STRAIGHT TO THE POINT

WE HAVE an annual travel insurance policy with cancellation cover, which expires next month. But we have booked holidays for next year. Do I need to take out a new policy now to cover these, or can I wait until my existing one expires? K. S., via email. yoU can wait. your cancellation cover will be valid until the policy expires. Should you need to cancel a holiday before next month, you will be able to claim, regardless of when the trip is. be sure to have your next policy lined up so there’s no break in your cover. I KEEP getting phone calls about investing in fine wines. The caller says the name AWRS. Should I invest? K. C., Kent. treAt any call about investing in wine with suspicion — it is high risk and you could lose a lot of cash. Moreover, many people touting wine investments are scammers. the ‘AWrS’ name you refer to is a scheme that gives businesses the seal of approval to sell alcohol. but mentioning that is no guarantee someone is telling the truth. Steer clear! I BOUGHT a fridge from Argos that was advertised as ‘frost free’. When I used it, this turned out not to be the case. But the shop won’t refund me because it’s used. J. B., Doncaster, South Yorks. ArgoS has apologised for the confusion and, because you’ve already bought another fridge, offered you a refund. VIRGIN Media promised to refund me £50 after I complained about poor service, but I haven’t received a cheque. Please can you help me get the money I am owed? J. S., Tamworth, Staffs. the telecoms provider has apologised for the delay in processing your refund and has now posted you the promised cheque. I ORDERED wooden patio doors and a window from Magnet — but when my builder came, he found that one of the locking points was misaligned and a section of wood was warped.

The company sent me £150, but this won’t pay for the work to fix it. S. C., Somerset. MAgnet says these problems are rare and has sent you a replacement door and window, plus £300 to pay for the work.