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Why did Lloyds Bank stop my cheque after 60 years of business? TONY HETHERINGTON investigates 

I am a partner in my family's farming business. We received a cheque for £23,256 for shares in Dairy Crest. But after it was deposited in the business account, Lloyds Bank rejected it.




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ASK TONY: Virgin Mobile made wrong call on phone bill when my partner died

I asked Virgin if it would cancel my partner's phone if I sent it back. It said I couldn't cancel until December 2018 as it was in my name, so I would have to continue to pay for the two phones.




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ASK TONY: Ryanair didn't see fit to pay up after my eye injury

My wife and I booked return flights from Luton to Tenerife with Ryanair for September. The cost was £369.24, plus £30 for reserved seats. On July 26 I was hit by a golf ball and suffered an eye injury.




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My son has £40,000 in student loan debt. How can I help him clear it?

My 22-year-old son graduated university last July and recently received his loan statement through the post. If I pay off the debt and he instead owes me the money what route could I go down?




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My late father left a plot of land in Florida but I'm struggling to claim it 

My sister and I are my late fathers executors and we have a UK grant of probate, however, this doesn't hold much weight in the US. What can we do?




my

Falkirk Council told me I must pay £14k for work on my £60k flat

Falkirk Council has decided to upgrade my block, there are four flats in the block and as I am the home owner it has been assessed that my share will be £14,000.




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My wealthy mother is remarrying. Should she get a prenup?

My wealthy mother is engaged to remarry and my siblings and I are worried that if it doesn't work out a large part of our inheritance might be at risk.




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ASK TONY: Why won't my 'new for old' policy pay out for my brand-new Jag?

I bought a new Jaguar for £60,000 in 2017. In May this year I was involved in an accident. The garage gave an initial estimate for repairs of £25,563, but said there were likely to be further costs.




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My vet pulled my dog's claw out during grooming and then charged me for surgery - what can I do?

I took my dog Oliver George to the vet to have his nails clipped - but during treatment, his dewclaw was pulled leaving him needing surgery.




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Can my mother continue to pay my children's school fees now I have power of attorney?

I have taken over the management of my mother's finances under a power of attorney which she granted.  She used to pay my children's school fees. Can I continue to make these payments?




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Should I cancel my high-interest credit cards I no longer use?

Whether you've got a bad credit history or no credit history to speak of at all, you might find you are forced into applying for credit cards with higher interest rates.




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Can I cancel my Sky direct debit as the bills are in my ex's name?

My ex moved out nine years ago but Sky refused to change the name of our TV and broadband account even though it changed the payment details. I am now moving. What can I do?




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Should I put my parent's address on a credit card application when I'm a student?

I've lived at multiple addresses over the past few years, but consider my parents' home my 'permanent address', even though I'm at university for six months of the year now. What should I enter?




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Why does having data turned on rinse the credit on my PAYG phone?

I bought a PAYG smartphone last week and have barely used it but I noticed that the credit has gone down. I read online it could be due to having my data switched on. Why is this?




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My landlord fixed my shower himself and has now removed it completely. Is this allowed?

My shower broke and my landlord decided to fix it himself rather than pay the plumber to do it. He has now completely removed the shower from the wall. Is he legally allowed to do this?




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TONY HETHERINGTON: Help! Revolut robots have £10,000 of my money!

I have an account with Revolut which lets me operate in both euros and sterling. On October 4, Revolut 'temporarily disabled' my account for unspecified 'security reasons'.




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How can I make sure my work pension is ethical and investing for good?

I have just started a new job and joined the company pension plan. I'd like to take a more active role but I don't know how to find out what I can and can't do and where I should go from there.




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Why was my £900 Help to Buy Isa bonus rejected?

In September my wife and I bought our first home together, neither of us having owned a property before. We both had a Help to Buy Isa with Barclays and each had the same value, £4,000.




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ASK TONY: My mobile caught fire in the car - but Samsung blames me!

My Samsung phone was only a year old when it spontaneously caught fire in the footwell of my car. I put it there after receiving a phone call, but as I drove off I noticed a strange smell.




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TONY HETHERINGTON: My 90-year-old father's £600 fine after tax error 

My dad will be 90 next month and has severe health issues. Revenue & Customs wrote saying he no longer needs to submit a tax return.




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How did a fraudster take out a Three mobile contract in my name 

I received a letter from a credit recovery company at the end of November demanding £290, which has now risen to £360.




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My flat is a fire risk so I can't staircase my shared ownership mortgage

I am a shared ownership resident in a London block of flats who recently tried to staircase my mortgage. However, the lender was worried my balcony might be flammable. Now I can't remortgage.




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Why did Shelter back a squatter in my dad's house? TONY HETHERINGTON investigates

My father bought a house in Stockport, Greater Manchester, in 1971. Several years ago, a tenant tried to seize ownership by claiming squatter's rights.




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I want to remove my smart meter but have been told I will be charged £150. Why is this?

I moved into a property in October and found it had a first generation smart meter installed. When I asked about having it removed, I was told it would cost £150. Can I not have it removed for free?




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BT has left me without internet and I need it for my heart monitor

My mother moved from one flat to another in mid-December. Her broadband stopped working after the move and BT have not fixed it even though she needs it as her heart monitor requires wi-fi.




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TONY HETHERINGTON: Since your last intervention, Revolut has taken £2,500 from my wife!

I had hoped that after your probe into Revolut, we could move on. But it has messaged my wife, saying that her account has been closed and funds returned 'to source'. Well, I was that source. Where's the cash?




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Love Holidays told me I had to pay an extra £1,000 for my hotel

I booked a hotel only reservation through Love Holidays two weeks ago and agreed a price of £1,080 but they have now said it is actually £2,080 and I have to pay. What can I do?




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How quickly do I need to inform mobile provider if my phone is stolen?

I recently had my phone stolen and within five minutes of losing it, over £200 was spent on Google Play. Neither EE or Google have said they can help me. How can I get my money back?




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Hermes lost my JD Sports trainers delivery - what can I do?

I ordered a pair of £170 trainers from JD Sports to be delivered by Hermes. I hadn't received them so I contacted Hermes which said they had lost the shoes but I still haven't got them. What can I do?




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Spotify hacking: How has someone taken over my music?

I was listening to music on my Spotify account when I found it had been taken over by someone else and I couldn't listen to my own music. How was someone able to get access to my account?




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My fridge-freezer broke over 5 months ago and my insurer still hasn't paid out. What can I do?  

I made a claim with Legal and General five months ago after my fridge-freezer broke but it still hasn't paid out for the problem or made any repairs. What can I do to get this sorted?




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ASK TONY: TalkTalk won't let me cancel my care home dad's phone bill

My father, 92, was admitted to a dementia care home last September. I have Lasting Power of Attorney. I rang TalkTalk to cancel his account but they refused because I wasn't the account holder.




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ASK TONY: TSB - The bank that said 'NO' to my frail 86-year-old mother

I took my mother to a TSB branch to open an account because she has been told she can no longer receive her state pension via the Post Office. We took several documents showing her address.




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Why is my renewal quote for car cover higher with LV= than ABC?

I received my renewal quote from LV= and it was too much so I decided to switch to ABC. However, I found out ABC is owned by LV=. How can the prices be so different?




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My boss can't use a Jack Wills gift voucher I bought him, even though it is in date. Why is this?

I purchased a Jack Wills gift card as a present for my boss. However, when he went to use it in January this year he was told that there was no value on the card. Why is this?




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Coronavirus: What should be included in my travel insurance policy?

I have booked a family ski holiday to France in April and we have every intention of still going, despite coronavirus. What do I need to check for to see if I am covered if the trip gets cancelled?




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ASK TONY: I was banking on my Isa to buy a house but Skipton closed it

I opened a Lifetime Isa (Lisa) with Skipton on June 27, 2017. I recently tried to pay into it, but discovered Skipton had closed it on September 16 last year.




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'Bulgarian "crypto firm" stole £5,680 from my account': TONY HETHERINGTON investigates

I was contacted by Xtraderfx and told that it would transfer my frozen credit balance of £680 to my NatWest credit card. I agreed and gave my card details.




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Tui wanted me to pay £100 to postpone my holiday to Italy?

I am trying to defer my holiday with Tui to Italy until next year when the coronavirus outbreak will hopefully be over - but Tui have said if I do that, I will have to pay a £100 fee.




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I booked my BA flights through a third party. Am I still able to get a voucher or a cash refund?

My flight to Cambodia has still not been cancelled but I cannot go. I booked through a third party but not sure if this means I can get a voucher in lieu of flights or a cash refund?




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I moved flat last weekend, during the coronavirus outbreak. Can I get my deposit back in 10 days?

I moved flat last weekend, thankfully just before the Government lockdown. Will I still be able to get my deposit back from my old flat, once I leave, within 10 days?




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Should I use my Lifetime Isa as a supplementary pension?

I'm 27 and hold a stocks and shares Lifetime Isa with Nutmeg, and haven't even considered whether there are legalities around what age I can take my private pension, which I haven't needed to consider




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I need to cancel my TV licence but the website says I can't do that. Can I cancel my Direct Debit? 

I need to get a TV licence refund but online it says that it isn't possible to request a refund at the moment due to coronavirus. Can I just cancel my direct debit with the bank instead?




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TONY HETHERINGTON: My uncle pays £492 a year to long dead funeral firm

'Going through my 91-year-old uncle's paperwork for him, I found he had signed up for Equitable Lifecare funeral plan in 2016, and has been paying £41 a month - £492 a year - since then.'




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ASK TONY: Metro bank froze my account and it has £30,000 stuck in it! 

Despite my repeated calls and a letter to Metro Bank's chief executive, it was almost a month before it wrote back asking for proof of address and details of my travel for the past 6 months.




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What can I do to cool down my one bed flat now the weather is getting hotter and I'm stuck inside? 

I live in a small, one bed, second story flat. As the weather is getting hotter, so is my flat. What are the best methods, aside from opening windows, to cooling it down?




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Can work force me to take a pay cut without reducing my hours?

My employer has told me to take a 20 per cent pay cut due to the impact coronavirus is having on the business, yet I still have to work full-time. Is this allowed and what can I do if I'm not happy?




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Should I now wash my clothes at 60 degrees to help beat coronavirus?

Someone told me the other day that I should now be washing all clothes at 60 degrees to kill viruses such as coronavirus. Should I wash at 60? And if I do, how much extra would this cost?




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I am struggling to get a refund for a takeaway. What are my rights?

I am a vegetarian and ordered a veggie pizza from a large chain but when it arrived, I found it had chicken on it - why has it taken so long to get a refund?




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HETHERINGTON: How can my house be using 'industrial' amounts of power?

I joined ScottishPower for my electricity in March 2017, paying £190 a month. In March last year, they asked for weekly readings and said I was not paying enough.