GRACE ON THE CASE: We could lose our £1k deposit for cancelled Scout camp

I am a group scout leader. Our Scouts group had a two night camp booking with Kingswood, which provides outdoor trips and activities. Our booking was for June 2020 but when the pandemic hit, I was told our deposit would be non-refundable if we didn’t go.  Eventually, we were told it could be refunded or … Read more

ASK TONY: Our £17k horror after my cousin died without leaving a will

My 59-year-old cousin died suddenly last July without leaving a will. He never married, nor did he have any siblings, a legal partnership or children. He lived all of his life at the same address with his widowed 92‑year-old mother. I applied to the High Court for Letters of Administration. Every bank and insurance company … Read more

The house I’m buying has been ‘down-valued’ by the mortgage lender. What do I do?

I am a first-time buyer, and have just made an offer on my dream property. The seller accepted, and I began my mortgage application. I had already passed the lender’s affordability checks for the size of loan I require. However, I have now hit a bump in the road. A surveyor visited the property to … Read more

Is it possible to power our garden office with solar panels on its roof?

Having worked from home throughout the pandemic, we are looking at building an office at the end of our garden.  We would like to make it as eco-friendly as possible. Can we put solar panels on its roof, and would we need planning permission? If we can, is it possible to power basic amenities such as … Read more

TONY HETHERINGTON: Recover your money? Sorry, it’s fool’s gold

Tony Hetherington is Financial Mail on Sunday’s ace investigator, fighting readers corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. Find out how to contact him below. Ms J.B. writes: I am sending you a letter I received from Ruby Creek Gold in the US … Read more

GRACE ON THE CASE: We had solar panels fitted but want to get them removed

We had solar panels installed through Project Solar in 2016 but haven’t seen any benefits since then. A salesman approached and encouraged us to have the panels fitted saying it would reduce our energy bills to around £20 each year but instead we are seeing bills of much more each month. We were even expected … Read more

ASK TONY: Crooks stole £4,000 from my daughter but Halifax won’t help 

My daughter was targeted by fraudsters in November last year. She has learning difficulties as a result of contracting meningitis as a baby, and was born with part of her arm missing. While she strives to be independent, at 34 she is immature and vulnerable for her age. She had received a text message that … Read more