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Can work force me to take a pay cut without reducing my hours?

My employer has told me to take a 20 per cent pay cut due to the impact coronavirus is having on the business, yet I still have to work full-time. Is this allowed and what can I do if I'm not happy?


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ASK TONY: We waited two weeks for Morrisons order, then RBS blocked it

My wife and I received a message from our bank saying there had been an 'unusual' request for payment on our account and it had declined to pay it. The payment was to Morrisons.


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I booked my BA flights through a third party. Am I still able to get a voucher or a cash refund?

My flight to Cambodia has still not been cancelled but I cannot go. I booked through a third party but not sure if this means I can get a voucher in lieu of flights or a cash refund?


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My boss can't use a Jack Wills gift voucher I bought him, even though it is in date. Why is this?

I purchased a Jack Wills gift card as a present for my boss. However, when he went to use it in January this year he was told that there was no value on the card. Why is this?


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ASK TONY: TalkTalk won't let me cancel my care home dad's phone bill

My father, 92, was admitted to a dementia care home last September. I have Lasting Power of Attorney. I rang TalkTalk to cancel his account but they refused because I wasn't the account holder.


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My fridge-freezer broke over 5 months ago and my insurer still hasn't paid out. What can I do?  

I made a claim with Legal and General five months ago after my fridge-freezer broke but it still hasn't paid out for the problem or made any repairs. What can I do to get this sorted?


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ASK TONY: STILL waiting for £800 refund after Corsica crash in 2017

My son rented a vehicle in Corsica in July 2017 and was involved in a minor accident which was not his fault. Enterprise Corsica, the car hire firm, has not repaid his €950 excess.


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TONY HETHERINGTON: It's your call... but I'd take offer to scrap £1,238 Vodafone debt

My son has experienced no end of problems since upgrading his contract. His phone has been cut off, debt collectors have demanded money, and now he's being threatened by bailiffs.


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BT has left me without internet and I need it for my heart monitor

My mother moved from one flat to another in mid-December. Her broadband stopped working after the move and BT have not fixed it even though she needs it as her heart monitor requires wi-fi.


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ASK TONY: We cancelled our Greek villa but insurer refused to pay the bill

My husband and I booked and paid for a villa for a week in Corfu, and invited our four daughters and families to join us at our expense. The villa cost £2,391. We paid £96 for insurance with Get Going.


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Why did Shelter back a squatter in my dad's house? TONY HETHERINGTON investigates

My father bought a house in Stockport, Greater Manchester, in 1971. Several years ago, a tenant tried to seize ownership by claiming squatter's rights.


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My flat is a fire risk so I can't staircase my shared ownership mortgage

I am a shared ownership resident in a London block of flats who recently tried to staircase my mortgage. However, the lender was worried my balcony might be flammable. Now I can't remortgage.


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ASK TONY: Scrapped New York trip to care for son but refused refund

My partner and I booked a short break in New York to celebrate my 50th birthday. At the beginning of August, my son was diagnosed with stage 4 Hodgkin lymphoma blood cancer.


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TONY HETHERINGTON: My 90-year-old father's £600 fine after tax error 

My dad will be 90 next month and has severe health issues. Revenue & Customs wrote saying he no longer needs to submit a tax return.


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ASK TONY: My mobile caught fire in the car - but Samsung blames me!

My Samsung phone was only a year old when it spontaneously caught fire in the footwell of my car. I put it there after receiving a phone call, but as I drove off I noticed a strange smell.


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I was charged for food I didn't order on Uber Eats 

My friend and I decided to order a takeaway from Uber Eats. We started selecting items but changed our minds so left the app. However, I have been charged and Uber refuse to refund me. Why?


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My landlord fixed my shower himself and has now removed it completely. Is this allowed?

My shower broke and my landlord decided to fix it himself rather than pay the plumber to do it. He has now completely removed the shower from the wall. Is he legally allowed to do this?


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Can I cancel my Sky direct debit as the bills are in my ex's name?

My ex moved out nine years ago but Sky refused to change the name of our TV and broadband account even though it changed the payment details. I am now moving. What can I do?


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ASK TONY: Foster child stole our credit cards now we're paying the price

My wife and I have been foster carers for more than 11 years. In 2017 we fostered a teenage girl for three months. In July I discovered she had stolen two credit cards - Barclaycard and Creation.


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ASK TONY: Why won't Tesco Bank do more to help a deaf person?

My Tesco credit card has been blocked since January. I am a deaf lip-reader so cannot contact the bank by phone. I wrote asking if we could communicate by different means but was refused.


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My vet pulled my dog's claw out during grooming and then charged me for surgery - what can I do?

I took my dog Oliver George to the vet to have his nails clipped - but during treatment, his dewclaw was pulled leaving him needing surgery.


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ASK TONY: Late husband's £110,000 Isa left me facing unfair tax bill 

My husband died in September 2016, after putting his affairs in order. In February 2017, Interactive Investor was instructed to transfer my late husband's shares Isa to mine.


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TONY HETHERINGTON: Sitting targets...how Orchid Mobility treats the elderly

My elderly relatives are still owed £2,000 for a cancelled order. The company promised every week for three months that a cheque would be sent, but still haven't paid up. Can you help?


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My wealthy mother is remarrying. Should she get a prenup?

My wealthy mother is engaged to remarry and my siblings and I are worried that if it doesn't work out a large part of our inheritance might be at risk.


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My late father left a plot of land in Florida but I'm struggling to claim it 

My sister and I are my late fathers executors and we have a UK grant of probate, however, this doesn't hold much weight in the US. What can we do?


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TONY HETHERINGTON: This 'bricks and mortar' bond falls through cracks

My wife and I were looking at investing £20,000 and found the Investment Chronicle website offering a return of 38 per cent in 36 months. The company's website mentions the Daily Mail.


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My son has £40,000 in student loan debt. How can I help him clear it?

My 22-year-old son graduated university last July and recently received his loan statement through the post. If I pay off the debt and he instead owes me the money what route could I go down?


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Why can't I use Section 75 to make a claim when using a third party?

My hotel wasn't as described but I was told as I paid through a third party on my credit card, I am not liable to claim a refund through the Section 75 rule.


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ASK TONY: Ryanair didn't see fit to pay up after my eye injury

My wife and I booked return flights from Luton to Tenerife with Ryanair for September. The cost was £369.24, plus £30 for reserved seats. On July 26 I was hit by a golf ball and suffered an eye injury.


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Dad passed away in South Africa and his partner has made off with the inheritance - what can we do? 

My partner's father died in South Africa and his girlfriend has cut all ties with us after the funeral. We think she may have made of with the inheritance - what can we do?


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TONY HETHERINGTON: 'Car hire firm charged me an extra £75 for insurance'

My booking with OK Rent a Car at Malaga Airport included Collision Damage Waiver. But the agent told me my CDW was useless, and I needed to pay another €84 (about £75).


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My employer has handed my final salary pension to an insurer

What happens to my pension if the insurance company has serious financial problems or goes bump? Our agony uncle Steve Webb explains what happens to pensions that are bought out by insurers.


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VICTORIA BISCHOFF: Remember the heroes and villains of the High Street

My partner Chris and I live in a first-floor flat, so when our neighbour sent us a message out of the blue insisting we use her front garden to enjoy the sunshine on Sunday, I could have kissed her.


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Colin Fassnidge defends celebrity chef Pete Evans' decision to leave Channel Seven

My Kitchen Rules' Pete Evans recently came to a 'mutual' and 'amicable' decision to leave Network Seven after a decade.


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My chef husband gets paid via tips in a tronc - can we claim child benefit?

Would tips be taken into consideration for child benefit? If they aren't then his income falls below the threshold at which child benefit is removed. The child benefit rules and common traps explained...


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My ex is offering me a fifth of his pension in the divorce - is that fair?

If I accept my husband's offer I would have less than half of the income that he is receiving, along with a five-year wait for my state pension. Lawyer Fiona Wood, pictured left, replies.


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My dad is too ill to make a will: Could I lose my home when he dies?

I have four other siblings but I'm the only child who still lives there. I have never lived anywhere else and consider it my home. Lawyer Bonita Walters (pictured right), of Clarke Willmott, replies.


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Does brother's deathbed gift of his house to my son stand without a will?

My brother died two days after receiving a diagnosis. I had at his request organised a solicitor to visit him in hospital to arrange a will. He passed in June, two days before the appointment.


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My dad is leaving his house to me, but can I split it with my sister?

In my dad's will, the house is left to me and cash to be split 50/50 with my sister. It was made 10 years ago when my parents were estranged from my sister. My dad is now widowed and has dementia.


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I want to divorce my violent husband after being estranged for decades

My husband has been missing for 24 years and has a violent past. I cannot find his address but I know the county he is in. The police told me he was still causing women problems and best to avoid him.


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Who inherits when a family member dies without a will?

My 78-year-old brother died without leaving a will. He had no children and was divorced from his wife. Lawyer Gavin Holt explains the order of inheritance in such cases.


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Dad secretly gave his house to my sister 20 years ago - what can I do?

My brother's wife went to the Land Registry and found the deeds were put in my sister's name in 1999. As far I know there was no will. Ian Johnston (pictured), solicitor at JMW Solicitors, replies.


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Can I inherit my ex-husband's pension?

My ex-husband says he has left me to inherit his NHS remaining pension in case he dies. We both have never remarried and have two children in university. Lawyer Jacqueline Major replies.


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My aunt with dementia's solicitor attorney has racked up £40k bills

I feel like my aunt gave her solicitor power of attorney as a friend and now she is unable to understand he is charging her. I disagree with his actions, so what can I do? Lawyer Fiona Heald replies.


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My late father made a mystery 'daughter' his heir - how do I fight his will?

This has come as a huge shock. My father's family have no clue who this woman is. Dad's new will was written less than a year before death while he was sick in hospital.


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How do I find my husband, aged in his 80s, who has vanished?

My husband left me in the first week of January 2016 and I have neither seen or heard from him since. I have no idea where he might be and every search draws a blank. Lawyer Katie Spooner replies.


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Does my late husband's ex-wife have a claim on pensions left to me?

My husband died very suddenly three months ago. He had changed his pensions over for me to be the beneficiary. His ex-wife has now contacted me. Can she have a claim on his pensions?


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The ultimate off-road experience? Ray Massey drives the new Range Rover Sport through a decommissioned Boeing 747

My test drive of the new Range Rover Sport was exacting enough, before I tackled the decommissioned jumbo at Cotswold Airport, near Cirencester, Glos.


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Mystery virus leaves hundreds of the birds dead in suburban Brisbane

The disease, known as lorikeet paralysis syndrome or clenched-foot syndrom, has left birds immobile on the sidewalks of suburban Brisbane.


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LORD ASHCROFT: The public's verdict on our political class? They waver between fury and contempt

My latest research looks at the fundamentals: how voters have reacted to the drama not just of the past few weeks but the years since the EU referendum.


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