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Vulnerable elderly people get signed up for services they do not want or have not asked for.

Here’s my pick of the ways in which service providers “inconvenienced” their customers in 2023.

Lower interest rates and food inflation could spell relief in the coming year, but in the meantime we can shop smart to make savings.

Efforts to more efficiently investigate and finalise fraudulent contract cases would be a huge help.

Insurers will find any reason to decline a claim. Many consumers believe that, and it’s certainly true that insurers have been found to have rejected claims without the necessary justification — last year 29% of complaints lodged against insurers by their clients were resolved by the Ombudsman of Short-Term Insurance either totally or partly in the consumers’ favour.