Fergus Muirhead answers your consumer questions

I'm Fergus Muirhead and I'm here to answer any questions you may have about any money or consumer issues.

I'll be dealing with a selection of your queries every other Wednesday on Scotland Live, on Reporting Scotland and here on the BBC Scotland news website.

Please drop me a line here at fergus@bbc.co.uk with your questions.

You can also read more on money and consumer issues on my own blog, external.

Q. My husband received a letter from the Inland Revenue with a bill of over £2,000 underpaid tax. He is 61 and still working. He is in receipt of a pension from an employer but has never paid tax since April 2008. Having checked back on old P60's wage slips etc, from both employer and pension provider, it looks as though both have allocated a personal allowance resulting in no tax being paid on his pension. If this is the case and it is the fault of the Inland Revenue, should he still be liable to pay this? Moira, his worried wife.

Q. We booked a bus tour to London with Caledonian Bus Company but we could not go as we were snowed in. There were no buses and taxis could not reach our house as it is up a hill and on a small cul-de-sac. They refused to refund any money and our insurance refused to pay as we did not miss the bus. If we had missed the bus, they would have paid for accommodation for a night and the transport to get to London. I think Caledonian should refund at least part of the cost as they are not invoiced for the hotel in London until after they use the rooms. What are my rights? Patricia Massa

Q. My daughter bought a flat in Hyndland in April. We now have a problem with the shower mixer which will not turn off. Water is constantly coming out of the shower head. We contacted Bathstore, Great Western Road, and found it was installed in 2009 by the previous owner. There is a five-year warranty on the shower but Bathstore and their supplier will not replace the faulty goods. They have told us the warranty is not valid since we were not the purchasers of the shower fitting. We think this is not a suitable outcome. They suggested that we get the previous owner to call them to try to rectify the situation but we don't see why we should have to go down this route to get a solution to this problem for something that is obviously under guarantee. Gordon and Mary Smith, Glasgow.