Poll

A simple question. Which of the following list of 50 major retailers have you bought from in 2015? We want to find out which attract the most custom.   Please vote for all those you’ve purchased from, whether in-store or online.

Many big stores, such as M&S, John Lewis and many websites, have generous no-fault return policies. Some people use this as a form of 'free rental’, you buy the clothes, wear them once, then return them – we've even heard of people wearing items once for a wedding. The legality is a grey area it depends on the terms – but it's certainly questionable. Which of the following is closest to your situation?

With controversy this week over how tips are split after restaurant chain Côte was accused of pocketing the cash (something it denies), we want to know where you think tips for good service should go. Please choose the option closest to your own opinion:

We want to find out how each provider rates both for service (how they treat you) and coverage (how strong the signal is when you need it). In truth there are only four main networks providing signals, the rest use these but under their own brand (see our mobile networks guide for who piggybacks who). Yet vote for the firm that provides your mobile phone bill, as signal can differ. Please vote for your current provider based on customer service AND coverage over the last year.

We run this poll on big banks' current accounts every six months to see how the experience changes. We’d love your feedback. Please vote based on CUSTOMER SERVICE for your main CURRENT account over the last SIX MONTHS. Please ignore rates or any other products, or service from more than six months ago.

So who are MoneySavers? For the second year running, rather than data-mining, we decided the politest way to find out was just to ask. Plus we thought you may like to find out a little bit more about who else uses this site (or more accurately, who uses this site and answers the polls). Welcome to the second annual MSE census. Please answer the following 11 questions.

Consumer tech’s becoming a bigger part of our daily lives. We’d like to see what’s changed since we last did this poll in 2013. Which gadgets do MoneySavers now rely on? And crucially do you still use them? Please choose as many options as you have, and if you don't have it don't tick it.

The Government has launched a consultation on the future of the BBC ahead of its 2016 Royal Charter renewal. Its main focus is, controversially, on downscaling the BBC. So we wanted to test attitudes on this, with some deliberately stark options. How it works today: You need a TV licence to watch any TV channel (not just BBC), unless you only watch catch-up (see our Do I need a TV licence? guide) – but the TV licence primarily funds BBC TV, national & local radio and BBC online. Overseas services can be funded by commercial profits. Should the BBC be downscaled? Please choose the option NEAREST to your opinion.

There are two crucial documents that can protect your dependents in the future. a) A will: This dictates what you want to happen to your assets if you die (eg, what happens to your house if you share it and aren’t married). See Cheap or Free Wills. b) A lasting power of attorney: This allows loved ones to take over your finances if you lose your faculties, see the Power of Attorney guide. So we want to know which you already have in place.

The Competition & Markets Authority has just launched a damning energy sector report, proving most people are being overcharged (see energy news). One of the major problems is not enough people switch, and those who do don’t switch often enough (one reason we launched our Cheap Energy Club). So we want to know how many times someone in your household has switched in the last five years: