And on the way back, our coach driver fell asleep...

And on the way back, our coach driver fell asleep...

As it was late, foggy and we live closer to Chichester than Bournemouth, we asked to be taken home. The next day we paid £50 for a taxi to collect our car from the airport.

We had only one reply from Thomson Fly to our letters and phone calls. It said we should take this up with the coach company, but did not provide contact details.

CH, Alresford, Hants

With package holidays, tour operators are completely responsible for the actions of outside companies they employ. Airlines do not have this obligation, but Thomson Fly should have appreciated the seriousness of your situation.

It is 'currently investigating' what happened, which is disappointing as the accident happened two months ago. But at least it has now sent £50 to cover your taxi fare.

Why do I have to pay tax on my endowment?

I hold a Homebuilder endowment mortgage with Guardian Financial Services. In 2002 and.....continued below

Guardian now says that the policy has become non-qualifying for tax relief. I asked why when I had not made any change to my policy. Guardian said it was a Revenue rule and, as I had refused to follow the review advice on a second occasion, it is deemed to be a variation on the terms and conditions.

GM, Melton Mowbray, Leicestershire

This is a unit-linked endowment which, says Guardian, is the only type affected by the rule. It is a condition of the Homebuilder product that policyholders increase their premiums if the policy is not on target. So failing to pay more means you have not complied with the terms of the policy. Guardian should have highlighted this danger clearly when you made other arrangements, though it does say it warns customers. Having a non-qualifying policy means you will have to pay tax when the policy matures if you are a higher-rate payer at that time. Guardian has agreed to pay this bill.

British Gas turns off the debt collector

Last June, Moorcroft Debt Recovery threatened my daughter with legal action if she did not pay £43 it claimed she owed British Gas for electricity. British Gas has never asked her for this money and Moorcroft has provided no proof that she owes it.

DH, Bristol

BG says this is for electricity used before your daughter transferred to EDF last year. But a mistake on the account stopped a final bill going out so she received reminders without having had the original. BG has written off the outstanding balance and called off the debt collector.

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