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MSE Leaders' Debate 2015

Party leaders answer your MoneySaving questions

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Whether it's pensions, mortgages, tuition fees, energy prices, supporting savers or more, the 2015 MSE Leaders' Debate puts your 10 core MoneySaving questions, and a few extra from Martin Lewis, to David Cameron, Ed Miliband, Nick Clegg, Nicola Sturgeon, Leanne Wood, Nigel Farage and Natalie Bennett.

They often focus on the big things when we really want them to fix day-to-day problems. So we've held our own leaders debate and sent the identical questions in writing to each party leader.

We asked them to answer the specific questions asked rather than just reply with their general policy view on the topics covered. Read their replies below to compare and to judge which is closest to your view. We've left their answers as they submitted them.

If you think they're evading, do hold it against them; it's unlikely to be accidental.

Leaders' Debate: Your Questions

How were the questions selected?

How was the order of parties decided?

  • PENSIONS: "What changes to the retirement system for state and private pensions will you introduce to ensure that people gain an adequate standard of living in retirement?"

  • PETROL: "Roughly 60% of petrol is tax. Will you cut this amount?"

  • SAVINGS: "With interest rates for savers at an all-time low, what will you do to improve the returns for hard-working people who have managed to build up a pot of savings?"

  • ZERO-HOURS CONTRACTS: "Should zero-hour contracts be scrapped? If not, how would you control them?"

  • ENERGY PRICES: "Is it time to renationalise or dictate prices to energy providers?"

  • INHERITANCE TAX: "Would you increase or decrease inheritance tax? What plans do you have to change the current system?"

  • FINANCIAL EDUCATION: "Will you strengthen financial education on the national curriculum? What resources will you put into it and how will you ensure schools who don't have to follow the curriculum consider it?"

  • MENTAL HEALTH & DEBT: "What resources will you invest to help those with mental health problems avoid debt crisis?"

  • SCHOOL HOLIDAYS: "Should parents be allowed to take their kids out of school during term time for two weeks a year with no fine?"

  • BEDROOM TAX: "Would you scrap the under-occupancy charge or bedroom tax? Do you believe it has been a successful policy?"

  • STUDENT FEES: "Much of the student debate has focused on tuition fees. Yet the real challenge making university unaffordable for some is that student maintenance loans and grants haven't kept pace with the cost of living at university. In some places hall fees alone are higher than the loan. What changes will you make to improve this situation and help students afford their living costs?"

  • MORTGAGES: "Mortgages may look cheap due to low UK base rates, but in reality they are at their most expensive in our lifetime. Standard variable rates are now around 4% above the UK base rate. If interest rates rise it'll be unaffordable for many current homeowners. What will you do to prevent this mortgage ticking time bomb before it happens?"

Leaders' Debate: Replies by party

If you'd rather read replies a different way, in this section, we've copied the answers from the questions above and sectioned them so you can read each party's views in one go.

Conservatives - David Cameron

Labour - Ed Miliband

Liberal Democrats - Nick Clegg

Scottish National Party - Nicola Sturgeon

Plaid Cymru - Leanne Wood

UKIP - Nigel Farage

Green Party - Natalie Bennett

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