Poll

Search for an EHIC, driving licence, passport or similar and you risk paying a shyster site for doing nowt. These sites appear high up on Google and dress up like legitimate sites, then charge you extra for what’s normally just easy form-filling. The Government’s announced extra cash for a crackdown - we want to judge the scale of the problem. Have you been caught out (or nearly caught out) by a shyster site and paid over the odds?

Daily deals sites sell vouchers, which you then exchange for a product or service. They launched a few years ago to great acclaim, but some users now complain of email overload, sub-par deals and redemption problems. So we want to cut the wheat from the chaff. Please rate the daily deals sites you’ve used.

Haggling sits up there with comparing prices, vouchers, codes and deals in a MoneySaver’s shopping skills arsenal. However, recently we've heard of people haggling in charity shops and wanted to get your views on whether you think it's permissible, even though it’s decreasing a charity’s take. Is it acceptable to haggle in a charity shop? Which is closest to your view?

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 before six months ago.

Valentine's Day is coming, but has using vouchers finally broken through the last taboo? Is it acceptable to use 2for1 restaurant vouchers on a first date? We ask this each year - let's see if it's changed... Imagine Ollie asks Samantha to dinner on a first date, saying he'll pay. When the bill comes, he pulls out a 2for1 voucher – what advice would you give Samantha?

The Labour Party says if it returns to power, it’ll reintroduce the 50% income tax rate for higher earners (those over £150,000) as it says they should bear a bigger burden. Yet it's not clear whether this will actually bring in extra revenue, as it could act as a disincentive, while some will take their wealth overseas. We want to know your attitude to taxation of this type.

Last week, a couple were fined for taking their children on a term-time family holiday without the school’s permission. Headteachers can grant leave in exceptional circumstances, but it’s unlikely for a holiday and holiday prices soar in school holidays. Should term-time holidays be allowed? Should parents be allowed to take their kids on holidays during term-time? Which of these is CLOSEST to your view?

Is it a question of sharing everything, or are finances something you keep secret? Which money issues do you ‘hide’ from (or not fully disclose to) your partner?

Apply for a mortgage, credit card, even a mobile phone contract, and you’re credit-scored (see Boost Your Credit Score for more info). As well as your application form details, and any past dealings they’ve had with you, firms also get details from one of three credit reference agencies. Answer for ALL whether you think this information is on credit files for LENDERS to see. Once you’ve voted, check whether you were right by clicking the “discuss current poll” link below.

Parcel delivery horror stories range from no-shows to “they threw the goods over the fence” or “they lied that we weren't in”. Last year, we asked who the good guys and cowboys were – now we want to see if anything’s changed. Please rate your overall experiences with these major firms DURING THE LAST YEAR (don’t rate if you haven’t experienced their service).