STRAIGHT TO THE POINT

I NEEDED to change my flight back from Bali due to a family emergency. But Norwegian booked my ticket for the wrong date, then refused to change it again until it had investigated what went wrong.

Every time I called, it promised to ring me back, but never did. In the end, I gave up and paid £699 to travel with another airline. This was on top of the £250 I’d paid Norwegian to change my flight in the first place, so now I’m £949 out of pocket. E. H., Coventry. NorWeGIAN has apologised for the inconvenience and agreed to refund you for the flight change fee and the tickets you purchased from the other airline. A spokesman says: ‘our customer care team is on hand 24 hours a day to provide timely assistance to customers, but on this rare occasion, several errors were made. We acknowledge her rebooking should have been made for the correct date in the first instance and then immediately resolved.’ I READ in Money Mail that the average two-year fixed mortgage deal has risen from 2.21 pc to 2.48 pc, and repayments on a £150,000 loan have increased from £7,812 to £8,064 a year. Yet 2.21 pc of £150,000 is only £3,315 and 2.48 pc is £3,720. Why are the actual repayments so much higher? J. S., Warrington, Cheshire. You are calculating only the interest on the mortgage. Most people have a repayment mortgage, where they also pay back some of the original loan each month. This means they will be debt-free by the end of the term. A useful calculator for working out mortgage repayments is at landc.co.uk/calculators I AM interested in investing directly in the Vanguard LifeStrategy 60 pc Equity Fund. What is their telephone number? R. B., Bath.