Savers with a fixed-rate cash Isa who don't use their full allowance immediately could lose much of their tax-free entitlement or pay steep penalties to keep it.
If you're one of the hundreds of thousands stranded by the volcanic ash cloud, this is a full Q&A guide on your refund, employment and financial rights.
Complaints about financial firms to the independent Ombudsman Service were up by 18% during the second half of last year, after many banks and other providers wrongly rejected consumer gripes.