Consumer Tips

'Nationwide changed my mortgage loan from interest-only to repayment'

‘Nationwide changed my mortgage loan from interest-only to repayment’

A single reader arranged a perpetual curiosity-only mortgage loan with Nationwide, but obtained a letter stating it would be transformed to repayment   Photograph: ALAMY I acquired an undated letter from the “head of transaction processing” for Nationwide four months in the past informing me that my curiosity-only home loan…

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Every day-deal sites: are they as low cost as they seem to be?

Every day-deal sites: are they as low cost as they seem to be?

The gives on deal-of-the-day sites like Wowcher and Groupon may possibly appear tempting, but are they really such excellent bargains?

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Why the cost of death is increasing so fast

Why the cost of death is increasing so fast

Revenue-driven crematoria and rocketing church costs are partly to blame

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'Santander won't give me my money back'

‘Santander won’t give me my money back’

Our client expert assists one reader get their money back from Santander soon after they essential it to get winter fuel   Photo: ALAMY I have a dilemma with Santander. When I lived in London I got my mortgage loan by way of Abbey and had a savings account with…

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Co-op Bank provides £125 to win new buyers

Co-op Bank provides £125 to win new buyers

The troubled financial institution is hoping to entice new consumers by supplying £125 to these who open a new present account   Photo: Getty Photographs The Co-operative Bank is offering £125 to new buyers who switch to both of its two existing accounts, with £25 going straight to charity. The…

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BT ordered to refund thousands of pounds to customers soon after directory enquiries rip-off

BT ordered to refund thousands of pounds to customers soon after directory enquiries rip-off

BT informed to refund thousands of lbs to clients who have been not warned of large expense of calls   Photo: PA BT has been ordered to refund thousands of pounds to consumers it overcharged in a £2.39-a-minute directory enquiries rip-off. Buyers who dialled the service had been stored hanging…

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Vitality companies continue to flout billing rules

Vitality companies continue to flout billing rules

Some energy suppliers are nonetheless back-billing clients for longer than 12 months following internal billing mistakes

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'How do I know if green electrical energy is really green?'

‘How do I know if green electrical energy is really green?’

Inquire an professional: Eco-businesses are becoming feted for customer satisfaction. We describe what helps make them green   Photograph: ALAMY I go through your recent report about energy companies’ buyer services requirements . How can I tell whether or not the suppliers that declare to offer “green” energy really are…

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'Will my funeral expenses be covered?'

‘Will my funeral expenses be covered?’

One reader’s wallet – which contained his funeral insurance coverage card – was stolen. Our consumer expert assists resolve the situation

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'O2 let fraudster run up £1,300 bill in my name'

‘O2 let fraudster run up £1,300 bill in my name’

One reader was the victim of identity fraud, but O2 billed him over £1,300 for cellphone calls and texts he never made   Photo: AFP I have been acquiring nuisance letter expenses from O2, the mobile phone network, for three months. They send me bills and demand funds for an…

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