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It was no accident that the RAC left me stranded on a motorway

Three hours stuck on M25 with a damaged tyre while they argued if it was a breakdownIn July last year my car was hit by debris on the M25. This badly damaged one tyre, but I was able to steer on to the...

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TomTom drums up trade for its maps then fails to deliver

There was not enough memory on my satnav but I couldn't get a refundOn 26 January I responded to a promotional email from TomTom to buy, online, a map of Western Europe for my Start 25 in-car satellite...

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About to retire? Get sound pensions advice to bridge the guidance gap

Freed from having to buy an annuity, those retiring face an array of choices. We spell out the options on where to get adviceA "guidance gap" and the danger of mis-selling is confronting those about to...

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Should we cap mortgage lending against wages?

Lord Heseltine has suggested a cap on the ratio between mortgages and incomes, saying that homeowners who borrow up to 5 or 6 times their salaries could find themselves in trouble when interest rates...

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Under-fire FCA spells out its targets for the year ahead

Regulator plans to tackle benchmark manipulation and insists it will press on with 'zombie fund' inquiryA review of how firms can prevent traders manipulating key benchmarks in a bid to stop a new...

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Half of all payday lenders could be 'taken out of the market'

Restrictions outlined by the new Financial Conduct Authority will encourage many to opt out, says trade bodyHalf of all payday lenders could choose to close rather than adopting tough restrictions...

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Instant repayments to friends and colleagues by mobile phone

Lunch, or even a cup of tea repaying informal loans will be easier with Paym, a secure way of sending money by phoneA new secure way for consumers to send payments directly to each other's current...

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118 118 fined for lack of clarity over pricing

Premium rate directory inquiries service fined £80,000 weeks after BT was hit with a £225,000 penalty for similar breachesThe 118 118 directory inquiries service, which is heavily advertised by a pair...

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Money talks: It's payback for some payday lenders and pensioners get a lift

Payday lenders face the power of a new regulator and the government launches yet another reform to pensionsHello and welcome to this week's Money Talks a round-up of the week's biggest stories and some...

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Energy industry needs to accept tougher regulation, says SSE chief

Comments from Alistair Phillips-Davies, boss of one of the big six firms, come as poll shows deep customer dissatisfactionThe chief executive of SSE, one of the big six energy providers, has urged the...

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Landlords are wrong and tenants right? The two sides of the eviction story

We tell two cautionary tales of rent eviction: one from a landlord's point of view and the other from a tenant'sTenant evictions are a thorny subject. On one side tenants say they are often evicted...

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Cavendish Moore land scheme loses investors almost £7m

Secret deal with regulator means investors get back only 10% of cash and Cavendish Moore remains tradingHundreds of people, many elderly, have lost almost £7m after putting their money into a land...

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What bike should I buy to cycle to work?

I could take advantage of the Cycle to Work scheme or I could buy an old banger, which is less likely to be stolenEvery week a Guardian Money reader submits a question, and it's up to you to help him...

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Today's the day to make a fresh start on your own budget planning

The chancellor's changes kick off now with the new tax year so it's time to review retirement planning, savings and investmentsToday marks the start of the new financial year, when a series of measures...

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Can collective consumerism help cut energy bills?

New schemes enable consumers to increase their power in the energy market by grouping together to negotiate a cheaper rateAli Hassan looks down at his neatly tended garden for a few seconds before...

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Energy complaints reach highest level ever recorded

Energy sector's ombudsman says complaints in the first quarter of 2014 more than tripled compared to same period last yearEnergy complaints in the first quarter of 2014 more than tripled compared to...

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McAfee subscription auto-renewal cost me £130

I thought the company did not have my card details, but it accessed them and charged me an annual subscriptionThree years ago I took advantage of a cheap deal for McAfee security software to cover a...

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Courier companies that fail to deliver

As online shoppers demand the cheapest possible p&p, unregulated services have moved in to undercut Royal Mail. Anna Tims finds that cheap often comes at a high priceWhen a coach passenger mistook...

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Waste of energy trying to close my Scottish Power account

I have moved, but the Scottish Power seems incapable of closing my old accountI am thoroughly frustrated with Scottish Power, which seems incapable of closing my account. In September I moved home, and...

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Independent Scotland faces £1.8bn bill to meet its green targets Ed Davey

Energy secretary joins referendum debate, claiming Scotland's plans for 100% green electricity rely on UK taxpayer subsidiesScottish consumers would face a bill of £1.8bn to subsidise new green energy...

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