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Independent Financial Advisers

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Questions of cash: Why do big firms like BT charge me when I decide I

Q: I don’t understand how BT and other companies can make administrative charges when customers decline to pay by direct debit. I do all my banking through the internet and have never defaulted on any payment. The amount charged has increased beyond inflation over the last two years and I feel we are being held hostage in a no-win situation. Despite questioning these charges and asking for a breakdown in what actual costs are incurred, not one company I have contacted has responded. CC, Scotland.

One million will use payday loans to cover Christmas

More than a million people will use payday loans to cover the cost of Christmas, according to the latest worrying figures from the Money Advice Service, which found 18m of us are concerned about how to afford this year's festivities and 17m expect to begin 2014 in debt.

Complaints soar as banks fail PPI victims

Just when you thought the banks were trying to put the PPI mis-selling scandal behind them, it turns out they're still trying to escape being straight with their customers.


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