YOU HAVE YOUR SAY

EVERY week, Money Mail receives hundreds of your letters and emails about our stories. Here are some of the best from our story about how shoppers are being lured into buy-now, pay-later deals that have hidden interest charges and late payment fees: PEOPLE difference need betweento learn wanting the and something needing.but youIf can’tyou afford want it, You then shouldn’tyou have be to wait spendingfor it. money you don’t have. S. V., Cornwall. THESE firms want you to forget to pay. That’s how they make their money. The terms are set out in the agreement. T. B., Blackpool. WHATEVER happened to saving your money and paying with cash? Who would even take out one of these deals? People need to learn to live without debts. D. E., Edinburgh. VERY few people leave school knowing about credit cards, mortgage rates and the tricks firms use to make money. We need to teach children this so they know more about money when they enter the real world. V. G., Southport, Merseyside. THERE should be more rules about how companies advertise these finance deals. Yes, individual responsibility comes into play here, but big shops prey on the fact most people don’t know much about money. G. F., Southampton. I BOUGHT a large item from a High Street store with deferred payment of a year. I put a reminder in my diary and paid it off with a month to go. If you don’t want to pay any interest, that’s the way you need to do it. A. D., Stroud, Gloucestershire.

÷ WRITE to Tony Hazell at Ask Tony, Money Mail, Northcliffe House, 2 Derry Street, London W8 5TT or email asktony@dailymail.co.uk — please include your daytime phone number, postal address and a separate note addressed to the offending organisation giving them permission to talk to Tony Hazell. We regret we cannot reply to individual letters. Please do not send original documents as we cannot take responsibility for them. No legal responsibility can be accepted by the Daily Mail for answers given.