STRAIGHT TO THE POINT

I WAS persuaded by a friend ten years ago to buy one million Iraqi dinars as an investment. I paid £500 for the notes. Where can I exchange them? S. M., Stirling. IrAqI dinars are difficult to exchange in the uK. Specialist currency exchange bureaux such as Travelex and FairFX do not accept them.

Meanwhile, despite Fourex’s website stating it will accept Iraqi dinar notes and coins, a spokesman has confirmed it is currently only accepting the coins.

Moneycorp says it does not take the currency, but it has in the past and may do so again. You can sign up to alerts to let you know when it will buy the notes: email tmqueries@moneycorp.com I SPENT £329.99 in September on a refurbished iPhone 7 from Quick Mobile Fix. But I couldn’t hear anything when making or receiving calls, so I returned it.

The firm said it would refund me within 14 working days, but the money hasn’t appeared. D. G., by email. IT TOOK a number of back-and-forths, but the money is finally in your account. quick Mobile Fix says that the delay was due to a backlog of refund requests. I’VE paid £10 a month for life cover with Britannic Assurance since 1998. It turns out that the policy ended two months ago, but Phoenix Life, which took over Britannic, never informed me. B. A., Blackpool. PHOEnIX says it sent you a letter in 2016 to let you know your policy was due to end on november 1, 2018. You should have had another letter five months before it ended, but an administration error meant it was never sent.

Phoenix Life apologises and has given you £200 compensation.