You've probably already seen that the government has launched a new consultation on credit and store cards and has announced proprosals to ensure banks and building societies give consumers a fairer deal. The main areas of focus are: Allocation of payments - if you use your credit card to transfer a balance on to and for spending, you may ...

Hi all we know it's nearly a year since the collapse of the Icelandic banks and that those of you who had money in offshore accounts are still battling to get your money back. We're planning on raising the awareness of your plight again as in many ways you're the forgotten victims of this crisis, so please let us know how you're ...

Hi keenerwalker I've just checked the details about the new ISA limit and you will be able to invest the additional money in your ISA from 6th October. Clare

Hi Lionel It depends whether you are only looking to invest this year's cash ISA allowance or whether you also want to transfer money you have in other cash ISAs that was invested in previous tax years. If you are looking for an account for this year's allowance, Barclays' Golden ISA has the highest rate at 3.61%. This is an easy ...

1/ What are you doing for Christmas? Cooking Christmas dinner for eight, then I'll be collapsing with some nice red wine (or maybe champagne, or maybe both...) 2/ Best ever Christmas present?When I was about 8 all I wanted (for some reason) was plasticine and I got this set with loads of different colours in - all my other presents that year ...

Hi Gordon yes, it's the full £50,000 that is protected. Anything above this amount is not guaranteed which is why it is worth spreading your savings between different institutions if you have more than £50,000 in cash. I hope that helps. Clare

Hi bigsalmon I'm obivously not Kevin but I can answer your query! If you have loans and savings with the same institution, as is the case with an offset mortgage, and the bank goes bust, your savings would be used to reduce the value of your debt. So just to confirm, rather than get any money refunded through the Financial Services ...

Hi Maggie I've just spoken to Barclays and they've given me a number for the 'Assets Reunited' department where someone should hopefully be able to help you. The number is 0870 429 2432. Thanks Clare

Hi Backfoot Unfortunately, it doesn't work like that. In order for me, or any other journalist, to get a company to change its policy I need to provide evidence that there is a huge problem and so far I have had only four cases to put to them. If I had hundreds or thousands of complaints, it might be different but as I don't, all I can do ...

yes of course. If you could email me, clare.francis AT moneysupermarket.com and detail the problems you're having. I'll also need your account number, address and a contact number. Thanks Clare