Accountancy business owner Heather Rogers is This is Money's resident tax expert. Here is where you can check out all her previous columns to see if any involve issues affecting you.
His earnings are determined by his tax returns in which he has for years declared little or no earnings. I used to report him to HMRC using the online report form but they do nothing.
The savings figure was supplied to HMRC by National Savings. Unfortunately, I have no such account or interest. It is fictional.
I've managed my own investments and savings so far, and have built up a huge sum, but am now in a position where I think I need help.
I am in the fortunate position of earning more than £100,000 a year but this means that I am one of the people who lose their personal allowance. All earnings come from my employer and I am PAYE...
I issued a court claim for £350 against LG. The firm did not put up a defence and it was paid after I engaged bailiffs. The money is now with the court, but it won't pay me.
My insurance company Admiral, with whom I have been making a claim have only agreed to pay half the accommodation costs for our trip.
My estranged husband died suddenly. I arranged his cremation via Co-op Funeralcare. When I opened the box containing his ashes, I was shocked to find paper with details of a different man on it.
When I added in the £2,025 of savings interest that I had received my tax bill went up by an extra £1,016. If you consider £500 of that should be tax-free, I've been taxed 67%.
There was no in home monitor device at the property, and British Gas are refusing to supply one as the meter was installed more than a year ago.
We booked to fly, but they changed the flight times by two days so we had to claim a refund. I have since contacted them more than 20 times, but I have received nothing.
By mistake, £15,000 has landed in my account - I'm not surprised as my bank is hopeless these days. I'd like to spend it on a new kitchen. Can I keep the money?
As a vicar for the Church of England my housing is part of my stipend so our family home has been rented out for about 18 years. We are thinking about selling it and buying another home to retire...
My husband and I have very different views on money. I am conservative, whereas money literally burns a hole in his pocket. What should I do? Money psychotherapist Vicky Reynal replies.
My local coffee shop has stopped accepting cash which is frustrating as I do not want to use a card for purchases only worth a few pounds. Isn't this illegal as cash is still legal tender?
A lying London investment company has been banned by the Financial Conduct Authority from carrying out any activities that need its permission.
I am having a difficult time with Everlast Gym and my membership. I joined in January 2022 and only went four times. Then, unfortunately I had a seizure in January 2023.
My wife and I went for my birthday dinner at an expensive London restaurant and I got food poisoning. Can we get our money back?
I purchased my 2021 Hyundai Hybrid on May 20 last year and subsequently replaced the standard number plate with my personalised plate.
Investment firm Tradesafer promise daily high returns, and my account shows a £500 profit, but they have ignored several attempts I made to withdraw the money.
In my experience even the happiest of clans can come unstuck when the issue of money arises. Many families don't talk about money. They argue about money.
I'm looking to buy my first home but I've switched banks a few times in the last year to make the most of free cash bonuses. Is this a problem?
I am part of Uist Cat Rescue volunteer group. A previous member set up a PayPal account for us to receive donations and pay for food and litter.
My chicken curry ready meal had only four measly pieces of meat. I was starving so ate the lot as I'd just come off a long shift but I kept the packaging. How do I complain?
I bought several prints with my Halifax card. I was persuaded to buy more after a gallery 'offered' double my investment. The sale never happened and Halifax won't refund me.
I am going on holiday in three weeks and I want to take out £500 worth of Euros to spend while I'm abroad but I don't know where or when to take it out to get the best rate.
I purchased a laptop in November and had cause to send it back in December. The retailer repaired it but now the problem has occurred again.
A ring I made for a client was posted by Royal Mail Special Delivery and insured for the maximum allowed £2,500 but the parcel did not arrive.
My next-door neighbour is noisy, their garden is a mess and their house could do with some TLC. I am selling my house - is it illegal for me not to declare them as a problem?
DCB Legal has got a court judgment for £304 against a Mr Stroud at my father's home address. But no one named Stroud has lived there.
I bought shelving online and now the firm says there was a price glitch on the website. They've offered to refund me or I pay the discrepancy.
Last May they advised my number plate had been sold for £150. Since then, they have failed to pay me.
Can I sell my Christmas gifts and other items I don't want without paying tax? It depends on what you are selling, why you are selling it and whether you make a profit from the sale.
I recently retired and wanted to put £50k in premium bonds and £200k in a growth bond, which in September last year was paying 6.2% gross.
I read your article about the dodgy art seller Marks Art and felt like saying: 'Hallelujah, finally someone understands!'
Heather Rogers is This is Money's resident tax expert, and she has fielded all manner of questions over the past year.
I paid a deposit for a Christmas Eve dinner at our local restaurant. Sadly it wasn't up to much, service was slow, the food overcooked.
I've had more than £600,000 refunded this year alone - and with the continuing cost of living crisis it's crucial every penny is safeguarded.
I took out a warranty which promised to fix or replace a covered item. But the rocketing price of parts means the £599 payout now covers barely a third of the cost of buying a new one.
My daughters each own a house (outright, no mortgage); one in Oxford and one in Cambridge. Due to changing work locations they now wish to swap ownership of their houses.
I am writing to you on behalf of my 20-year-old daughter who booked a four-day holiday to Spain with Sunseeker Travel Group for £400.
I'm tempted to buy a 'designer' handbag from my local market as a Christmas gift. It's clearly a fake, but is it illegal for me to own?
The company is demanding parking penalties said to relate to others at our address. We have no idea who these people are.
Earlier this year, I decided to stock up on stamps before they went up in price, but I miscalculated what I needed and purchased far too many.
I want to decorate my house with holly for Christmas. Is it illegal to cut it from bushes on the road and in my park?
I saw your article about Havering Council and the difficulties a reader had in getting back a property that was rented to the council. Barking and Dagenham are worse.
My faulty fridge caught fire and burnt down my kitchen. Am I within my legal rights to claim for a new kitchen from the manufacturer?
My father is 87 and until 2022 was still working as an accountant. This year he's been showing signs of dementia with memory loss.
I paid £199 deposit and Anglian said if I cancelled before a surveyor visited, I would have nothing to pay. I cancelled but now the company wants £1,409.
I paid a £1,000 deposit for a wedding dress but a few days later I found another dress I liked more so I cancelled the order.
The TUI website shows that the room we have booked can accommodate two adults, one child and one infant - but the firm is still insisting that we pay to upgrade.
My husband bought a check meter and found the smart meter was recording three or four times the true figures.
My plumber keeps not turning up to fix my bathroom. So far, he's made excuses but I want him to do the job. Can I demand money off the bill?
My dear wife passed away in December last year. She had a loan with Creation that she had taken out more than two years earlier.
On the second night, the carbon monoxide alarm sounded. An engineer advised it was unsafe to remain, so we packed and drove home at midnight.
I have one son married but one of them is a spendthrift. I would like to give them enough in the will to clear the balance of their mortgage and say enough to live on per year.
There is a misconception that parking in front of someone's driveway or the entrance to their property is illegal due to Rule 243 of the Highway Code
I hired a car from Europcar at Pisa airport in Italy. It was a new vehicle, with a few miles on the clock. The day before travelling home, it would not start.
Here is something I do not often say to readers: the bank is in the right; you are in the wrong.
I damaged an alloy wheel driving over a pothole. I called the council but was told that while I am legally entitled to make a claim, it is unlikely to be upheld.
In September 2022. I purchased two tickets for An Evening With Al Pacino through ticket agency Eventbrite at a cost of £850.
I sold my laptop on eBay for £728. I paid Evri £25.80, including insurance. The package never arrived and I had to refund the purchaser.
Barclays keeps threatening to close my account. I have been a customer for 13 years, but it got in touch a year ago asking for business information.
I made a claim on my home insurance policy after my house was damaged by last week's heavy rainfall. But my claim has been rejected by my insurer.
I'd never been able to justify the price tag of €300 (£260). I ordered the vase at the end of December, and it was shipped straight away.
Last year I was treated for prostate cancer. On June 14 this year, my wife and I were on a short break in Cornwall when I was caught short while driving.
I wasn't able to turn up for my haircut last week and now my hairdresser is charging me for the missed appointment. Is that legal?
I am pretty sure that Jonothan Piper, jailed for running Embassy Wine UK Ltd, is the same person as Jon Sullivan, now an adviser at Yield Gallery, an art investment company.
I want to have branches from a neighbour's tree which overhang my garden cut down. I'm worried they will damage my house if they are blown down.
I recently logged into my account with software firm McAfee. My account showed that the anti-virus and internet security expired in January 2017.
My understanding was if I only owned a property in Australia, showed my ties to the UK were cut and lived here long enough my estate would fall outside of any UK Government inheritance tax claim.
My tenant moved out and it was empty for three months. Recently, gas and electricity on my second home has typically cost about £200 a month.
I've just had my home insurance renewal notice from AXA, and it has inexplicably increased my annual premium from £320 to £856.
I've made a claim on an extended warranty in relation to my faulty oven. The claim has been accepted, but the warranty provider keeps cancelling.
I purchased the clock at auction, and arranged for packing and shipping using UPS. But the company miscalculated tax and duties.
It's a common complaint that hotels and hotel rooms look nothing like the pictures on a website.
I received an email saying I was to receive a full refund of £838, but it has never turned up.
I pay to have a cousin's grave maintained in London. Earlier this year, I was asked to send £220 to continue this service for the next ten years.
Interest was fixed at 11.75 per cent and repayment due in February 2022. My letters to the company go unanswered.
I took a jumper to Sunlite Dry Cleaners in Sunderland in March but when I got it back it had shrunk. I discovered Sunlite has gone bust.
We ordered an Ikea kitchen in December 2021. We were told it would be delivered at the end of February and installed the following week.
While the emotional impact of a dog bite cannot be insured against, the financial impact to the dog owner can be.
I moved to London from the East Midlands, and now can't find a home that is suitable for me and doesn't breach the £450,000 limit. What are my options?
I bought a £269 memory foam mattress in a box from Dunelm for our spare bed. When I unpacked it at home, the mattress started growing hugely.
I received a call last week from a caller claiming to be from Metro Bank fraud protection team. She told me that my account had been compromised
SSE discovered that the meter was on its database as Pay As You Go, but I could see that it was a normal credit meter. I have still not been charged for gas.
I purchased trainers from an EU website. They were advertised at £145, but I have now been hit with additional import and tax costs. Can they do this?
In 2019 I applied for a refund of PPI premiums that I'd paid on some loans. I received the money owed with no problems.
He knew all the details of my art portfolio and said I could sell my prints, but I had to pay £6,600 up front to have them sent from storage in Switzerland.
I have Enduring Power of Attorney for my father who is in a care home. I wanted to invest in NS&I Guaranteed Income Bonds to pay the fees, but it says there is a problem.
I am 80 years old and care for my husband, who has Alzheimer's. In January this year, he had a hearing test at Boots Hearing Care in Stockport.
I bought a two-year-old car from a reputable local dealership and it was described as having one previous owner. I checked the service book to discover the car was brand new.
Could we have ended up with a big refund if we'd kept all receipts? And is there a way to claim any tax refunds now we're home?
I've noticed in your monthly list of Premium Bonds winners that there never any prize winner from these places - is it bad luck or something else?
Savers moving their money between different types of Isa have been left in limbo due to lengthy transfer delays, This is Money has found. How long should it take and will interest be backdated?
In order to offset an increase in its charges, Tier One recommended we move our investment. This reduced the stability of our pension fund.
Mercedes has recalled my Class 350 saloon car due to a problem with bolts in the steering system. The recall letter stated that fixing this would take between one and four hours.
In January I switched my broadband to BT, as I needed a faster, more reliable connection that could cope with five people in our household often being online at the same time.
I invested in Paragon Time Trading. You wrote about this, and its links to investment sales company Incrementum Funding, owned by Timothy Sandhu.
I purchased an Audi A1 from a dealership in Swansea. As I live nearly 200 miles away, the whole deal was transacted online. I feel I made a mistake - does the 14-day cooling off period apply?
Revolut will not accept her complaint or refund the money, stating that she would have received online warnings. Is there any way to get the money back?
My financial adviser came to me with an offer to invest in shares. I sent him £25,000. I later found he bought the shares in his own name. He said the money had been a loan.
I ordered three dresses from online shop Shein two months ago and have still not received my delivery. Shein says the parcel was delivered.
One of my daughters sadly passed away earlier this year. Some time later, her husband gave her Apple Watch to my other daughter.
I looked into it and have seen conflicting advice with some saying the council can still put a charge on my property for care costs.
My mother has received an email from the IFFIA. Have you heard of this firm? My concern is that this could be just another scam.
I was due to take an 8.50pm flight from Geneva to London. However, on the morning of the day of my flight, strikes were announced at the airport.
My current mortgage with Nationwide, with whom I have been for 20 years, expires in December. But they will not offer me a new deal due to my age.
Our reader is refusing to pay a £170 penalty to Euro Car Parks as - he says - he paid for the parking and can prove it.
There were no warnings to say it was a 'lead booker event' - which means the person who books the tickets has to attend.
A debt agency is chasing me for more than £2,000 after a fraudster used my company name and address to open an account with payment service Worldpay.
I'm supposed to be going on a big family holiday to Greece with grandparents and little ones in tow later this month. But the heat looks unbearable.
I was assured I would get my house back after giving three months' notice to the council, as the council is legally my tenant rather than the actual occupant.
I moved into a new-build property in July 2022. The property had a smart meter, however there was no in-home display left in the property by the prior residents.
My round trip from London Gatwick to Dublin Airport with Ryanair was delayed by a combined total of three hours if you take into account delays on the inbound flight and the outbound flight.
I am having a nightmare with the Driver & Vehicle Licensing Agency renewing my licence so I can pick up a motorhome I am purchasing.
I had double glazing installed in January 2022. I paid partly in cash, partly by bank transfer. After completion of the job, lots of problems came to light.
NS&I is refusing to make any payment, stating this will have to go to probate - but this may take a long time and it is the only money that my mum has to live on.
Can you help me get my money back from Wines Premier Cru Limited?
I have written twice to Yorkshire-General Life Assurance about an old pension, but both times, the letter has been returned with a note saying: 'Not known at this address'.
I was cold-called in August by Incrementum Funding and told shares in Paragon Time Trading would be an excellent investment. I was persuaded to invest £6,000.
In 1993, we bought a timeshare, now controlled by the Cameron House Owners’ Club. We have been asking since 2004 for this to be sold. Recently we received a demand for £3,010.
I was contacted by the London Option Exchange. The company stated it was registered with the FCA, but gave me a false registration number. Why will nobody help before people get defrauded?
Daniel Knight of Incrementum Funding persuaded me to invest £6,000 in Paragon shares on the promise of an imminent dividend of £135.
I invested with a binary options company called BMS. I had £11,000 in my account but was contacted by Elite saying BMS was in liquidation and it was recovering client funds. It keeps asking for ...
My daughter and her husband loaned me £30k several years ago so I could improve my home. I asked if they could reduce the interest rate, but they refused.
have been in business as a hairdresser for 20 years at the same address. The agreement between the landlord and myself is that electricity is included in my rent.
I got into debt but found a reliable debt management company - Moneyplus. My sons and I then invested an inheritance but when this matured, Moneyplus took all the money without my knowledge.
F.F. writes: I received a phone call from Sky Protect about renewing cover for our Sky TV system. The caller asked me to confirm my bank details, which I gave.
Ms P.H. writes: My adult son lives alone, but suffers with mental health issues. I was appointed to act for him in 2008 and his state benefits were paid into an account in my name.
I went ahead with the 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.
One of Britain’s biggest carbon credit investment cheats has been banned from acting as a company director for 12 years.
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 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. Hotel offered to ship it to the UK if we supplie...
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.
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.
Sky have recently increased its prices meaning our monthly subscription would be £65 per month. 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 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. On August 24, I received a reply with a cheque for £1 - which I have ...
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 PPI.
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...
My brother has 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.
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.
I'd been charged £632 for the trip I cancelled as well as the £1,363.88 I paid for the second booking. Expedia keeps telling me I need to take up my complaint with a firm called Blue Islands.
I applied to draw down my annual pension from Scottish Widows. In previous years, this has been taxed at the basic rate. I was surprised when all my income was taxed at 40 per cent.
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.
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. 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.
I invested more than £11,000 for two months with Omar Mohammed, of Bespoke Capital Consultants Limited and Thames Riverside Investments Limited. But I was repaid only £4,200.
We want to transfer our son £15k for a house deposit. But how do we protect it from his partner in case they break up in the future?