専門家s

When we arrived at Gare du Nord 駅／配置する in Paris to get the Eurostar train 支援する to London, I noticed 終点s 申し込む／申し出ing 税金 支援する to 国民s of 確かな countries. To my surprise, I saw the UK 旗 on the 終点 - and then started to think I'd perhaps made a mistake not keeping all 領収書s and 試みる／企てるing to get the 税金 支援する. Could we have ended up with a big refund if we'd kept all 領収書s? And is there a way to （人命などを）奪う，主張する any 税金 refunds now we're home?

I have written twice to Yorkshire-General Life 保証／確信 about an old 年金, but both times, the letter has been returned with a 公式文書，認める 説: 'Not known at this 演説（する）／住所'. The sum is hardly a fortune - but the 会社／堅い appears 決定するd not to 支払う／賃金 out.

I was 冷淡な-called in August by Incrementum 基金ing and told 株 in Paragon Time 貿易（する）ing would be an excellent 投資. I was 疑わしい, but after a number of calls I was 説得するd to 投資する £6,000.

In 1993, we bought a timeshare, now controlled by the Cameron House Owners' Club. We have been asking since 2004 for this to be sold, and we paid all 年次の 管理／経営 料金s until 2012, after which we returned our 所有権 証明書. Recently we received a 需要・要求する for £3,010 with 脅しs that 負債 collectors would be 伴う／関わるd. We have serious 医療の 条件s and cannot use the timeshare. It appears worthless, yet we are still 悩ますd for 支払い（額）.

に引き続いて a 冷淡な call, I received an email from the London 選択 交流 about 投資するing in 直す／買収する，八百長をするd return 選択s. The company 明言する／公表するd it was 登録（する）d with the 財政上の 行為／行う 当局, but gave me a 誤った 登録 number. I phoned the regulator but it said it could do nothing, and I should phone the police. I 接触するd 活動／戦闘 詐欺, but worry that it will either do nothing or be too slow, by which time people will have been defrauded.

I am 令状ing about your article on Paragon Time 貿易（する）ing last Sunday. I was 接触するd by Daniel Knight of Incrementum 基金ing, who over a few days 説得するd me to 投資する £6,000 in Paragon 株 on the 約束 of an 切迫した （株主への）配当 of £135, which did arrive. More calls followed and I parted with a その上の £9,000. (Yes, I know. How stupid).

Last year I 投資するd with a binary 選択s company called Bull Markets 解答s 限られた／立憲的な. With my account in 利益（をあげる） and 持つ／拘留するing almost £11,000, I tried to 身を引く my money but nothing was 来たるべき. I received an email from a separate company, エリート 商売／仕事 解答s, 知らせるing me BMS was in liquidation and エリート had been 任命するd to 回復する （弁護士の）依頼人s' 基金s. It requested 料金s of £3,750 and then a その上の £1,500, which I paid, but recently it requested another £10,500, which I said I could not 支払う／賃金. エリート 示唆するd I borrow the money, which I regard as dangerous.

My daughter and her husband 貸付金d me £30k several years ago so I could 改善する and carry out 必須の work to my home. I asked if they could 減ずる the 利益／興味 率, but they 辞退するd and this 原因（となる）d 摩擦 between us. I have noisy 隣人s from hell and am desperate to move.

T.K. 令状s: I have been in 商売／仕事 as a hairdresser for 20 years at the same 演説（する）／住所, 雇うing two part-time staff. The 協定 between the landlord and myself is that electricity is 含むd in my rent. I have now received a letter from 負債 collector Arvato, 説 that I 借りがある British Gas £20,038 for electricity. I have never even received a 法案 before, though the メーター has been read 定期的に. Can you help?

I got into 負債 but 設立する a reliable 負債 管理／経営 company - Moneyplus. I reached a point where only about 18 月毎の 支払い（額）s were left 予定, but 一方／合間 my two sons and I 相続するd some money which I 投資するd. Half belonged to a son who is mentally ill. When this 円熟したd, Moneyplus took all the money without my knowledge and now wants me to 始める，決める up another 協定.

Ms P.H. 令状s: My adult son lives alone, but 苦しむs with mental health 問題／発行するs. I was 任命するd to 行為／法令／行動する for him in 2008 and his 明言する／公表する 利益s were paid into an account in my 指名する, from which I paid his 法案s and 配分するd him £50 a week. Unknown to me, his community psychiatric nurse took over this 仕事. I discovered this 純粋に by chance. I have written to the Department for Work & 年金s and the 地元の NHS mental health team, but without reply.

F.F. 令状s: I received a phone call from Sky 保護する about 新たにするing cover for our Sky TV system. The 報知係 asked me to 確認する my bank 詳細（に述べる）s, which I gave. I did not think any more about this until I 設立する £249 had been taken from my account by Sky 保護する 限られた／立憲的な. As I 普通は 支払う／賃金 by 月毎の direct debit, I phoned Sky and 設立する that the 報知係 was not from the 公式の／役人 Sky 保護する 計画／陰謀. My bank says it cannot help as I had nothing in 令状ing.

I went ahead with a 所有物／資産／財産 sale abroad, believing that （疑いを）晴らすing the 草案 would take about five days. But when I went to the 支店 with the 草案, I was told it would take four to six weeks. This has left me with insufficient 基金s to buy our new home and the prospect of having nowhere to live.

One of Britain's biggest 炭素 credit 投資 cheats has been banned from 事実上の／代理 as a company director for 12 years. 一方／合間, イスラエル's 議会, the Knesset, has taken the first steps に向かって a 禁止（する） on binary 選択s 会社／堅いs operating from the country.

My 95-year-old mother ordered a fitted 議長，司会を務める from Westminster Recliners 限られた／立憲的な on July 7, for 配達／演説／出産 in August. The 議長，司会を務める has still not arrived. We have tried to 接触する the 会社／堅い several times but were fobbed off with a 動きやすい number that does not work, or told we cannot speak to the 経営者／支配人. My mother has asked for the 契約 to be cancelled and her money refunded, but she has received neither the 議長，司会を務める nor a refund.

We read with 広大な／多数の／重要な 利益／興味 your 最近の stories about FedEx and its 告発（する），告訴（する）／料金s. We were in the US in May and left behind a Fitbit activity wristband. The hotel 申し込む／申し出d to ship it to the UK if we 供給（する）d our card 詳細（に述べる）s, which we did. But my card 法案 was for £82 which seemed 過度の. Shipping 文書s said the 負わせる was 1.2kg yet the wristband 重さを計るs only 30g.

A few days ago I received a Benjamin Britten 50p coin in my change. My dad told me to keep 持つ／拘留する of it as they are rare and fetch やめる a bit of money. I searched the coin on eBay and 設立する some examples of the Benjamin Britten coin 存在 名簿（に載せる）／表（にあげる）d for thousands of 続けざまに猛撃するs. Have a 攻撃する，衝突する a bit of good fortune, or is it a red herring?

A new メーター was fitted and we were 法案d for the old メーター reading. During the years since, にもかかわらず 非常に／多数の 控訴，上告s, we have still not received a gas 法案. We are not in a position to 支払う／賃金 what I am sure would be a 抱擁する 量. However, we would like to （疑いを）晴らす this up and not leave our family with any 財政上の 重荷（を負わせる）. Can you 行為／法令／行動する on our に代わって?

Sky have recently 増加するd its prices meaning our 月毎の subscription would be £65 per month. We are pensioners and this is the last straw for us - we changing over to Freesat. I wrote to 取り消す, but Sky 主張する we speak on the telephone. Why?

Our 国家の 貯金 and 投資s 索引-linked 貯金 証明書s 問題／発行する 48 are about to 円熟した. Should we 新たにする them? And if so, should we 選ぶ a three or five year 称する，呼ぶ／期間／用語? I am a higher 率 税金 payer but my wife is a basic 率 税金 payer. Are there better 取引，協定s out there for us to reinvest the cash in 危険 解放する／自由な?

I have been trying to get a 税金 rebate from HMRC for the past year and feel I am 存在 either fobbed off or 全く ignored. I am 68 and receive a 明言する／公表する 年金 of £75.41 a week and a small 私的な 年金 of £350.72 per 年. On August 24, I received a reply with a cheque for £1 - which I have でっちあげる，人を罪に陥れるd! I wrote again on September 16 but I have heard nothing.

In August last year I received a call from （人命などを）奪う，主張するs 会社／堅い Falcon & Pointer 限られた／立憲的な. It 保証するd me it could get me money 支援する from my bank because my bank had missold 支払い（額） 保護 保険. I was aware of 消極的な publicity about no-勝利，勝つ, no-料金 申し込む／申し出s but foolishly I gave my card 詳細（に述べる）s and £238 was taken that day.

In June, my son and I bought a VW ゴルフ for £4,750. I paid £650 of this on my 全国的な credit card after reading in your column that this would give me 保護 under the 消費者 Credit 行為／法令／行動する. After two weeks, the car gave me trouble and was subsequently 設立する to need nearly £3,000 価値（がある） of 修理s. I tried to return it to the garage as unfit for 目的, but it 辞退するd to take it 支援する.

My brother, who is 84 years old, has just received a letter 説 he has won £325k in the People's Postcode 宝くじ. We are both 極端に 怪しげな, but the letter looks so 公式の／役人 that if it is a scam, it might 井戸／弁護士席 trick a lot of people.There is a People's Postcode 宝くじ, 警告するs Tony Hetherington, but this isn't from it.

I need to borrow some money to 支払う／賃金 for some home 改良s and I'd like to 解放する／自由な up some cash to be able to help my kids, but I don't want 公正，普通株主権 解放（する）. What are the other 選択s that I have and can I get a mortgage? Our 専門家s answer a reader's questions.

I'd been 告発（する），告訴（する）／料金d £632 for the trip I cancelled 同様に as the £1,363.88 I paid for the second 調書をとる／予約するing.I have been trying to get a refund for months, but Expedia keeps telling me I need to （問題を）取り上げる my （民事の）告訴 with a 会社／堅い called Blue Islands, which I've never heard of.

I 適用するd to draw 負かす／撃墜する my 年次の 年金 from Scottish 未亡人s. In previous years, this has been 税金d at the basic 率, いっそう少なく a little 税金-解放する／自由な allowance. I was surprised when all my income was 税金d at 40 per cent. Scottish 未亡人s said it had been 教えるd by 歳入 & Customs to 適用する this to all 年金 drawdowns. Is this a 歳入 策略 to 抽出する money in 前進する 予定 to the new 年金 freedoms?

I had a 賃貸しの 所有物／資産／財産. The tenant left several years ago, after which it stood empty until I sold it last year. British Gas sent me a 法案 for £3,668. I explained that it was for the tenant to 支払う／賃金 and that I had never lived in the 所有物／資産／財産. British Gas said the account would be の近くにd, but now I have been 接触するd by 負債 collectors and I 恐れる that （強制）執行官s will arrive over a 負債 that is not 地雷.

Thanks to one of the warmest winters for １０年間s, a 着せる／賦与するs moth 疫病／流行性の is 予報するd in 2016. 伝統的な natural 治療s for moth infestations have 伴う／関わるd lavender and cedar. But most 世帯s infested with moths find that more 切断する 活動／戦闘 is 要求するd...

I 始める，決める up a pet-sitting 商売／仕事 and made only £20 in the 税金 year 2014/15. I called HMRC and was told all I needed to do was 令状 in, setting out 詳細（に述べる）s of the cash movements on my 商売／仕事 account. In February, I received a £100 late-とじ込み／提出するing 刑罰，罰則 as I'd not 完全にするd a 税金 return. I was told to 控訴，上告, but have heard nothing.

Omar Mohammed, of Bespoke 資本／首都 顧問s 限られた／立憲的な (BCC) and Thames Riverside 投資s 限られた／立憲的な (TRI), 申し込む／申し出d a pooled 基金s 投資 計画／陰謀. My partner and I met him at his Canary Wharf office and 投資するd more than £11,000 for two months.After a long time, he repaid £4,200, but nothing more. We went to TRI's Liverpool Street 演説（する）／住所 in London, where we were told it did not 存在する, and at Mr Mohammed's Canary Wharf 演説（する）／住所 we were told his company had been kicked out.

Our son is 現在／一般に renting a flat with his girlfriend. We want to 移転 him £15,000 for a house deposit so he is not needlessly 支払う／賃金ing money to a landlord every month. But how do we 保護する it from his partner in 事例／患者 they break up in the 未来?