Fergus answers money questions on television, radio and online
I'm Fergus Muirhead and I'm trying to answer any money or consumer problems you may be facing at the moment.
You can contact me by e-mail at fergus@bbc.co.uk
I will deal with a selection of your e-mails every second Wednesday on lunchtime Reporting Scotland, Scotland Live and on the BBC Scotland news website.
I also have a consumer page on Twitter: http://twitter.com/consumerstuff
Q. At present I have a Direct ISA with Bank Santander. When I asked for my annual interest to be credited I was told that I was only entitled to 0.1%. Their current rate of interest, I believe, is 3% but when I pointed this out I was told that it was "bad luck" I had not asked for the new issue and that it was my responsibility to check if I was receiving the new rate. I have therefore lost in the region of £500 and, as this is part of my income, you can understand my frustration. I would be grateful if you would confirm if this is correct before I take the matter further and close my accounts with this bank. Wilma E Nimmo.
Q. I am looking for help on the best way to deal with debts I have with a few companies. I am finding things difficult to sort out with banks and some loan companies. Could you advise me the best and easy way to sort out my problems? Scott.
Q. Can credit card companies not be forced to pay off the cheapest debt first i.e. balance transfers, instead of racking up interest charges on purchases which are impossible to clear without clearing your whole balance? Andy Hurst.
