Martyn Saville

The Bank of England is considering replacing the current £5 note with a plastic version, as well as making the £50 note more durable and harder to counterfeit. So is it time for a total revamp of the UK banknote system? (more about changing UK banknotes...)

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Thousands of existing Northern Rock and Bradford & Bingley mortgage customers are being contacted to make sure they’re coping financially. Sounds like a responsible approach to me. So why the furore? (more about mortgage lenders...)

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In an age of civil partnerships and gay fostering and adoption, I can’t think of any financial product that now needs to be tailored to a gay customer base, or which discriminates against it. Can you? (more about the pink pound...)

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Reforms to the financial advice market come in at the end of next year, and yet there are suggestions to delay by another year. My message to financial advisers? If you can’t meet the deadline, get out of the industry. (more about financial advice qualifications...)

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Banks probably feel like they get a bum rap from consumer groups and the media. Most of the time they deserve it. So when banks do charitable work in the community, is it a cynical marketing ploy or genuine help? (more about charitable banks...)

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Debt management companies are offering cashback through sites like Quidco. I think it’s wrong to offer a £25 incentive to people struggling with their finances, only to charge them hundreds in debt fees. (more about debt cashback...)

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With Dolphin and Möben calling in the administrators and Habitat in trouble, the high street's ‘doing another Woolworths’. Many have paid for goods they may not receive, so who should pay out when a company fails? (more about getting your deposit back...)

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If your bills are mounting and your overdraft’s creaking at the seams, would you turn to your bank for help? My immediate instinct would be to say ‘no way’, but my logical response is ‘yes, of course you should’. (more about money help...)

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You ask: I did a free trial credit check on Creditexpert.com... the only thing is, it isn't free unless you cancel it. When I phoned customer services, I was told I would get a refund, but four days later I had no refund. (Q&A on free credit checks...)

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New research shows that the number of long-term unemployed is at its highest since 1997, with the largest rises among the over-50s. Maybe it’s time to target the over-60s 'job-blockers' and force them to retire? (more about older 'job-blockers'... )

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The banks now have holidaymakers in their sights, charging extra fees to buy foreign currency even before they’ve left the UK. And that’s on top of what the Bureau de Change already charges you… (more about buying foreign currency...)

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How often do you complain when a train's delayed or you receive terrible customer service? If companies took these complaints seriously it would save us the hassle of getting ombudsmen involved. (more about complaints handling...)

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