STRAIGHT TO THE POINT

MORE Than keeps sending me demands for money, even though I’ve switched to a new insurer. Can you get it to stop?

A. D., Lincoln.

THE insurer says the letters were sent wrongly due to a system error. It has apologised and offered you £50 as a goodwill gesture. EBAY promised me a £35 refund over a dispute about a faux fur coat I bought in November. In December, I was told the money would be in my account within 48 hours. But it never arrived. Now, eBay is blaming PayPal.

K. B., Staffordshire.

THIs has been dragging on for months. It transpires that you bought the coat through the guest checkout, so the transaction didn’t go through your PayPal account. PayPal has now given you £35 as a goodwill gesture. I’VE been trying to access my online Vodafone account to view my itemised bill since September. Trips to a local branch and hours on the phone haven’t helped.

P. P., Stockport, Gtr Manchester.

VODAFONE says you are now set up on its mobile app, where you can view bills at any time. It has offered £60 as a goodwill gesture for the inconvenience. SINCE retiring, I have worked part-time and continued to pay into a private pension every year. I’m now worried I might have breached the £1 million lifetime allowance for pension saving.

B. I., by email.

Speak to an adviser as soon as possible. You can face a 55 pc tax charge if you go above £1 million.

To find an expert near you, visit thisismoney.co.uk/find-an-adviser or call 0800 023 6868.

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.