Click on a section below to see questions that have been answered by SavvyWoman’s panel of experts. To get your own question answered, just click the Ask Your Question link below and complete the question form.



My daughter went bankrupt because of her husband's business. Read »
My daughter has been charged £165 by her bank for an overdraft. What can I do? Read »
Should an old crack in my wall mean my premium rises by £500? Read »
Should I be taxed in Germany as well as the UK on my German pension? Read »
I was medically retired and want to know what benefits I'll still get. Read »
I live in Northern Ireland and want to know how to compare energy suppliers. Read »
I work for the NHS but am off sick and feel under pressure to resign. What can I do? Read »
Should I cash in my hospital plan? Read »
Is it normal for an insurer to deduct VAT from initial payments for repairs? Read »
Can I make a friend pay a loan I guaranteed for him? He's refusing. Read »
My parents took out an insurance policy but I can't track down the company. Read »
My energy provider says our property is a business premises. Read »





Savings, Investments & Pensions

We have a stocks and shares ISA; should we use it to pay off our mortgage? Read »
What is a salary sacrifice pension scheme? Read »
Should I pay off my mortgage as soon as I can or keep some money back as savings? Read »
My husband and I don't know where to invest a £60,000 pension lump sum.
Read »
Should I buy a pension with my savings?
Read »

What's a fair rate for financial advice if you're reinvesting money? Read »
My fixed rate bond for 100k matures soon. Is there a better rate than 3.05%?
Read »
Should we cash in our bond? We aren't sure of the tax implications. Read »
How do we value my husband's pension fund. We know the annual payout. Read »
Should I buy an annuity now or wait until the gender rules on pricing come in? Read »

Should I cash in some bonds taken out by my late husband? Read »
Should I invest in an index tracking fund? Read »
Can you backdate SIPP pension contributions to a previous tax year? Read »
I am currently living abroad. How can I sort out my pension when I return to the UK? Read »
Which is the best private pension to go for? I'm in my late 20s and work for a college. Read »

What's the best way to generate income from a tax-free lump sum? Read »
Should I invest in National Savings Index Linked Certificates? Read »
How do I find a financial adviser I can trust and not one who just wants to sell? Read »
I've been advised to switch my pension three times by my IFA. Is that wise? Read »
I'm on unpaid leave for four years. How do I save for my retirement? Read »

Should I take the maximum lump sum from my pension or a bigger income? Read »
Should I save into a pension or an ISA as I'm five years away from retirement? Read »
Should I switch funds or take money out of my with profits bond? Read »
Are friendly society bonds a good way of saving for our grandson? Read »
Should we cash in our investment bond? Read »

Is a three year fixed rate ISA a good idea at the moment? Read »
I don't know where to invest the £60,000 I'll receive when I retire. Any suggestions? Read »
I've just received £70,000 and want to know where to invest it. Read »
I've been given part of my husband's pension on divorce. Where should I invest it? Read »
I've had an ISA while being non resident in the UK. What should I do? Read »

I have £25,000 saved but the interest rate is poor. Where can I invest it? Read »
I've come into some money but don't know what to do with it. Any advice? Read »
I don't know if I should join my company pension scheme. Read »
My husband has a small pension but we don't know what to do with it. Read »
How will the new SIPP pension rules affect me? Read »

My income drawdown plan is losing a lot of money. What can I do? Read »
My ISA fell in value but has recovered. Should I cash my ISA in? Read »
How do I know if I've paid too much for pensions advice? Read »
Can we transfer a property we own into a self invested personal pension? Read »
Does the fact my pension was divided at divorce affect my lump sum? Read »

What is trail commission in relation to investment funds? Read »
Should I buy added years on my works pension or invest the money? Read »
What should I do with my tax-free pension lump sum? Read »
My mum wants to give me money. What's the best savings product for this? Read »
I am thinking of taking my pensions at age 60, should I defer one pension? Read »

My relationship broke up three years ago and I need some help with finances. Read »
Why aren't financial institutions more accessible to older people? Read »
What's the best savings account for my 17-year-old daughter? Read »
We're selling our house. Where can we get the best return on the money? Read »
Should I invest £50,000 into an investment fund or leave it in the bank? Read »

What is the most tax-efficient way of accessing three small pensions? Read »
Are there any financial advisers who advise on low income amounts? Read »
Is an ISA a good investment option for a student saving for a deposit? Read »
I'm worried about the high charges on my investments. Can I reduce them? Read »
How do I know if a financial adviser is charging too much? Read »

Should I invest in a fund denominated in dollars or is it too risky? Read »
Can I have two cash ISAs - one with money transferred from another ISA? Read »
Can I do better if I move my money from my investments bonds? Read »
Can I and should I move some shares I've inherited into an ISA? Read »
Should I rejoin my employer's pension scheme after my divorce? Read »

What are the advantages of investment ISAs over cash ISAs? Read »
Can I keep money in my pension fund in cash? Read »
Should I split the £33,000 I have from my divorce settlement between accounts? Read »
Where should I put the £350,000 proceeds from selling my house? Read »
Should I put cash into a child trust fund if we may move abroad in the future? Read »

Can I access money I've paid into a free-standing AVC before I retire? Read »
I need a pension but I don't know where to start. Read »
Should I pay more into my personal pension or start another scheme? Read »
Where's the best place to start saving £1,000 a month? Read »
What are the alternatives to saving in a pension? Read »

What should I do with a lump sum of £100,000? Read »
What should I look for when choosing a cash ISA? Read »
How do I find a good independent financial adviser who's not expensive? Read »
I'm thinking about a pension; is the teachers' scheme worth joining? Read »
Can I combine two stakeholder pensions? Read »

Debt & Bankruptcy

Should I transfer my £18,000 of credit card debts to my mortgage? Read »
I live in France, have debts in Australia and am worried about my finances.
Read »

I've been hounded by a debt collection company and need some advice. Read »
I am worried about my finances as I'm working part time and am on benefits.
Read »
Can I financially disassociate myself from my ex as he has lots of debts? Read »
We now have £31,000 in debts. How should we try and pay it off? Read »
My ex partner has disappeared and now the mortgage isn't being paid. What can I do? Read »

I'm in debt and have contacted my creditors and all but one has taken lower payments. Read »
I owe £25,000. I live in Spain, but debts are with UK companies. What can I do? Read »
I owe a bank £10,000 but I ignored the debt after my husband died. What should I do? Read »
I let a relative borrow my credit card and now he - and I - can't pay. Read »
Is it legal for the receiver to take your private pension when you're declared bankrupt? Read »

Can I get money back from the sale of our house after my ex was declared bankrupt? Read »
My (separated) husband may go bankrupt. Can I get any equity from the house sale? Read »
My ex has told me that a joint debt of £20,000 is now £86,000. I'm sick with worry. Read »
Can I take on my daughter's credit card debt to get a better balance transfer deal? Read »
My estranged husband has debts in his name and a charge has been added to our house. Read »

I've received letters about old debts that I thought had been written off. Help. Read »
I'm struggling financially and am considering bankruptcy but can't afford the fees. Read »
I want to switch a cancelled credit card to a loan but the bank won't let me. Read »
I owe around $60,000 from Canadian student debts. What can I do? Read »
If I were to go bankrupt would my children be taken out of private school? Read »

Can I protect my possessions from a bailiff who's after money my boyfriend owes? Read »
My boyfriend has a bad credit score. Would mine be affected if I co-owned his flat? Read »
I have a great credit score but my partner doesn't and I'm being turned down for credit. Read »
My husband has taken out payday loans and they're out of control. What do we do? Read »
I've got myself into debt after travelling and don't know what to do. Read »

My business partner has a lot of debt. What should I do? Read »
I'm getting letters from a debt collector about a joint account I thought had been closed. Read »
My friend's husband has died leaving behind a credit card bill. What can she do? Read »
My ex plans to go bankrupt but we'd started transferring his share of the property to me. Read »
The interest rate on my credit card has doubled and I'm struggling to pay it. Read »

I have three credit cards and owe £11,000. What's the best way to pay them off? Read »
My brother has debts and is very ill. What would happen to them if he dies? Read »
My husband is going bankrupt. Will creditors get a share of the house? Read »
Can I get my ex boyfriend to pay me the £30,000 he owes me? Read »
I am struggling financially and don't know what to do. Read »

What can I do to improve my partner's credit rating? Read »
I'm always overdrawn. How can I improve the way I manage my money? Read »
We're facing a repossession hearing. What can we do? Read »
My husband has taken a pay cut. Can we delay paying credit card debts? Read »
Are there any templates to help with filling in bankruptcy forms? Read »

My husband and I are being taken to court by our mortgage lender. Help! Read »
I am a care worker. Do I qualify for benefits as I can't afford my mortgage? Read »
I'm struggling with credit card debt. Could my husband have to pay them? Read »
I have a serious illness and lost my job and I can't afford to pay my debts. Read »
I've ended up in debt because a deal wasn't honoured. How can I move on? Read »

I found out that my husband has run up debts. Should I bail him out? Read »
I'm pregnant and taking a year out of uni. Will I get maternity benefits? Read »
I have £55,000 of debts after I've sold my house. What should I do? Read »
I owe £6,000 in credit card debts. Should I remortgage to pay it off? Read »
What benefits can we claim with an income of £24,000 and two children? Read »

I've been declared bankrupt, will I be able to get a new rental agreement? Read »
Should my partner pay a company that can reclaim interest on loans? Read »
How can I get my ex to pay back money he owes me? Read »
I earn a reasonable salary but my money disappears each month. Help! Read »
Can I transfer my balance to pay off my car loan? Read »

Can I stop sinking further into debt? Read »
How do I pay off my loan and credit card debts? Read »
I'm in dire straits with debt, what can I do? Read »
What are the pros and cons of consolidating my debts? Read »
Should I sign up to a debt management plan? Read »

Mortgages

I'm in negative equity and need to sell my home; what can I do? Read »
I'd like to pay off my mortgage by the time I'm 50. Is that a good plan?
Read »
I'm looking for a loan for £18,000 to pay off my mortgage.
Read »
Can I buy a flat with someone else but each of us keep our existing property to rent out?
Read »

I would like to help my son buy his first flat; what's the best way to do this? Read »
I'm thinking of buying a property to let out. Should I use some equity as a deposit?
Read »
My partner and I have split up and I don't think he'll pay the mortgage. What can I do?
Read »
Would my wife and I be able to get a mortgage? We have some credit card debts. Read »
Can I get a buy to let mortgage for £65,000? Read »
Can my partner get a mortgage with one year of accounts? Read »

Can my partner and I get two mortgages? Read »
My ex is blocking the sale of our house. Could I raise a mortgage on our second home? Read »
I need a new buy to let mortgage without early repayment charges. What are the options? Read »
Can my daughters buy the remainder of my shared ownership property? Read »
I want to buy a mortgage with my partner but the lender won't let me port the mortgage. Read »

Can I count rental income from my property toward my mortgage on another flat? Read »
I can't take over our joint mortgage in my name only, can my parents act as guarantors? Read »
I've split up with my partner but my mortgage lender won't let me come off the mortgage. Read »
I'm buying a flat with my son. He'll get a £200k mortgage and we'll put in cash. Any advice? Read »
Can I get a bridging loan to cover a deposit on a below market value purchase? Read »

My mortgage is due to end in 21012 but we still owe £51,000 and can't sell. Help! Read »
My mortgage deal is ending. Can I split my mortgage between two lenders? Read »
I'd like to buy my mum a flat but would need to remortgage. Any advice? Read »
How is the yield calculated on a buy to let property? Read »
Can my partner put his house in both our names but have his name on the mortgage? Read »

How long does it take to build up a credit history to get a mortgage? Read »
My partner and I are both self employed. We want to remortgage but can't. Read »
How can we get a mortgage to buy a property? We currently live in a tied house. Read »
I live in a leasehold flat with 75 years on the lease. Should I extend it or buy the freehold? Read »
I'm coming to the end of my fixed rate interest-only mortgage. What now? Read »

Do we need a shared ownership mortgage to buy a shared ownership house? Read »
I've read that house prices will drop by 20%. Should I sell up and invest the cash? Read »
I am earning £38,000 and have a deposit of £27,000. Will I be able to afford a house? Read »
Am I better off with my offset mortgage or should I change to a repayment loan? Read »
How easy would it be to come off my parents' mortgage? Read »

I've missed some payments on my credit card, will I still be able to get a mortgage? Read »
I have an interest-only mortgage of over 90%. Can I move to a repayment one? Read »
My ex boyfriend wants to come off the mortgage. How can he? Read »
Can my lender charge me to have a mortgage so I can rent out my home? Read »
Should I settle debts before I move home or use the mortgage to pay them? Read »

How does being pregnant affect your ability to get a joint mortgage? Read »
How can I get my name removed from our joint mortgage? Read »
Can I help my daughter buy her first home and if so, how? Read »
Should I take out a mortgage in the UK or Spain to buy a property there? Read »
I've lived and worked in Dubai can I get a mortgage in the UK? Read »

Which mortgage do I need to buy a property for my student daughter? Read »
Can we arrange home finance over a short period of time? Read »
A mistake was made when I transferred my mortgage. What can I do? Read »
We have £100,000. Should we pay off the mortgage or buy abroad? Read »
Can I get a competitive mortgage for £20,000 as I'm near retirement? Read »

Are there any affordable buy-to-let mortgages on the market? Read »
How much of my lodgers' rent is taken into account for mortgage purposes? Read »
I'm on a fixed rate mortgage. Should I remortgage and pay the penalty? Read »
My tracker mortgage is up for renewal - what are my options? Read »
I'm in negative equity. Are house prices likely to improve this year? Read »

I'm renting out my house. Can I remortgage now I'm a pensioner? Read »
We need to borrow an extra £26,000 but our mortgage lender may refuse. Read »
Could I remortgage in my own name after my divorce? Read »
Will my past debt problems prevent me from getting a mortgage? Read »
Should we pay off our mortgage or refurbish our home? Read »

Should I sell my rental flat or keep it? Read »
Should I opt for a tracker mortgage or a fixed rate for security? Read »
How does my Australian citizenship affect my ability to take out a mortgage? Read »
What's the best way to finance buying a second property? Read »
Can I get a mortgage with a self-employed partner with one year's accounts? Read »

Gas & Electricity

I am a stay at home mum and I miss not having money. How am I meant to manage? Read »
My husband doesn't like the fact I worry about money. What can I do? Read »

Long Term Care

Will my partner have to move out of his mother's house if she needs care? Read »
My parents have £23,000 of savings and are in care. Can they give it away? Read »

My mum needs care at home and almost all her savings are gone. Can we buy her house? Read »
I own a house with my mother. Could this cause problems if she needs care? Read »
My elderly mother has dementia and we're thinking of moving her to our house. Read »
Can my elderly mother give away money without being accused of avoiding care costs? Read »
Is equity release my only option? I have used up most of my savings. Read »

Can I protect my former council house from being taken for care fees? Read »
My mum needs to go into care. What benefits will she receive? Read »
Will I have to make up any shortfall on care home fees for my aunt? Read »
My husband has power of attorney for his dad. What ID does he need? Read »
I'm 64 and will be working less. Should I downsize or do equity release? Read »

I have power of attorney for my dad. Can I give cash gifts on his behalf? Read »
Can mum put our name on the house deeds so it's not sold to pay for care? Read »
What happens if a parent who sells a house to give money away needs care? Read »
Can I find an execution-only broker for a long term care plan? Read »
How do I compare different equity release schemes? Read »

Divorce & Relationship Breakdown

Can I my a claim against my ex husband's pension if it wasn't provided for in divorce? Read »
Can my partner force me to sell our house? It is in negative equity and we are splitting up.
Read »
I'm divorcing and moving to Dubai. Can they make me pay child support there?
Read »

Could my ex get some money from the house I bought with an inheritance? Read »
Can I change the locks to force my ex husband to leave our home? Read »
Does my ex husband have the right to our buy to let property? He's keeping the rent.
Read »
My partner and I have separated. I paid half the mortgage. What am I entitled to now?
Read »
My friend's mother has Alzheimer's and her husband is divorcing her.
Read »

I'm getting divorced and my husband doesn't want me to have the pension. Read »
I split with my husband earlier this year. Am I entitled to a share of his car? Read »
My husband left me and has stopped paying child maintenance after four months. Read »
My ex partner has stopped paying child maintenance. What can I do? Read »
I think my ex husband is downplaying his finances. What can I do? Read »

What's a fair amount to give my ex partner for our children? Read »
I don't know what to do about our financial settlement on divorce. Read »
Would my ex husband who left 14 years ago be entitled to some of my house? Read »
My husband and I want to transfer properties to each other. Do we need a solicitor? Read »
I'm splitting up with my partner but he will only give me the money I put in the business. Read »

Can I represent myself in divorce? Read »
Should I have an informal or formal separation? Read »
Can I do anything about fees to get my name taken off the deeds on divorce? Read »
My partner has put more into our house. What happens if we were to split up? Read »
My husband is being very intimidating over our divorce. What can I do? Read »

I am in the middle of an acrimonious divorce. What can I do? Read »
I got married in Dubai but can I start my divorce in the UK? Read »
I 'm divorced and remarried but my ex wife wants part of my pension. Can she? Read »
I asked my partner to leave. Under Scots law is he entitled to half my house? Read »
Do I have an automatic right to the deposit I put down on our house in Scotland? Read »

I'm splitting up with my partner. How do we divide the house? Read »
My ex husband's pension was 'earmarked' in divorce but he won't tell me anything. Read »
If we get divorced am I entitled to any of my husband's inheritance from his mum? Read »
Can I stop paying maintenance to my ex wife? Read »
My husband and I are getting divorced. Do we need a solicitor? Read »

My husband and I are getting divorced. If I take out a private pension, will he get some? Read »
Is my friend entitled to half her husband's inheritance now they're getting divorced? Read »
My husband is having an affair. What information should I put in my divorce papers? Read »
I've been given 40% of my ex husband's pension on divorce. Can I cash it in early? Read »
My ex pays maintenance through the CSA. He's self employed and I think he diverts cash. Read »

Would I have to pay towards my partner's divorce settlement if I move in with him? Read »
My daughter's boyfriend is moving in with her. Will he get any rights to her house? Read »
My husband and I have split up but he wants half my flat. Read »
I don't know whether to buy a property with my partner. Help! Read »
Can I make a claim against my ex's pension when we divorced in 2008? Read »

Should my name be added to the deeds and mortgage of my husband's property? Read »
I own a property in Spain with my ex, can I get some money from it? Read »
My boyfriend has recently moved in with me. How can I protect my assets? Read »
My partner lives with me. What rights would he have under Scottish law? Read »
My mum is divorcing and on benefits but my step dad is spending it. Read »

Can my ex husband make a claim after we've split our assets? Read »
Can you tell me what financial settlement I might get in divorce? Read »
Can you tell me what a separation agreement should include and cost? Read »
My ex husband has stopped paying child maintenance. What can I do? Read »
My partner's moving in with me. Should we have a legal agreement? Read »

I'm thinking of divorcing, do I have a claim on my husband's pension? Read »
My husband and I are separating but he won't let me take my belongings. Read »
I'm getting divorced. Am I responsible for my husband's debts? Read »
My daughter is separating. Could her husband make a financial claim? Read »
Does my boyfriend have a claim on my house? Read »

My husband has lots of debts. If I leave him would I be responsible for half? Read »
How can I secure my financial future if I divorce my husband? Read »
How can my husband's parents work out a fair divorce settlement? Read »
My husband left me, will he benefit from my inheritance? Read »
What are my rights now my relationship has broken down? Read »

What would be a fair split of our house now I'm now getting divorced? Read »
Do I have to wait two years before I can get divorced? Read »
What is the cheapest way to get divorced? Read »
If I live with my partner, will I end up paying for his ex? Read »
My partner stopped paying maintenance for our daughter. What can I do? Read »

Household, Car & Travel Insurance

I've made some claims and now I can't get household insurance. Read »
Is my husband covered on our travel insurance policy? Read »
I have legal protection insurance on three policies. Do I need this? Read »
Can I make my insurer pay for car repairs that weren't done properly? Read »
I was involved in a car crash. Can I claim my fare home on my car insurance? Read »

Our airline wants to charge us for a letter saying we couldn't take our flight. Read »
How can I get travel insurance to cover cancellation if my mum is ill? Read »
Am I responsible for paying for damage caused by leaking pipes? Read »
Can an insurer impose hefty additional charges? Read »
I need to buy contents insurance for my leasehold flat. Read »

Tax

Will I have to pay inheritance tax on a gift of private medical treatment? Read »
Can I claim back £15,000 capital gains tax after we signed over our house to our daughter? Read »
The tax office says I owe them £3,000, what can I do? Read »

I'm struggling with my tax return and can't work out what I can claim. Read »
Can I get interest paid without the tax taken off? Read »
My employer didn't fill in the correct tax form and now I'm being penalised. Help! Read »
I'd like to give my son £10,000 for a deposit for a house. Can I do that? Read »
Can I reduce the profit I made on the sale of my commercial property? Read »

Can my father give my husband money from cash left to him by my grandfather? Read »
I am thinking of signing up to do online surveys for vouchers. Will I be taxed on it? Read »
I live in the EU but outside the UK. Should I pay tax on my pension? Read »
My husband and I want to sell our properties. What are the tax implications? Read »
HMRC says I owe lots of tax. I thought I paid via PAYE. What am I supposed to do? Read »

What's the most tax efficient way of buying my brother out of our flat? Read »
My husband hasn't filed a tax return but is self employed. Can HMRC come after me? Read »
I received an inheritance but don't know if I owe tax on it as my father died abroad. Read »
I have a two jobs and am worried that I may be paying the wrong amount of tax. Read »
I want to downsize but don't know the most tax-efficient way to do it. Read »

My husband and I want to buy half our daughter's house as she can't get a mortgage. Read »
I'm getting divorced and am getting the family home. Will I have to pay tax? Read »
My ex husband owes capital gains tax but HMRC want me to pay tax and penalties. Read »
I have a small limited company. What should I look for in an accountant? Read »
When would I qualify for the higher rate personal tax allowance? Read »
Can I reduce a capital gains tax bill by paying off a debt with my profits? Read »

What tax would I have to pay if I worked for a firm based in Mexico? Read »
What are the tax implications of me and my husband owning separate homes? Read »
I have been trying to claim back tax for nine months. Help! Read »
I think my husband has paid too much tax on his redundancy lump sum. Read »
I'm selling my flat that I've rented out. Do I have to pay capital gains tax? Read »

I qualify for the married couples' allowance. How do I use it? Read »
Must I pay capital gains tax if I transfer my late mother's home to my name? Read »
We pay the mortgage but our house is in our daughter's name. Do we pay CGT? Read »
My father lives in Australia, would I be taxed on money he gives me? Read »
How would working part time and being self employed affect my tax? Read »

Can you recommend tax books for beginners? Read »
My ex husband has died - do I need to pay tax on the house we owned?Read »
How can I cut my capital gains tax bill on my rental property? Read »
What are the capital gains tax implications of renting out my flat? Read »
How do losses affect capital gains tax on a second home? Read »

Illness & Insurance

Would an income protection policy be affected by a 20% fall in my income? Read »
I want to buy critical illness cover but am not sure the adviser is doing their job properly. Read »
Should we add to our existing life insurance policy or start over from scratch? Read »
I've been signed off sick but my employer is stopping paying benefits. Read »
Could you give me some advice on choosing a critical illness policy? Read »

I think we were mis-sold PPI but the ombudsman service sided with the bank. Read »
Can I complain about PPI policies I think I was mis-sold in 2004? Read »
I'm about to renew my mortgage PPI insurance. Should I go ahead? Read »
Can I complain about an expensive life insurance policy? Read »
Can I save money on life insurance and critical illness cover? Read »

State & Company Pensions

Can I access money in my AVC? I'm aged 54 and in financial difficulty. Read »
My mother is Italian. How can I find out whether she's getting the right pension?
Read »
I'm confused about when I'll receive my state pension. Read »
Will I get pension credit as I have a company pension but don't get full state pension? Read »
Should I take the maximum lump sum on my pension or a higher income? Read »

Could I claim a state pension on my husband's contributions? Read »
Can I claim my late sister's NHS pension if her husband doesn't want it? Read »
I only get a pension of £1.70 a week. What can I do? Read »
I was separated from my husband and he recently died. Can I claim any of his pension? Read »
Can you get a state pension paid in South Africa from your late husband? Read »

My husband died two years ago. Can I claim some of his state pension? Read »
I'm switching jobs but don't know what it will mean for my pension. Read »
I want to increase my state pension using my ex husband's National Insurance record. Read »
I'll be 65 in October. Should I take my government pension then or work for longer? Read »
I currently live in Italy, should I open a private pension in England and if so, how? Read »

I paid the reduced National Insurance stamp. Can I increase my pension? Read »
I was made redundant recently and I have no idea about what to do with my pension. Read »
How can I use my ex husband's National Insurance record to boost my state pension? Read »
I was born in 1952. When can I retire and will I get a full state pension? Read »
I will get more than £140 a week from my state pension. Will I lose out in the changes? Read »

I have paid 22 years of National Insurance. Should I pay more on low earnings? Read »
When can I receive a state pension based on my late husband's NI record? Read »
Why would my ex husband want my National Insurance number for his state pension? Read »
I only get a state pension of 62 pence a week. What can I do to increase it? Read »
Are there advantages or disadvantages to deferring my state pension? Read »

If I work part time after the age of 60, will this affect the amount of state pension I get? Read »
I bought 10 years of National Insurance for my state pension. Have I wasted my money? Read »
I have been offered the chance to transfer from my company pension. Should I? Read »
I have 19 years of NI contributions. I now live abroad. Should I top them up? Read »
I'm getting the state pension of £111.38 a week. Do I qualify for pension credit? Read »

Will I get the new flat-rate pension? I live in Canada but have 30 years' National Insurance. Read »
Can the government change a payout from a public sector pension? Read »
I am working abroad. Can I have a pension while I'm overseas? Read »
I'm a 60-year-old nurse. Should I carry on paying into the NHS pension? Read »
I've deferred my state pension. Should I take a lump sum or higher pension? Read »

Could my employer wind up the pension scheme and what are my rights? Read »
How do I start to find out what my pensions are worth? Read »
Am I entitled to any of my ex husband's state pension after his death? Read »
Should I carry on paying into the NHS pension and merge my pensions? Read »
I'm due to get 96% of the state pension. Can I use my husband's NI record? Read »

I've deferred my state pension. How does it affect pension credits? Read »
Should I top up my pension and NI contributions while I'm living overseas? Read »
Can I claim a state pension on my husband's NI record before he retires? Read »
Have I done the right thing by delaying taking my state pension? Read »
I paid the married women's stamp. Can I do anything to boost my pension? Read »

I'm going to live abroad, can I still make National Insurance contributions? Read »
I opted out of the state second pension, what should I do now? Read »
Should I pay NI to protect my state pension as I've retired from ill health? Read »
I've retired on ill health grounds. Will I pay tax and NI on my pension? Read »
I'm training and not signing on. How can I protect my state pension? Read »

Will our son receive my ex-husband's company pension if there's no will? Read »
I've paid married women's stamp. Can I increase my state pension? Read »
Should I maximise the amount of tax-free cash I take from my pension? Read »
Am I entitled to a pension from my late partner? Read »
Should I transfer my pension from my previous job? Read »

Green & Ethical Money

I would like to invest in ethical companies - not supermarkets, weapons makers or oil. Read »
I'm self employed and I'd like an ethical pension, where do I start? Read »
Sould I invest in the green energy supplier Ecotricity's bond? Read »
I'm thinking of investing ethically. Will it mean I get lower returns? Read »

Wills & Trusts

Can I and my husband give 50% of our house to our son now? Read »
Can I guarantee that what's written in my will is adhered to? Read »

Does an adopted child have a claim on the birth mother's estate? Read »
What's the best way to sort out a will having got married and had a baby? Read »
What happens to joint accounts immediately after one party dies? Read »
I'm getting divorced. Can my mother make sure my ex husband doesn't inherit? Read »
I'm supposed to be an executor but I've not been given any proof. What can I do? Read »

How should I proceed with my late grandmother's will? Read »
Will I pay inheritance tax on the remaining half of my father's flat when I inherit? Read »
Can we stop our daughter's partners from inheriting our money? Read »
My husband is about to inherit some money but is a gambler. Can I inherit some of it? Read »
My son wants to loan me money to buy a flat to help me avoid inheritance tax. Read »

My mother in law's husband has left the bungalow she lives in to her husband's children. Read »
I need to apply to the Court of Protection because my mother has dementia. Read »
My brother has spent money put in trust for his son. What could happen? Read »
Do I have a right to see my mother's will if it's blocked by another family member? Read »
I think my grandfather may have been pressured to change his will. What can I do? Read »

Can a vulnerable adult (deemed incapable of rational decisions) be left a share of a house? Read »Is there a simple document you can buy to use for a 'deed of family arrangement'? Read »
How can we find out how our properties are owned under Scottish law? Read »
My will leaves everything to my children but I'm not divorced (just separated). Read »
We'd like to give our son £200,000 to buy a house but want to know the IHT implications. Read »

I lent my father money to buy his council house. Do I have a right to inherit? Read »
My father recently passed away. How do we sort out jointly owned property? Read »
My solicitor can't find a copy of my late husband's will. Can I use someone else? Read »
I live with my partner, what should I do so I can leave money to my children too? Read »
Can banks impose conditions on accounts under power of attorney? Read »

I'm concerned that my brother may have abused the power of attorney. Read »
I bought an online will. Are there any pitfalls to be aware of? Read »
I would like a deed of variation of my husband's will. What do I need to do? Read »
I had awful problems with one of my parent's will. Do I have any recourse? Read »
I've heard about 'family partnerships' - do they have disadvantages? Read »

I was born in the UK and lived abroad since. How do I sort out my will? Read »
Can my mum sort out her late brother's affairs when a relative disagrees? Read »
Does my mum have to pay tax on her £20,000 inheritance? Read »
How can I have a will drawn up without spending a lot of money? Read »
I'm separated; will I inherit from my husband if he has no will? Read »

State Benefits

I've been diagnosed with a critical illness. What benefits might I get? Read »

My new husband's salary is affecting my tax credits. Is that right? Read »
My partner and I are struggling and want to know if we're entitled to any benefits? Read »
Is my mum entitled to any benefits now my child benefit has stopped? Read »
Can I claim tax credits while receiving a private and state pension? Read »
I don't know how the tax credit changes in April will affect me. Will I get anything? Read »

My claim for employment and support allowance has been turned down. What can I do? Read »
I've been made redundant but am now working. What does this mean for tax credits? Read »
We earn £45,000 between us, will we be entitled to tax credits after April? Read »
I receive pension credit. If I sell my home and give money to my kids will I be penalised? Read »My husband has been signed off sick. Will the benefits changes affect him? Read »

I'm a stay at home mum. Are there any benefits I can claim? Read »
I'm registered disabled. How will I be affected by the spending review? Read »
My ex and I still live together. Can we make separate tax credit claims? Read »
My husband is off work due to ill health. Can we claim any benefits? Read »
What benefits might my unemployed son be able to claim? Read »

Banking & Financial Complaints

I'm due a PPI payout but the bank won't pay me in my name as it was a joint policy. Read »
I was sold a PPI policy by my bank when I wasn't working. Can I claim for it? Read »
My bank says it only keeps PPI records going back to 2005. What can I do? Read »

Why are financial companies allowed to drag their heels over transferring money? Read »
My late husband took out an endowment policy in 1996. Is it too late to complain? Read »
What is the time limit for claiming using Visa chargeback? Read »
Can I get interest on an uncashed cheque from a savings account that was dated 2006? Read »
My son's girlfriend took money from his account on his card. Can anything be done? Read »

I paid a deposit for a Moben kitchen on my credit card. Will I get my money back? Read »
My ex partner and I have a joint loan; we want to take out separate loans but can't. Read »
Can I claim for mortgage payment protection insurance that I think I was mis-sold? Read »
Can I complain about a PPI mis-selling problem from 2007? Read »
I've had a claim for storm damage turned down when my neighbours didn't. Why? Read »

Can the Financial Ombudsman investigate my PPI mis-selling case from 2003? Read »
Can I complain about the way my mortgage lender has handled late payments? Read »
I think someone's opened fraudulent accounts but my bank isn't doing anything. Read »
A hire car company took money from my card without permission. What are our rights? Read »
Can I get money back from my debit card after a holiday company went bust? Read »

Can my daughter get a refund for concert tickets that didn't arrive? Read »
Can I complain about an endowment I was sold in 1986 that has a shortfall? Read »
My husband has power of attorney. Can he complain about his mother's bank? Read »
Can I get money back from my credit card company for a timeshare scam? Read »
I wanted to claim on our PPI policy but my bank says my name isn't on it. Read »

Consumer Rights

I was charged for a parking ticket but never given the chance to pay the lower amount. Read »
I've paid for back copies of a magazine but they've not arrived. What are my rights?
Read »
We paid a deposit for a wedding dress but the wedding's cancelled. Must we pay the rest? Read »
Can I do anything about a partnership I was sold last year which didn't deliver? Read »

My daughter was sold a faulty car by a dealer. What is our comeback? Read »
If something is advertised online at £44.99, is the retailer obliged to sell it at that price? Read »
I was mis-sold a holiday but can't get compensation. Can I claim off my Visa card? Read »
Why don't energy providers give you basic information about how much they charge? Read »
I bought a TV over a year ago but it went wrong recently. What are my rights? Read »