We asked three financial advisers to help: Stuart Glendinning, of Moneysupermarket ; Nick White, of uSwitch. com; and Ashley Clark of Needanadviser .Case notesTom Green, 25, radio producer, SheffieldSalary: £26,000 (just over £1,625 a month after tax and National Insurance).Savings: None.Debts: £10,450, including a £2,000 interest-free loan from parents, a bank loan of £1,800, a graduate loan of £4,000, and three credit card debts of £2,000, £500 and £150.Pension: £100 monthly contribution into BBC's final salary pension scheme, which provides guaranteed benefits at retirement.Monthly outgoings: £1,015 on general living expenses: this includes £150 paid to mother for rent, £125 on petrol, £30 on car tax and upkeep. After renting a house for the last two years, and now that his girlfriend is living and working in London, Tom Green, 25, has recently moved back home. He earns £26,000 a year as a BBC radio producer in Sheffield - producing a monthly take-home pay of a little over £1,600 - where he has been for three years. Student debts are still troubling Tom and his main priority is paying off his loans, overdrafts and credit cards, which cost him £460 every month.Aside from that, he pays £150 towards living costs at home, and spends around £125 a month running his car.Tom would like to capitalise on the fact he is paying no real rent to reduce his monthly outgoings and make it to pay day without going into the red.He recently joined his employer's final salary pension scheme, and pays £100 a month into it, but doesn't have any other savings or investments. It says sending all share certificates by recorded delivery "is not practical".Questions of Cash cannot give individual advice Please do not send original documents. Write to: Questions of Cash, The Independent, 191 Marsh Wall, London E14 9RS; cash independent.co.uk.. If Lloyds TSB had used recorded delivery, the re would have been no problem MB, Thirsk.A.
Lloyds TSB Registrars has agreed to waive its £28.20 administration fee, but says the indemnity and resulting cost of £33.60 is necessary under Wimpey's articles of association. Lloyds TSB wants £28.20 for administration, plus £33.60 for insurance indemnification to send a replacement. You should make your claim to Portland to recover the £500 deposit.Q. I was recently widowed and inherited my husband's 703 shares in George Wimpey plc, worth about £3,500.
I sent the stock transfer form with probate of my husband's will to Lloyds TSB Registrars - which handles share administration for Wimpey - by recorded delivery.The probate was returned, but the shares in my name did not arrive. Other dealers say there should be no problem in selling the car The dealer won't take calls from us LL, by e-mail.A. We also phoned the dealer repeatedly, leaving messages for the managing director - who consistently failed to respond to these or our e-mails.The reason for this eventually became clear, with the company entering into a Company Voluntary Arrangement - it is insolvent.The good news is that the insolvency practitioner handling the winding-up - Portland - has found that the proceeds of asset disposals should cover all liabilities. I was unconvinced and asked another dealer to test this - and found it wouldn't. I cancelled my order, several weeks before delivery date.After I wastold it would return the deposit, the dealer then said it would keep £250 as a cancellation charge and keep the other £250 in case I bought another car from it.
