Page 1 of 2 12 LastLast
Results 1 to 25 of 41

Thread: **Won** Bank-Smart Fees

  • Share
  • Thread Tools
  • Display
  1. #1
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default **Won** Bank-Smart Fees

    Hello,
    Firstly, thanks for providing this forum for people like myself that do not know where to turn in legally challenging situations. I am glad i found you.

    I have read through as many relevant threads regarding Bank-Smart and unfortunately have a similar situation to quite a few others here.

    Back in 2011, I inquired Bank-Smart about any miss-sold PPI on a loan that i took out a few year before with my current lender. Bank-Smart sent me a short letter and contract to sign saying that they could chase this on my behalf which i signed and sent. A short while later ( i don't remember exactly how long) Bank-Smart sent me another letter requesting a number of forms to fill in and provide information of all my banking details. This put me off so i decided to not respond and left it. At the same time, I decided that I would pursue the claim with my lender directly.
    My lender responded and informed me that I was not miss-sold any PPI and therefore not due any compensation. This all happened over a few months.
    I was still receiving forms and requests for further information other than what i had initially provided from Bank-Smart so i decided to call them and informed them that I had already had contact from my lender and than i was not due any compensation. I was given a simple "ok" and left it at that, although I continued to received letters from Bank-Smart asking for more information which i just ignore, believing that they would go-away.

    Fast forward to 2015 and I continued to receive requests for more information from Bank-Smart but also from a Debt Collection agency for unpaid fees.
    I wrote to the debt collection agency and informed them that there was a mistake as i had not agreed to any fees and to stop any further action. Luckily i have not heard from them since.
    I also wrote to Bank-Smart asking them to stop harassing me as I has already informed them that I had confirmation from my lender that i was not due any compensation. I also requested that they do not perform any further action that may incur any fees.
    Bank-Smart asked for evidence of no compensation from my lender, which i provided with a photocopy of the letter. They then took this as a cancellation of the contract and charged me a cancellation fee.
    I wrote back and said that i did not agree with this to which they responded that my only option was to continue with my claim.
    I reluctantly provided them with the details of the loan that i had (acc number, lender name, dates, amounts etc etc) and after a month or so, they said that they had heard back from the lender and that unless i could provide evidence of any miss-sold PPI they would not be able to continue with the claim. They did however claim to find a number of credit card accounts with the same lender which they are adamant was sold with PPI.
    I wrote back saying that I have provided them with all the information/evidence i had and ask how this could be resolved asap without being charged anything. I also informed them that i did not want them to pursue any further claims for any other accounts as they had clearly stated that i was under no obligation to do so.
    So far I have now received another letter requesting for me to sign an LOA for them to pursue these additional accounts and another invoice for a minor breach of contract (I think for not responding in time for a document they are waiting for).

    Do I have any leg to stand on here or have I signed this away with their contract? It feels like they can pretty much do nothing with regards to my claim but send me letter and charge me for the privilege!
    Any help/advice/guidance would be greatly appreciated.

    Thanks
    LC

  2. #2
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    they said that they had heard back from the lender and that unless i could provide evidence of any miss-sold PPI they would not be able to continue with the claim
    Do you have this in writing from Bank Smart? If so could you post the text of the letter?

    Also did you ever sign any LOA with them?

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  3. #3
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hi Exc,
    Thank you for replying. Much appreciated.

    I do have this in writing and the text is as follows:
    "The provider contacted for your claim reference <reference number> against <lender name> has denied that you have any PPI on your account Loan <account number> Loan. Unless you are able to provide any evidence of your PPI policy with them, we will be unable to continue with the claim for mis-sold PPI for this account."

    Yes, i signed the LOA after they suggested that i should continue with the claim to prevent the fees they were attempting to charge.

    Regards
    LC

  4. #4
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Ok thanks.

    Yes, i signed the LOA after they suggested that i should continue with the claim to prevent the fees they were attempting to charge.
    Do you have the above in writing?

    I think you've been misled here. Their terms are pretty clear that you are only liable for any fees once you have signed the LOA, see attached.

    I would raise a formal complaint on that basis and if it's rejected you can then take your complaint to the Legal Ombudsman.
    Attached Thumbnails Attached Thumbnails BS.jpg  

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  5. #5
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Thank you.
    I have an email from them saying that I can either continue with the claim or pay the cancellation fees.
    It was at this point, to avoid the fees, i agreed to continue with the claim and signed their form.

    I also have a written letter stating "We can assure you that any PPI claims you submit to us will not incur any fees charged by bank-smart if no refund is made, we only charge a fee on PPI claims that are successful" !!

    Do you have any complaint templates that you can point me to by any chance?

    Much appreciated.

    LC

  6. #6
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Ok good.

    "We can assure you that any PPI claims you submit to us will not incur any fees charged by bank-smart if no refund is made, we only charge a fee on PPI claims that are successful" !!
    On this it's doubtful if it will assist as they'll possibly be able to ague that they're not charging you fees as such but recouping their 'reasonable costs'.

    Just one other thing:

    I do have this in writing and the text is as follows:
    "The provider contacted for your claim reference <reference number> against <lender name> has denied that you have any PPI on your account Loan <account number> Loan. Unless you are able to provide any evidence of your PPI policy with them, we will be unable to continue with the claim for mis-sold PPI for this account."
    I take it you didn't provide them with any evidence of a PPI policy? If that's the case we can also argue that any contractual agreement you had with them expired at that point.

    Give me a few hours and I'll draft something up for you.

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  7. #7
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Many thanks.

    That is correct. I replied and informed them that I had no evidence and that the only information I did have was the account details which they already had.
    Appreciate the help
    LC

  8. #8
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    There you go.

    Check that the facts are correct and insert the dates where stated.

    Good luck and let us know how you get on.

    FORMAL COMPLAINT

    Dear Sirs

    I wish to make a formal complaint for which I expect to be dealt with in accordance with your complaints procedures and those of the Claims Management Regulator.

    By way of background I signed an initial agreement with Bank Smart in 2011 with a view to establishing whether I could claim any PPI on a particular loan I had taken out a number of years previously with my current lender. I was then asked to sign documents relating to other potential claims I may have had on any financial products I had, which I was unwilling to do.

    I was subsequently and seperately informed by both my bank and yourselves that no PPI policy was attached to the relevent loan. Despite this in 2015 I began to receive demands for payment of 'unpaid fees' from a debt collector acting on your behalf.

    I dispute that I owe any fees to Bank Smart whatsover.

    COMPLAINT

    My complaint has two grounds which I expect to be addressed individually:

    GROUND 1

    It is my view that despite what your terms & conditions say, any contractual agreement between ourselves terminated at the point you informed me that no PPI policy existed on the loan. I refer you to your e-mail of [INSERT DATE] in which you informed me of such. My view that CMC contracts expire when it is established that there is no claim to be made and that you are incapable of providing me with the service I required is shared by the Legal Ombudsman.

    GROUND 2

    As previously stated despite having signed an initial argreement with you in 2011 I had decided not to sign the letters of authorisation permitting you to investigate other potential claims. However on [INSERT DATE] you misleadingly informed me that in order to avoid any fees I must sign a letter of authority. However I now realise that clause 12 of your terms & conditions expressly provides that you are only permitted to levy any charge after both the initail contract and letter of authority had been signed, meaning that your 'advice' actually had the reverse effect.

    Please be aware that should you not uphold my complaint I fully intend to take it to the Legal Ombudsman.




    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  9. #9
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Thank you very much EXC.
    I shall let you know how i get on.


    LC

  10. #10
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hello,
    Its been a while, but i sent a complaint to Bank Smart and got a response literally 6 weeks later!

    Would appreciate some further advice but in a nutshell they responded by saying that i signed the LOA and therefore agreed to their terms and conditions and fees!
    They acknowledge that there was no PPI policy on the loan but they are investigation for default/unfair charges and hence their constant request for additional information, sign more forms etc.
    They also state that it is in my best interest to start claims on two other accounts that "my lender has confirm i did have PPI policies on"
    but they need me to sign more forms for them to do this which i have repeated refused.
    Finally, they have stated that if do not wish to send them any further documents then they will take this as a cancellation and will have to pay their invoice (which they will discount if i pay within x days)!

    They have now sent me another LOA asking for permission to investigate the other two accounts, which i do not want to them to purely for the fact they i do not want to have anything more to do with this company. They have also sent me a form to fill out that is asking to get my credit details from Equifax which they will pay for and help them to pursue any other accounts on "my" behalf.

    Appreciate any suggestions/ advice.
    Thanks
    LC

  11. #11
    Amethyst's Avatar

    Site Owner



    Joined
    May 2007
    Posts
    59,817
    Mentions
    1697 Post(s)

    Default Re: Bank-Smart Fees

    Hi xxx

    You engaged Bank Smart to look at PPI on a Loan.

    They investigated the Loan and found there to be no PPI on that loan. Therefore that should be the end of the contract and nothing is owed.

    You have already informed them of that, and they have refused to accept that is the case.

    I think we need to see the LOA that you signed and the original terms, and any new terms attached to that new LOA.

    They have now sent me another LOA asking for permission to investigate the other two accounts, which i do not want to them to purely for the fact they i do not want to have anything more to do with this company. They have also sent me a form to fill out that is asking to get my credit details from Equifax which they will pay for and help them to pursue any other accounts on "my" behalf.
    bloody cheek. Actually a copy of that new LOA might help if you don't have the one you returned to them.

    Sharon
    xxx
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  12. #12
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hi Sharon,
    Thanks for the quick reply and taking a look at my request.

    I'm sure i have a copy of the old LOA. I'll fish it out and send it over.
    Also, my apologies, but their most recent request was not another LOA but actually a Credit Card and Store Card Charges Questionnaire.
    Are they within their rights to continue pestering me to give them permission to chase this when initially it was just for a loan?

    Thanks
    LC

  13. #13
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Quote Originally Posted by LeafyClover View Post
    Are they within their rights to continue pestering me to give them permission to chase this when initially it was just for a loan?

    Probably not but we'd need to see the LOA. Also can you confirm that the terms & conditions you signed are the same as these? https://www.bank-smart.co.uk/terms_and_conditions.pdf

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  14. #14
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hi,
    Thanks for the reply. :-)

    I remember signing an LOA at the very start of the claim which may have had T&Cs attached to it and they not the same as the the current ones on their site.
    I've attached a copy of the T&Cs that was going around in 2011.

    Since then they have sent me several other T&Cs that i have not signed or sent back to them and they are the same as what is on their site now.

    I have a copy of the original LOA that i signed in 2011 and a recent one that they got me to sign to continue with the claim as they were otherwise trying to charge me a cancellation fee. Would you like me to blank out the personal info and attach it here?

    Many thanks

    LC

    P.S. Apologies for the quality of the picture. Had to take a picture on my phone as i have no scanner!
    Attached Thumbnails Attached Thumbnails BS-TCs-old.jpg  

  15. #15
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Hiya.

    Unfortunately I can't quite read the the T&Cs. If they're from 2011 they may well be different to the ones currently on their site.

    The next step would be to take the complaint to the Legal Ombudsman which I'd be happy to help you with but without the T&Cs and LOAs we're working blind. Is it possible you can get them scanned/copied and either e-mail or post them to me? I'd need:

    1) The 2011 T&Cs
    2) Both LOAs that you signed
    3) The letter(s) you had from the debt collection agency that confirm how much they're demanding
    4) The recent response you had from Bank Smart to your complaint

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  16. #16
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hello,

    Understood and much appreciated.
    I managed to find the T&Cs that you can review, but i will also get access to a scanner and get the LOA's and letters over to you too.

    The old T&Cs are here (and i have also attached it to this post)
    http://www.bank-smart.co.uk/images/T...ditions_X4.jpg

    Thanks
    LC
    Attached Thumbnails Attached Thumbnails TermsAndConditions_X4.jpg  

  17. #17
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Thanks. Are these the only terms you had? They only apply to 'unfair charges', there's no mention of PPI.

    They may argue that the changed terms on their website now apply (term 15) but that in itself is an unfair term in my view as they can change the terms without notice. Be interested to hear what @Amethyst thinks.
    Attached Thumbnails Attached Thumbnails Term.jpg   term2.JPG  

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  18. #18
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hi,

    I've managed to get my hands on an old scanner and scanned the letters and TCs as best I can.
    They have sent me new terms, but i have never signed it. Just the LOA's as felt that I had to in order to stop them from sending me invoices for breach of contract.
    How would you like me to send the scans and should i blank out any person details?

    Again. I really appreciate the help.

    Thanks
    LC

  19. #19
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Hiya

    That's helpful. By all means blank out your personal details and post them up or you can e-mail me with them and I'll do it nickspooner@legalbeagles.info

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  20. #20
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hello,

    I have emailed the scans over and blanked out what i thought was neccessary.
    Please let me know if there is anything else that you require.

    Again, many thanks

    LC

  21. #21
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Ok thanks I'll take a look later.

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  22. #22
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    I've attached the docs in a single PDF for ref.

    In their response to the complaint (pages 2&3) they are saying that although your original claim to Lloyds had no PPI they were ''now investigating the lender for default/unfair charges that may have been applied''. The LOA you signed for this is dated June 2011 and the terms & conditions included the service of claiming for default/unfair charges so quite why they are still 'investigating' this 5 years later seems completely unreasonable to me.

    They've conceded that you if you don't want to start any new claims you don't have to and no fee will be applied.

    They then go on to say that if you don't want to provide the documents that they are asking for (presumably for the original claim) they'll charge you for cancelling. But the fact is that you provided the documents already in 2011.

    Do you agree?

    If so I'll draft the complaint to the Legal Ombudsman on that basis.
    Last edited by EXC; 20th July 2016 at 09:39:AM.

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  23. #23
    LeafyClover's Avatar

    Junior Member



    Joined
    Feb 2016
    Posts
    18
    Mentions
    0 Post(s)

    Default Re: Bank-Smart Fees

    Hi,

    Almost.
    I signed the LOA in 2011 but that was it. They sent me a few other forms to fill out which put me off using them so i ignored them.
    I then went directly to my lender and they confirmed that there was no PPI miss-sold so i informed Bank Smart over the phone and left it at that.
    Bank Smart continued to send the occasional form over the next few years until 2015 when they involved the Debt Collection agency.
    I wrote back to the debt collection agency and said this was a mistake and have not heard back from them since.
    I also wrote to Bank Smart and said that i had already contacted them to say the lender had been in contact with me and confirmed there was no miss-sold PPI. Bank Smart then took this as a cancellation and tried to charge me with a cancellation fee. I said that this was not the case and they harrassed me to the point where I either had to continue with the claim or pay a cancellation fee.
    As they state that there is no fee for unsuccessful claims and i knew that this would be unsuccessful i signed another LOA as i did not want to pay a cancellation fee.
    They continued with the claim and confirmed that there was no miss-sold PPI but asked for any further information that may help them with the claim. I said that i had provided them with all the info that i had but they continued to send further forms for the loan and then the other accounts!
    I have written to them a number of times and specified that i do not want to pursue the other accounts, but they continue to send the forms to me.
    The are now asking me to fill out a form to allow them to get my credit history with Equifax (that they will pay for!) which i certainly do not want to do.

    I hope this make things a little clearer?

    Thank you
    LC

  24. #24
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Ok thanks leave it with me. I removed the PDF.

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


  25. #25
    EXC's Avatar

    Site Owner



    Joined
    Jul 2007
    Posts
    18,138
    Mentions
    139 Post(s)

    Default Re: Bank-Smart Fees

    Just a couple more questions (sorry).

    Quote Originally Posted by LeafyClover View Post

    I then went directly to my lender and they confirmed that there was no PPI miss-sold so i informed Bank Smart over the phone and left it at that.
    When was this?

    They continued with the claim and confirmed that there was no miss-sold PPI
    When did they first confirm this, in their letter of 22 April 2016?

    I like your pin shot
    I keep it with your letter
    Done up in blueprint blue
    It sure looks good on you
    And when you smile for the camera
    I know I'll love you better

    Then the shutter falls
    You see it all in 3-D
    It's your favorite foreign movie

    'Peg'

    Donald Jay Fagen


Page 1 of 2 12 LastLast

Similar Threads

  1. Bank-Smart - Court Claim
    By jabill in forum Received a Court Claim?
    Replies: 50
    : 14th July 2017, 16:36:PM
  2. Bank smart
    By danialjones in forum Claims Management Companies
    Replies: 29
    : 28th July 2016, 13:24:PM
  3. bank smart fees and invoices
    By skallywag64 in forum Claims Management Companies
    Replies: 6
    : 24th July 2016, 18:32:PM
  4. Bank Smart
    By VICJAPP in forum Claims Management Companies
    Replies: 4
    : 31st December 2013, 13:05:PM
  5. Bank Smart
    By VICJAPP in forum PPI - Payment Protection Insurance Reclaiming
    Replies: 4
    : 31st December 2013, 13:05:PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeagles® are DPA Registered No. ZA158014
LegalBeagles® is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.

To find out more about managing your money and getting free advice, visit the Money Advice Service,an independent service set up to help people manage their money.

TOP