STRAIGHT TO THE POINT

I READ in Money Mail last week that if you bank with Lloyds, you can pay in cheques by taking a picture of them on your mobile phone. But when I looked for this option in its mobile banking app, I couldn’t find it. S. B., Leeds. LLOYDS Banking Group, which also owns halifax and Bank of Scotland, says it gave us the wrong information. It is not yet able to do this, but is hoping to by early this year. I BOUGHT four tickets to a show at the Royal Albert Hall online from Viagogo. I paid £267 for an unrestricted view, but when the tickets arrived, they said ‘restricted view’. The firm said it would investigate, but I still don’t have the correct tickets or a refund. P. W., Surrey. VIAGOGO allows people to resell their tickets to plays, concerts and events. In this case, it seems the seller was not able to provide the tickets you originally ordered, so Viagogo has agreed to refund your money. IN JULY, I noticed that three payments I didn’t recognise had been made from my bank account. HSBC refunded me the £180, but later sent a letter saying the transactions appeared to be correct, so my account would be re-debited. I have been back and forth with HSBC, but to no avail. E. H., London. HSBC says it will not take the money back from your account. It claims the retailer that received the money had provided the bank with documents that appeared to include your correct name and billing address.

this meant you needed to complete some extra paperwork to confirm the transactions were fraudulent. WHEN I bought a bathroom suite from Homebase in March 2016, I was assured it had a ten-year guarantee. Yet when the soft-close toilet seat stopped working last August, I was told I wasn’t covered because it was an accessory. Apparently, these are protected only for 12 months.

Homebase agreed to fit a new one as a gesture of goodwill, but I’m still waiting for an appointment. M. P., Bristol. HOMEBASE apologises for the delay. It has now scheduled a time to fit a new toilet seat as promised.