Margaret Dibben writes your wrongs

Margaret Dibben writes your wrongs

NL, London

The restaurant is wrong and should contact the bank that handles its card payments for reassurance. The transaction is classified as 'cardholder not present'. When taking your order, it should ask for your name and address and the three-digit security number on the credit card. For extra security, the delivery person should check the card before passing over the poppadoms.

Cancelling my policy proved More Than unlucky

When my More Than car insurance came up for renewal, I found a better quote and cancelled it. I then received a default notice claiming I owed them for another year.

More Than also demanded sight of my new insurance certificate. I told them that wasn't their business and received a demand for £14 for the period between my policy lapsing and 4 January.

SS, Spalding

More Than has no record of your call to cancel the policy. When it didn't receive the £28 premium in December because you had stopped the direct debit, it automatically sent a default notice served under Section 87(1) of the Consumer Credit Act 1974, which is more of a threat than a reminder.

Renewal letters must be written.....continued below

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More Than admits that asking to see your new insurance certificate before it could confirm your no-claims bonus to the new insurer was an error. You should receive proof automatically. The customer manager then mistakenly cancelled your policy from the date on the renewal letter rather than the renewal date itself, and so tried to charge you for another month.

After a further phone call you agreed to send confirmation of your new insurance. But the customer manager failed to make it clear that this must come from the insurer. Instead, you wrote and, because the policy had been cancelled, the letter was simply filed. More Than offers £100 to compensate for the time it has taken to sort out this mess.

Where do the rules on pre-owned assets leave us?

It used to be good inheritance tax planning to change the ownership of a property from joint tenancy to tenants in common so each parent could leave their share separately to their children and use two inheritance tax nil-rate bands. Does this still apply with the new pre-owned assets rules?

GS, Sutton