STRAIGHT TO THE POINT

I SWITCHED from Shell Energy to Bulb in May 2019 and had heard nothing until I received an email demanding £634 in March.

P. M., Horbury, W. Yorks.

SHELL Energy says you did not supply it with accurate meter readings and this resulted in the surprising final bill. You also needed a new meter and this led to a delay in the bill being sent. shell has reduced the debt to £550 as a goodwill gesture.

MY HOLIDAY to Barbados was cancelled on March 19 due to the pandemic. Virgin Atlantic told me to claim on my travel insurance, then offered me a voucher and, finally, a refund. But I’m still waiting to get my money.

T. S., Colchester, Essex.

AIRLINES are currently working through a backlog of refunds. Virgin atlantic say the money has now been paid back into your account.

FOR more than two years, Amazon has been charging me £9.99 a month for an Observer subscription, which I did not sign up for. My bank cannot cancel it and I’ve been unable to resolve the matter with Amazon.

M. F., Fort Augustus.

AMAZON could not explain how this happened, but it has now cancelled the subscription and refunded you the full amount.

WHAT is the difference between a Lasting Power of Attorney ( LPA) and Enduring Power of Attorney (EPA)?

A. S., West Sussex.

AN LPA is set up to make sure a trusted individual can make financial or health decisions (or both) on your behalf if you lose mental capacity.

This replaced EPAs in October 2007.

Unlike an EPA, the LPA must include a ‘certificate of capacity’, which states that the person making the LPA knows what they are doing, and that no fraud or undue pressure has been used.

Only EPAs made and signed before October 1, 2007 can still be used.