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    TONY HETHERINGTON: Hand over my ID to a courier? I wouldn t give it to James Bond

    Tony Hetherington is Financial Mail on Sunday's ace investigator, fighting readers corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. Find out how to contact him below. T. S. writes: I usually ignore calls from phone numbers I do not recognise, but was expecting a call from Manchester so when one came, I answered it. To my horror, it was a cold call. The caller said they were from Pension Safe, working with the Government to conduct 12-month reviews of everyone s pension provision to ensure best value and maybe ...

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    ASK TONY: Virgin billed us 240 because it couldn't connect to our new home... now they've set a debt collection agency on us

    I have been a customer of Virgin Media for many years, but when we moved house in May 2014, it was unable to supply our new address.Virgin said we would be charged a 240 disconnection fee, even though it was not our fault. We couldn't afford this, but it set a debt collection agency on us and we were forced to pay initially 10 a month, then 5 a month, when our only income is the State pension. We paid each month without fail and now owe 25.Then we received a letter saying our April payment had not been received. ...

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    Help! My brother changed the locks at the home our late parents gave to both of us and has shut me out

    Over 20 years ago, my parents gave their home to both me and my brother and the title deeds were put into both our names.My mother has now passed away and my father is deceased. My question is what happens to the home now?As the deeds are in my brother's and my name, what happens with the selling of the property? Do we both have equal rights to agree on decisions to be made over the property?Also, do we both have equal rights to attend the property, as my brother has changed the locks to the doors, so blocking me ...

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    Why won't Vodafone let me top up my mobile? My phone is now useless as I can't make calls

    I have been denied access to my mobile phone since the beginning of the year. I am on pay-as-you-go and top up with vouchers, but in January I received a text saying I would get credit on my phone. I didn't understand and wrote to Vodafone to say I did not want this.Since then, I have been unable to make calls, my son has been unable to contact me and I have a message filling my screen saying: 'Emergency Only'. Essential: What ...

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    ASK TONY: A neighbour hit my car a year ago - but his insurance company Esure still hasn't repaired it

    My neighbour reversed into my car a year ago. His insurance company, Esure, accepted responsibility and I agreed to allow it to repair the car.Within a week, the garage was demanding 1,000 and threatening to make unrelated repairs. When I refused to pay, the car was returned with damage to the internal trim and the engine in a condition that was unfit to run.I didn't accept the car, and three months later the garage took back its courtesy car by deception, accused me of damaging it and stole my disabled badge.Esure eventually moved the car to another garage, which assessed ...

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  • Experts

    TONY HETHERINGTON: Elite? Hardly. Self-styled 'liquidator' of binary options firm lied, cheated and left you worse off

    Tony Hetherington is Financial Mail on Sunday's ace investigator, fighting readers corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. Find out how to contact him below. R.D. writes: Last year I invested with a binary options company called Bull Markets Solutions Limited (BMS), based in Mayfair, London.In November, with my account in profit and holding almost 11,000, I tried to withdraw my money but nothing was forthcoming. In December I received an email from a separate company, Elite Business Solutions Limited of Stoke-on-Trent, informing me BMS was in liquidation ...

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    ASK TONY: My daughter lent me 30,000 at 8% - I now owe her 85k and she's taken a legal charge against my home

    My daughter and her husband loaned me 30,000 several years ago so I could improve and carry out essential work to my home. I asked if they could reduce the interest rate, but they refused and this caused friction between us.I have noisy neighbours from hell and am desperate to move.A commercial lender has offered equity release at less than 4 per cent so I could pay them back, move home and have peace of mind in my remaining years. But my daughter refused to release the legal charges for me to pay them back. I'm at the end of ...

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    I sent some personal details over Facebook to a recruiter and am now worried I could be a victim of identity fraud, how can I check?

    I recently shared some of my personal information with someone I met on Facebook and I'm worried about my identity being stolen.The person was asking about a potential job vacancy and wanted me to send over my details so they could register me with a recruitment website. I sent over my name, date of birth, job, and address and I am now worried it was a scam and I may be a victim of identity fraud.Is there any way I can freeze my credit score to protect myself? Or if not what else can do to protect myself from my ...

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    ASK TONY: Extra Energy can't decide if I'm in debt or owed 100 after I tried to switch from British Gas

    In August 2015, I decided to switch from British Gas to Extra Energy.The email welcome letter had an attachment with the terms and conditions, but I could not open it because it had become corrupted.I twice emailed asking them to resend it, but heard nothing, so I decided to cancel and stay with British Gas.Extra Energy continued as though nothing had happened. It took me several months to cancel and then I received an email saying there would be a fee to do so. I received a bill for 97.56 on March 14, 2016.I contacted Ombudsman Services and was awarded ...

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  • Experts

    How much electricity does my smart meter use - and is it raising my bills by running 24/7?

    How much electricity do smart meters use/cost to run 24/7? I can't find this information anywhere.By email. With rising energy prices, I'm worried about the amount of electricity my smart meter uses Rebecca Rutt, of This is Money, replies: Energy providers are currently installing smart meters into homes across the country as part of a Government target for them to be in every eligible home by 2020.When installed the smart meter sends information directly to your energy provider about your ...

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    I've booked a holiday in August but my travel insurance expires in July, would I be covered if I had to cancel?

    I have an annual travel insurance policy that expires at the end of July but I'm going on holiday to Spain with my family for two weeks in August.Will we still be covered under the insurance if we need to cancel before our holiday date even though it technically will have expired by the time we go away?If not do we need to buy a separate insurance policy to provide extra cover? Am I covered for my August family ...

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    TONY HETHERINGTON: Why has my daughter been asked to pay 3,182 for an energy bill she doesn't owe?

    P.B. writes: My daughter is currently in remission from cancer. As you can imagine, when she received a notice from Tremark Associates of Leeds, referring to a debt of 3,182, she was distressed. I contacted Tremark and explained that while the debt is to Contract Natural Gas Limited, my daughter s gas supplier is British Gas, with no outstanding debt. Tremark said it had spoken to my daughter twice and she had agreed to pay off the debt.I am not surprised your daughter Ms JB was distressed. The letter from investigator and process server Tremark was headed Urgent Notice of ...

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    ASK TONY: Three mobile snatched 616 from my bank AFTER contract ended because I didn't use the right code

    I ended my mobile phone contract with Three in December 2015, giving notice in November. However, it has continued taking money from my account and I have now overpaid by 615.78.It says that because I did not use the optional PAC code (which allows customers to take their number when they move to a new supplier), this meant my line remained live.I was never told that if I chose not to use the PAC code, Three would continue charging 41 per month.I have been in touch with it several times without success.C. G., Middlesex. Three ...

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    ASK TONY: I've made 42 years of national insurance contributions - why can't I get a full state pension?

    Please can you explain why I can't get a full state pension? I have written to the National Insurance Contributions Department four times and they haven't answered my questions.They say I have 42 years of contributions and no payment is needed except for 2013 to 2015. These dates represent when I left a job after 20 years due to problems with my shoulder.I decided not to take sick benefits, but to retire, even though I do not hit state pension age until September 2021.When I rang the pensions office concerning these two years of missing NI contributions, they advised me ...

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