Click here to go to the live chat.

Everyone has money questions that are keeping them awake at night - what's the best way to borrow? Can I trust my bank? Are my savings safe? How am I going to pay for Christmas?

So, today at 1pm, Walletpop will be answering them all, with a live webchat with Chris Pond of the FSA, and Kevin Mountford of moneysupermarket.com.

These guys are experts in the full range of financial issues, and ready to share everything they know.

If you have a question, click here to go to the live chat, and our two experts will answer all your questions in full.

It's your chance to get a full, independent answer to your money worries in one fell swoop.

So what are you waiting for?

Dear Walletpop,

I took out a washing machine repair protection plan with a big extended warranty company back in January 2007 which I understood should have ended in February 2008.

However, while my husband and I were going through our statement together this weekend we realised that neither of us knew what one particular direct debit was. But after contacting our bank it dawned on me that it must be for the washing machine plan I had taken out with them two years ago.

When I called the protection plan provider to ask why the direct debits had continued beyond the original term, I was told the repair plan would be renewed automatically unless the company were informed otherwise.

After sending my complaint in writing, they have now agreed to reimburse us with £25 for the £150.50 they have taken out of our account! They said they've fulfilled their legal duties by sending out a renewal letter informing us. Can this be true?

Thanks

Sibel

Dear Walletpop,

i am an ex-bankrupt discharged three years ago, but I still cannot credit and I'm getting frustrated. I have my own business – since 2006, but cannot get help to expand and am getting angry about it. Any comments?

Thanks
Barry

The debtors' prisons of Dickensian times may long ago have shut their iron gates forever but even in modern times, the life of a person who is or has been declared bankrupt can be a living hell.

Although a declared bankrupt can be discharged after a year – meaning you are cleared of any further financial obligations under the order – the fact of their bankruptcy stays on your credit record for SIX years.

Even after that time, you may still have to declare that you were once bankrupt, particularly when applying for a mortgage.

But it is trying to achieve a workable credit score in that period after bankruptcy that poses one of the cruelest ironies of all – no one will give you credit without a credit score, but you can't build a credit score without credit.

So what are the options in the short to mid-term if you are after a loan, mortgage or just a credit card?

Dear WalletPop,

It's my best mate's birthday this weekend, but none of us have any money! I've recently been made redundant, but I still want to treat her to something lovely. How can I get her something special without overspending?

Thanks,
Emma

Special occasions are really tough for people at the moment. You still want to make a fuss of your friend, but without worrying about how you're going to pay off your credit card bill at the end of the month. Here are some handy tips to make sure your friend has a great day, but you can still eat for the rest of the month.

Every week, WalletPop will answer a problem that you're having. We'll cover everything you want us to. We'll ask the experts and make sure you get the best advice for your problem so if you've got something you need advice on, just ask.

Dear WalletPop,

I've got a wedding coming up, but after Christmas I can't afford to buy a new outfit. I'm thinking of getting a store-card so I can buy something fantastic to wear. Which store cards are best?

Thanks!
Becky, London

Store cards are a tricky business. The shops lure you in with savings on your first purchase. And despite you thinking you'll just buy one thing and then pay it off, you probably won't. Then you're locked into paying as much as 30% APR. Let's have a look at some rates.