I do?

I hired a removal company via the AnyVan website to move my £3,000 Yamaha U1 Piano. However, a fake one turned up and stole my piano. It is being investigated by the police. What else can I do?

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 bought a home insurance policy a few weeks ago. Today, I received an email warning to say the price will increase next month because of an increase in insurance premium tax laid out by the Government. Is this genuine and what exactly is IPT?

I fell out with my son from my first marriage some years ago. He refuses to reconcile with me, and now I want to cut him out of my will so I can leave the money to my daughter and two stepchildren. What can I do to make sure he doesn't have a claim?

I moved to St Vincent and the Grenadines in 1999 with my husband. We've had a Barclays account since 1966 and have my pension paid into it. Now, the bank is closing it. Can it do this?

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?

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.

It can be hard to know exactly what you are being charged for a media package - but total costs do not have to be displayed in the headline figure as long as they are made clear elsewhere, according to the advertising watchdog.

I booked a flight that cost £964.31 and was charged another £19.29 because I paid by credit card. Who is the cash going to and what on earth am I paying for? If I had paid by debit card, it would have been free - can it really be that much cheaper to process a debit card transaction?

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.

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.

We have a reasonable deposit and my husband now has a new job. However it is just a year since my husband was made bankrupt. Are we destined to rent now for the long term, or is there a lender that will offer us a mortgage? How long will we have a blot on our credit score?

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.

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.

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.

We have lived separately in our own homes for `` years because we both had children from previous relationships. Now we are planning to sell my house and live together in hers. How will CGT rules affect us? We have never declared to HMRC which is the main residence as there was no main residence.

When my father want into a nursing home, Virgin Media continued to take money out of his bank account for his TV, internet and home phone. He passed away in April, but Virgin still send him sales offers, even though we have asked them to take his name off the database.

How can we make some cash out of our suddenly bigger home to fund a dream trip for just the two of us? With the last of our teenagers off to university in September, we are officially child free and would like to take an extended holiday.

If my wife or I have to go into a nursing home, will the council acquire the value of our home? We are tenants in common - does that make a difference? What should we do to ensure that neither of us lose our home or our share of its value if they other has to go into a nursing home?

My 85-year-old mother decided to move her savings from Co-op Bank to the Post Office. Her Isa account transferred without problem, but the savings account still hasn't been opened, despite a cheque for £3,534.91 being paid in. She is unable to access this money.

After more than six years of rock bottom rates how would an interest rate rise later this year impact my investments? What do I need to know and is there anything I should be doing now to guard against any negative impact?

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.

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.