Dear Listener

Have you changed your mortgage in the last ten years? If so, you could get a refund of £100 to £150. The repayments follow strong criticism this week from the financial regulator which said this week that lenders can’t increase the exit fee for leaving a mortgage after the start of the loan. But most of them have done just that. Now they will have to refund the difference – but only if you ask for it.

The estimated 125,000 people who lost their company pension before April 2005 were given new hope this week. The European Court says the Government’s compensation scheme – from which many get nothing - does not conform with European law. But will they get more money? And if so when?

Some judges give the banks a wigging when customers go to court to demand their penalty charges back. One accuses them of ‘abuse of process’.

And is a tracker the way forward for your electricity and gas bills? One major supplier is offering customers the chance to link their energy tariff to the price suppliers pay.

Best wishes,

Paul Lewis

e-mail Paul Lewis