I went ahead with a property sale abroad, believing that clearing the draft would take about five days. But when I went to the branch with the draft, I was told it would take four to six weeks. This has left me with insufficient funds to buy our new home and the prospect of having nowhere to live.

One of Britain's biggest carbon credit investment cheats has been banned from acting as a company director for 12 years. Meanwhile, Israel's parliament, the Knesset, has taken the first steps towards a ban on binary options firms operating from the country.

My 95-year-old mother ordered a fitted chair from Westminster Recliners Limited on July 7, for delivery in August. The chair has still not arrived. We have tried to contact the firm several times but were fobbed off with a mobile number that does not work, or told we cannot speak to the manager. My mother has asked for the contract to be cancelled and her money refunded, but she has received neither the chair nor a refund.

We read with great interest your recent stories about FedEx and its charges. We were in the US in May and left behind a Fitbit activity wristband. The hotel offered to ship it to the UK if we supplied our card details, which we did. But my card bill was for £82 which seemed excessive. Shipping documents said the weight was 1.2kg yet the wristband weighs only 30g.

A few days ago I received a Benjamin Britten 50p coin in my change. My dad told me to keep hold of it as they are rare and fetch quite a bit of money. I searched the coin on eBay and found some examples of the Benjamin Britten coin being listed for thousands of pounds. Have a hit a bit of good fortune, or is it a red herring?

A new meter was fitted and we were billed for the old meter reading. During the years since, despite numerous appeals, we have still not received a gas bill. We are not in a position to pay what I am sure would be a huge amount. However, we would like to clear this up and not leave our family with any financial burden. Can you act on our behalf?

Sky have recently increased its prices meaning our monthly subscription would be £65 per month. We are pensioners and this is the last straw for us - we changing over to Freesat. I wrote to cancel, but Sky insist we speak on the telephone. Why?

Our National Savings and Investments index-linked savings certificates Issue 48 are about to mature. Should we renew them? And if so, should we pick a three or five year term? I am a higher rate tax payer but my wife is a basic rate tax payer. Are there better deals out there for us to reinvest the cash in risk free?

I have been trying to get a tax rebate from HMRC for the past year and feel I am being either fobbed off or totally ignored. I am 68 and receive a state pension of £75.41 a week and a small private pension of £350.72 per annum. On August 24, I received a reply with a cheque for £1 - which I have framed! I wrote again on September 16 but I have heard nothing.

In August last year I received a call from claims firm Falcon & Pointer Limited. It assured me it could get me money back from my bank because my bank had missold Payment Protection Insurance. I was aware of negative publicity about no-win, no-fee offers but foolishly I gave my card details and £238 was taken that day.

In June, my son and I bought a VW Golf for £4,750. I paid £650 of this on my Nationwide credit card after reading in your column that this would give me protection under the Consumer Credit Act. After two weeks, the car gave me trouble and was subsequently found to need nearly £3,000 worth of repairs. I tried to return it to the garage as unfit for purpose, but it refused to take it back.

My brother, who is 84 years old, has just received a letter saying he has won £325k in the People's Postcode Lottery. We are both extremely suspicious, but the letter looks so official that if it is a scam, it might well trick a lot of people.There is a People's Postcode Lottery, warns Tony Hetherington, but this isn't from it.

I need to borrow some money to pay for some home improvements and I'd like to free up some cash to be able to help my kids, but I don't want equity release. What are the other options that I have and can I get a mortgage? Our experts answer a reader's questions.

I'd been charged £632 for the trip I cancelled as well as the £1,363.88 I paid for the second booking.I have been trying to get a refund for months, but Expedia keeps telling me I need to take up my complaint with a firm called Blue Islands, which I've never heard of.

I applied to draw down my annual pension from Scottish Widows. In previous years, this has been taxed at the basic rate, less a little tax-free allowance. I was surprised when all my income was taxed at 40 per cent. Scottish Widows said it had been instructed by Revenue & Customs to apply this to all pension drawdowns. Is this a Revenue ploy to extract money in advance due to the new pension freedoms?

I had a rental property. The tenant left several years ago, after which it stood empty until I sold it last year. British Gas sent me a bill for £3,668. I explained that it was for the tenant to pay and that I had never lived in the property. British Gas said the account would be closed, but now I have been contacted by debt collectors and I fear that bailiffs will arrive over a debt that is not mine.

Thanks to one of the warmest winters for decades, a clothes moth epidemic is predicted in 2016. Traditional natural treatments for moth infestations have involved lavender and cedar. But most households infested with moths find that more sever action is required...

I set up a pet-sitting business and made only £20 in the tax year 2014/15. I called HMRC and was told all I needed to do was write in, setting out details of the cash movements on my business account. In February, I received a £100 late-filing penalty as I'd not completed a tax return. I was told to appeal, but have heard nothing.

Omar Mohammed, of Bespoke Capital Consultants Limited (BCC) and Thames Riverside Investments Limited (TRI), offered a pooled funds investment scheme. My partner and I met him at his Canary Wharf office and invested more than £11,000 for two months.After a long time, he repaid £4,200, but nothing more. We went to TRI's Liverpool Street address in London, where we were told it did not exist, and at Mr Mohammed's Canary Wharf address we were told his company had been kicked out.

Our son is currently renting a flat with his girlfriend. We want to transfer him £15,000 for a house deposit so he is not needlessly paying money to a landlord every month. But how do we protect it from his partner in case they break up in the future?