• Experts

    TONY HETHERINGTON: I was cold called by a firm involved in expensive watches and then invested 6k how can I tell if it s a share scam?

    P. J. writes: I was cold called by Incrementum Funding about buying shares in Paragon Time Trading Ltd, a business involved in expensive watches that was to be listed on the AIM market according to salesman Spencer George.An impressive email set out returns and other details, and I invested 6,000. Is this a share scam?It might have been better to ask this before parting with your cash. This is a high risk investment, and there are huge question marks over the sales company.There are innocent businesses with similar names, so let me make clear that you were contacted by IFRC ...

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  • Experts

    A fraudster spent 700 worth of my Nectar points in Argos and the scheme still hasn't refunded me - does it have a scam problem?

    I saved more than 700 worth of Nectar points over the years through regular shopping at Sainsbury's and BP.However, I was shocked to discover that 144,000 points have been redeemed in Argos, Slough, at the beginning of July. I telephoned Nectar immediately as the transaction was not made by me and nor had the card gone missing. Nectar sap: My points have been spent in a Slough branch of Argos - but don't understand howI was promised a refund and given a reference number - however after three follow-up calls and continuous promises of reimbursement and call backs I still ...

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  • Experts

    My daughter and her cousins inherited 10k each in trust - can we tap the funds early to pay university fees?

    My daughter and her cousins are coming into some money from their uncle s will. We re not sure how much yet but it s at least 10,000 each.The will says the money must be held in trust until they are 21. I don t really understand what that means.We d like to invest some of the money and save some in cash. Do we really need to pay a solicitor to set up trusts? How does it work? And is there a way of using some of the money before they are 21 to pay for university?Can you explain ...

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  • Experts

    ASK TONY: ScottishPower sent three baffling bills for the same period and now wants 3,755

    I moved home in September 2014 and sent a new meter reading to energy supplier ScottishPower. I asked to be put on a monthly direct debit, but I heard nothing back.I kept phoning and sending updated meter readings but had no reply until June 24, 2015, when it finally wrote but did not mention a payment method.I received my first bill on November 5, 2015, more than a year after I had moved in. There was no prepayment meter in my home, yet the bill was based on a prepayment electricity tariff, which is particularly expensive.During August 2016, I received ...

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  • Experts

    Can we get broadband without signing a 12-month deal? We're only renting for three months while we renovate our home

    We have had to move to a rented flat for a few months while renovating our home.We hope it will only take three months to get the work finished, but what can we do about our broadband?Is there any way of getting broadband without signing up for 12 months or will we have to go without? Broadband: Most contracts will charge you a termination fee if you try to leave earlyEmma Gunn of This is Money replies: Most providers will let you move an existing contract to a new property if it offers the same service in your new location.So ...

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  • Experts

    Banned for 11 years... the 1m bogus investment cheat who confessed

    A Controversial businessman has been banned from acting as a company director after making a series of damning admissions about a scam investment firm he controlled.Brett Jolly, 56, is disqualified from running any British company for the next 11 years, beginning last Thursday. He confessed to investigators from the Insolvency Service that he allowed carbon credit investment firm Anglo Capital Partners Limited to trade 'with a lack of commercial probity'.Investors were told to expect returns of up to 25 per cent when the truth was that Jolly's company had already marked up the price of the carbon credits by as ...

    9029
  • Experts

    TONY HETHERINGTON: Firm tries turning on the heat, but we help snatch back 2,000

    MS L.R. writes: After several unsolicited calls, my parents were under the impression British Gas would be calling to provide advice on how to save on their energy bills. In fact they were visited by a salesman from National Heating Solutions Limited. He was in their home for three hours, selling a new heating system costing 10,000. Dad is not in good health and had to lie down, but the salesman told Mum that if a 2,000 deposit was not paid that day, the price would rise to 15,000, so she should disturb Dad to get his bank debit card. ...

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  • Experts

    Why is TalkTalk chasing me with debt collectors when I switched my broadband to Sky in April?

    Why am I being chased by TalkTalk debt collectors when I switched my broadband to Sky? asks Barry GatesI switched my broadband from TalkTalk to Sky in April this year but I've now started receiving letters and phone calls from a debt collection agency.This is because TalkTalk, my previous supplier, says I owe it 165 for line rental and contract payments over the past four months.But during this time I've been with Sky so I don't understand why I am being chased for this debt. I thought when you switched broadband providers you only needed to tell the new ...

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  • Experts

    DAN HYDE: British Airways can't get away with charging premium prices for a cheap service

    Holidays are meant to be a time when you can switch off completely from the stresses of the daily grind.But if Money Mail s postbag is anything to go by, many of those heading abroad are finding it s just adding to their anxieties.If you re not under siege from greedy car hire salesmen at the airport, you re left out of pocket for flights cancelled due to IT glitches or freak weather. Iconic: The flag carrier has left a string of disappointed passengers in it's wakeJust to make it worse, today we re told to expect four-hour delays as ...

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  • Experts

    Are shops allowed to refuse 50 notes even though they are legal tender? And will the BoE reduce worries over fakery by making them polymer?

    I recently visited a local haberdashery store and purchased some fabric material totalling 53.45. I attempted to pay with a 50 note and the rest in coins. However, the sales assistant refused it.I spoke to the manager who then informed me it isn't 'company policy' to accept them. It's not as if I was trying to pay a small bill of 5 or so that would have deprived them of all the cash change in the till as I understand the frustrations there. Don't they realise they're refusing legal tender? Refusal? On a recent trip to a shop, it refused ...

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  • Experts

    US Revenue won't refund tax from property sale because I'm a non-resident: TONY HETHERINGTON investigates

    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. J.F. writes: This is a cautionary tale of the risks of buying property in the US. My wife and I bought a holiday home in Florida in 2008 and in 2015 we decided to sell up. The property market had declined and we sold at a loss. The sale was completed in August 2015 and the conveyancing firm held back 10 per cent ...

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  • Experts

    I suspect my male colleague is paid more than I am for doing the same job: How do I go about forcing my employer to pay me the same salary?

    The BBC s recent pay disclosures revealed two thirds of its highest-paid stars are male and none of the top seven earners are female.As the revelation brings the issue of the gender pay gap back into the spotlight, we ask a lawyer what employees can do if they feel they are being paid less than a colleague who does the same job.Jane Crosby, who specialises in commercial litigation and employment law at law firm Hart Brown, says: If you think you are being paid less for doing the same as a colleague, the first thing to do is to try ...

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  • Experts

    ASK TONY: E.ON estimated my final bill far higher than it should have been but now they won't accept the correct meter readings

    I moved out of my previous property on April 3 and phoned E.ON the same day with electricity and gas readings so a final bill could be sent to me.When it arrived, the firm had used estimated readings which were far higher than the figures I supplied. I sent these back on April 13, asking for a correct bill. But it just sent me a final demand for the estimated amount.On April 29, I wrote to the managing director. To date, I have received no reply. I have phoned and written since, but still have received bills for only the ...

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  • Experts

    Can I open several of the same high interest paying current account to earn maximum interest on my savings?

    Many current accounts offer high interest rates on balances up to 3,000 or 5,000.Can I open several of these with the same bank to earn the maximum interest on my 10,000 savings?P. H., Norfolk. Savvy saving: Using multiple interest-paying accounts can earn help your pot beat inflationTony Hazell of Money Mail replies: Banks often allow you two of these high-interest current accounts as long as one is in joint names.So a couple, for example, could have three of the same account an individual one each plus a joint one.Or you could open several interest-bearing current accounts with different banks. Emma Gunn ...

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  • Experts

    ASK TONY: NS&I wouldn't help me trace 80 of Premium Bonds bought in 1977 despite the fact I'd just invested 25,000 with them

    I have been trying to trace 80 worth of old Premium Bonds bought in my name between 1977 and 1985.The background to this is that I bought 25,000 worth of bonds in September 2016 and asked for the old bonds to be linked to these.I wrote to National Savings & Investments on February 11, 2017, when I realised this had not happened, but received no reply. I wrote again on March 2 and have been trying since then to get the matter resolved, but without success.Mrs C. S., Cambridgeshire. Ignored: NS&I didn't want to know about one reader's missing premium ...

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quotes

Everyone went outside to smoke cloves and bitch about having to stay after for the State.

Jon Stewart on events following Charles — January 19, 1999