If you do the sums, the figures definitely don't add up. The only way you can reduce your mortgage is by overpayments. Most lenders allow you to do this. Even Northern Rock are allowing me to do it without charging me. I'm paying £200 in overpayments and that is knocking over 9 years off my mortgage. Depending on your lender you can ...

I sympathise with all of you stuck with NR. My understanding is that NR want to get shot of a big chunk of its mortgages. The easiest way of them doing this is by making it too costly for customers to stay with them so they make themselves the total opposite by being uncompetitive. I too am a customer but thankfully (more by luck then good ...

I took the advice of Martin Lewis, all be it a bit late and capped my fuel prices until July 2010 after rumours of a possible price hike come January 09. However now there are rumours of a possible price cut next year and since the Government are piling on the pressure with Energy companies, what is the likely outcome of this? Have I made a big ...

Not had a meter check since I came off Economy 7 and went to single rate in May of 2007. To be honest, I don't think Southern Electric were too interested since I'm in the process of leaving them. I do intend to take monthly meter readings with my new supplier, Eon, and will keep a personal record of them to work out my daily usage over a ...

2 months ago I submitted a reading (electricity) to my supplier, at the same time I enquired as to the balance of my account, which was £43 in credit. I then received a bill last week stating that I now owe them £199. During this period I made a total of £140 in electric payments, meaning in the space of over 2 months I had used ...