Fergus Muirhead answers your money questions

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.

Q. I was always told that if you have faulty goods then your warranty etc. was with the shop you bought the goods from. However, both myself and friends have found that when you return a mobile phone to the shop you bought it at you're told to return it to the manufacturer at your own expense. Is this correct? Brian Millar.

Q. I bought a 50-inch plasma TV from a leading outlet last November. I asked in a number of outlets about the stories of 'screenburn' and was assured by ALL shop staff that this was a myth. Well, I have had the TV for 8 months and I have very noticeable screenburn which affects my enjoyment and has affected my enjoyment of my HD package from Sky. I feel very short-changed and wonder what my rights are and the best way to approach the problem? M Swainson.

Q. I'm currently unemployed and soon to be divorced and have three company pensions from previous employers with pension funds as follows: Company 1:- £25,000, Company 2:- £7,500, Company 3:- £2,000. My wife has substantially more funds in her three pensions to the tune of £20,000 to which I am entitled to half of the difference i.e. £10,000. This will likely involve a pension transfer from one of her funds to mine to the tune of £10,000. My questions to you are as follows: 1. Can I nominate any of my company pensions to receive the £10,000 pension transfer; if so what one would be the best? 2. Can I use this sum to open a private pension or does it need to go into one of my existing pension accounts? 3. Can I ask for sum i.e. £10,000 to be paid to me in cash rather than put it in a pension fund? Paul Rooney

Q. Someone has to pay for an expensive cruise (£20,000) and is considering paying by credit card with a limit of £8,000. If they make a payment of £12,000 to the credit card to give it a positive balance and then pay the £20,000 - and the cruise company subsequently goes bust - are they fully covered for the full £20,000 by the credit card company or merely the £8,000 paid using "credit"? Tom Davidson.

Q. On 17th May 2010 my daughter Mary booked my husband and I on a flight to Barcelona but unfortunately due to the ash crisis we did not get to go. Aer Lingus, with whom she booked the flight, refunded the money for flights only, they did not mention hotel and chose to ignore it. We did however take out insurance. My daughter booked the hotel separate and Aer Lingus have yet to reply as to our refund, I've checked with the credit card company who say it's not their fault, the hotel people refuse to answer emails and as I can't speak Spanish I thought you might like to help if you could I'd be very grateful. It cost almost 300 Euros for a five-day stay in a hotel that we didn't get to. Catriona Burke