Every Monday we get an expert to answer your money problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question comes is...

I had a company coat the exterior of my house with a rubberised paint product in November 2022. The original cost was £3,280 - though there was a discount. This came with a written 10-year warranty. The product started to fail after five months (peeling off). I first contacted them one year ago, on 3 April 2023, and the company keeps fobbing me off, blaming bad weather for not resolving issues. They don't come round when they say they will. What can I do?
Robert Anderson, Scotland

We asked consumer disputes expert Scott Dixon, from complaintsresolver.co.uk, to pick up this one...

This falls under the Consumer Rights Act 2015 which states that any faults found within the first six months are considered to have been there at the point of purchase (or in this case, application).

You are entitled to one free repair under S49 Consumer Rights Act 2015 which states that every contract to supply a service is to be treated as including a term that the trader must perform the service with reasonable care and skill.

Traders can only have one crack at the same fault - if that fails, you are entitled to a refund/replacement.

You have two options: make a warranty claim/pursue a remedy under the Consumer Rights Act 2015.

How did you pay for it? If you paid (even just the deposit) by credit card, you can make a S75 claim against the credit card provider who is jointly liable under S75 Consumer Credit Act 1974.

If the trader is unwilling to remedy it, seek at least three quotes from other traders to price putting the job right. You can get another trader to remedy the job and invoice the original trader for the work. 

I know what you're thinking. What happens if they refuse to pay?

Options and next steps

If all else fails, you can take your case to the small claims court.

Before you file a claim, send screenshots to the company of the court papers setting your case out and demanding a refund within seven days. Tell the company that if they fail to do so, you will lodge a claim in the small claims court.

You will find details of this online here. It is a relatively easy, inexpensive route and is designed for disputes such as this. Court fees are based on the amount of money you want to claim.

This may resolve the dispute. If it does not, you can proceed and file the small claim papers online.

Another option is to file for their bankruptcy as a creditor, which is free. It effectively freezes their bank accounts and credit lines and locks their business down until it is resolved. You can find an SD1 form to do this here. 

I have done this before and it works like a charm. You need to send any documents by recorded delivery. This is a last resort if you cannot resolve your dispute.

I would also report this firm to Trading Standards. Ensure that you point out that they are deliberately selling products and carrying out defective work without due care and skill, which is fraudulent and illegal. You have proof of this so make sure you provide it.

Finally, leave reviews online too.

Money team note: We got in touch with the company involved, who said they had agreed to recoat the building at no cost but that dry days were needed before and after to fit the product in line with the manufacturer's guidelines. They said they had contacted Mr Anderson last week. We decided not to name the company as it is a small business - but we'll follow up this case in summer.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute, leaving your name and contact details (without these we may not be able to feature your question) in the form above, by emailing news@skynews.com with the subject line "Money blog". Alternatively, WhatsApp us here.

Britons could face higher food prices, and even empty supermarket shelves, as new post-Brexit border fees are introduced this week, industry figures have warned.

A maximum charge of £145 will apply on imports of plant and animal products, such as cheese and fish, entering the UK through the Port of Dover and Eurotunnel from Tuesday.

Importers and industry figures have warned the new charges could lead to higher prices for consumers.

"The fundamental change is huge to the nation's food supply," Nigel Jenney, chief executive of the Fresh Produce Consortium (FPC), told the Money blog when we first covered this story in January.

"I would certainly expect to see price rises because these costs simply couldn't be absorbed by the industry."

James Barnes, chairman of the Horticultural Trades Association, said this month that the policy "feels like it is constructed on the back of an envelope at best" and that the charges would "undoubtedly increase costs" and increase the likelihood of empty shelves in supermarkets.

He said as well as higher prices and a more limited variety of products available in UK shops and restaurants, "we now might begin to observe a decline of EU businesses trading into the UK, simply because they have been priced out".

The new rules explained

The new rules, known as the Border Target Operating Model (BTOM), are intended to protect biosecurity by imposing controls on plant and animal products considered a "medium" risk. These include five categories of cut flowers, cheese and other dairy produce, chilled and frozen meat, and fish.

From 31 January, each shipment had to be accompanied by a health certificate, provided by a local vet in the case of animal produce, and, from Tuesday, shipments will be subject to physical checks at the British border.

There is also the prospect of delays caused by inspections of faulty paperwork, which could derail supply chains that rely entirely on fast turnaround of goods.

The policy has been delayed multiple times and earlier this month the Financial Times reported that the government would not "turn on" the checks this week because border systems were not fully ready. The government said this was not true - but indicated they would initially focus on higher-risk products.

The fee will be charged per type of product imported, and will vary from £10 to £29 depending on the risk products present. It will be capped at £145 for mixed consignments.

A government spokesperson said this was "within and at the bottom end of the range which we consulted with industry on".

They added: "The charge is designed to recover the costs of operating our world-class border facilities where essential biosecurity checks will protect our food supply, farmers and environment against costly disease outbreaks entering the UK through the short straits."

The fees will not apply to goods brought into the UK for personal use, the government said.

EU business 'could stop trading with UK'

Marc Forgione, director general of the Institute of Export and International Trade (IEIT), said there was another risk beyond price rises and potential shrinkflation.

He told the Money blog earlier this year: "There is also a concern that has been raised with me by some UK-based businesses that their suppliers in the EU will frankly take a view that it's too complicated to deal with these changes and withdraw from the market."

Mr Forgione said that over time the UK will have "the most efficient border in the world", due to digitisation and the BTOM's assessment of goods based on risk, but it will create friction for EU businesses where there was none.

What has the government said?

A spokesperson told us when we first covered this story in January: "We remain committed to delivering the most advanced border in the world.

"The changes we're bringing in will help keep the UK safe, while protecting our food supply chains and our agricultural sector from disease outbreaks that would cause significant economic harm."

A Waitrose billboard that appeared to be sitting askew was fenced off by a London council over safety fears. 

But it turned out there was no need - as the supermarket had intentionally made the billboard wonky in a nod to its falling prices.

"Thanks for the swift action but while our prices are falling rapidly, our billboard certainly isn't! #noneedforbollards," the retailer wrote in a tongue-in-cheek post on X. 

The billboard had been put up on Lindore Road, in Wandsworth, southwest London.

Wandsworth Council later confirmed to The Guardian that the barriers had been removed.

It said it was "alerted to this unusual advert by a concerned member of the public" and decided it "better not take any chances with public safety so put up some barriers to be on the safe side". 

Leading potato grower Albert Bartlett has warned of rising potato prices and a lack of supply.

Many potato varieties will likely face shortages in the coming months and the nation will see "spudflation" take hold, it said. 

Potato growers have been warning of a major shortage in the autumn due to persistent wet weather this spring. 

They have been dealing with the wettest 18 months since 1836 - and there is no end in sight at present. 

Last year also saw a poor harvest due to the wet autumn, which made it difficult for machinery to access potato drills. 

Planting of this year's crop has been delayed across much of northern Europe due to the bad weather. 

In March, it was reported that Asda, Morrisons, Tesco and Sainsbury's could suffer from potato shortages caused by the poor harvests. 

You can read more here on how potato prices have soared.

We're back for another week of consumer news, personal finance tips and all the latest on the economy.

This is how the week in the Money blog is shaping up...

Today: Every week we ask industry experts to answer your Money Problems. Today, a Money blog reader is in a dispute with a building firm seemingly refusing the abide by a 10-year warranty.

Tuesday: This week's Basically... explains everything you need to know about swap rates - which impact mortgage deals. 

Wednesday: We speak to one of the most renowned chefs in the country and get his Cheap Eats in Norfolk.

Thursday: Savings Champion founder Anna Bowes will be back examining the pros and cons of another type of savings account, and the best rates available.

Friday: Sunna Van Kampen will take us down another supermarket aisle to help us shop healthier for less - and we're launching a brand new mortgage market feature.

Running every weekday, Money features a morning markets round-up from the Sky News business team and regular updates and analysis from our business, City and economic correspondents, editors and presenters - Ed Conway, Mark Kleinman, Ian King, Paul Kelso and Adele Robinson.

You'll also be able to stream Business Live with Ian King weekdays at 11.30am and 4.30pm.

Bookmark news.sky.com/money and check back from 8am, and through the day, each weekday.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

By Jess Sharp, Money team

My journey into the world of manifestation (the belief that you can attract success in your life through positive affirmations and visualisation) has taken me places I never thought I'd go.

Like woods in Edenbridge, where I stood meditating under a tree in the pouring rain. I don't yet know where my journey will end (I've been hoping for an engagement ring but my boyfriend hasn't yet seen my visualisations), but it started with a conversation with Jamie Greenlaw-Meek, one of many people who say manifestation has transformed their lives.

"About a year ago, there was something happening and I thought we just need two grand to cover the expense," Jamie, a former dancer from London, told me. "The following day £2,000 landed in my account."

It sounded like a coincidence to me, too.

But Jamie was adamant. His husband calls him "the master manifester" because of his "ability to bring in money".

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise."

When I asked the now-psychic where the £2,000 actually came from, he said it was payment for a modelling job he had been offered.

"With manifesting you don't get caught up in the how, and often it comes in ways that you don't expect," he added, explaining it could come as the result of a claim after being in a car crash.

"It's not always coming in the way that you think but money is out there for us to take in the world. It's just having the confidence to receive it and we are worthy of it."

"Even if it is a placebo effect, does it matter?" he said.

The 43-year-old also believes he manifested his husband Fiongal after being diagnosed with cancer. While going through treatment and dating "a lot" of people, he decided to take matters into his own hands, or rather his own head, and started visualising his perfect partner.

"I decided to spend a good couple of weeks getting really, really, super clear in my mind what this person looked like. Then I started creating lists asking about personality traits, and all the things that I wanted that person to be," the former dancer said.

"The day I got the all clear from cancer I randomly met my husband and when I look at the list of the things I asked for, he pretty much ticks every single box. I really, really believe that is because I got super clear on what I wanted and I put that out to the universe to bring to me."

Jim Carrey and manifestation

If you think this is a new practice, it isn't. Jim Carrey was doing it back in the 90s. He famously wrote himself a $10m cheque for "acting services rendered" and dated it years in advance. Then in 1995, he was told he was going to make the exact amount for filming Dumb and Dumber.

The idea shot up in popularity again in 2006 after Rhonda Byrne published her self-help book The Secret.

Since then, it has hit every inch of the internet and has resurfaced on TikTok with videos posted under #manifesting accumulating a huge 13 billion views.

I tried to learn manifesting - I felt like an idiot

After hearing Jamie's story and seeing the idea was popular with so many people, I thought it best to try to learn manifestation myself. I mean, who wouldn't want money landing in their account and a work promotion from the universe?

As I stood in the woods, in the pouring rain, being told to imagine roots growing from the soles of my feet, I felt like an idiot.

I was soaking wet (of course I had forgotten a coat with a hood) and while my mind kept wandering through thoughts about being cold, if I'd hit traffic on the way home and how dirty my white trainers were getting, a gentle, soothing voice kept bringing me back to what I was supposed to be thinking about.

"How we are all connected, how the trees and plants produce oxygen that we breathe, and we breathe out carbon dioxide which they need to survive."

While some people focus their manifestation practices on being grateful to the universe, Tansy Jane Dowman believes we need to get "out of our heads, into our bodies", connect with nature and find our true selves before we can practice it successfully.

My meditation in the woods was just one part of a six-hour workshop run by Tansy, which aimed to send me off with a clearer vision of what I truly desired.

Tansy charges anywhere from £25 to £580 for her courses, which range from one-on-one sessions and an online six-week programme, to forest bathing workshops and weekend-long nature retreats.

But some courses have popped up online which cost more than £1,000.

Tansy started practising manifestation in 2018 after going through a difficult period in her life. She eventually quit her job in events management and started teaching others how to do it successfully.

"The way I manifest is not to focus on material wealth or gain. I would ask my clients what an abundant life means to them in terms of feelings, experiences, connections, people and places," she explained.

"The more authentic you are, the more of a beacon you become for those things to find you."

After spending time walking in the rain and meditating under a tree, Tansy and I sat in her dining room and explored some of the happiest moments in my life and the feelings I experienced. It became clear I like feeling accomplished, needed and excited.

We also spoke about challenging times, but the conversation focused on the positives, like how I had overcome them and what I had learned.

"It's so important to bring in your values with manifestation because sometimes we can get really confused with what we want, with social media especially," she told me.

Throughout her house, Tansy has a number of "abundance boards" proudly on display - some she has made with her children, others are from her annual January tradition of setting out her desires for the year.

"I've had some really wonderful goosebump things happen to me. I did a board at the beginning of 2020... I put a picture of a microphone on it. I just thought I really like that image and I didn't immediately place any meaning onto it," she said.

"Then as the world was shutting down for lockdown, I did a press event and I met a lady who worked for Wellbeing Radio and she wondered if I would be interested in trying out as a presenter."

She explained that some people will be very specific with their desires, like selecting a photo of the exact car they want, or the perfect house, but that isn't how manifestation works. There needs to be an element of trust in the universe giving them what they attract.

As we created my abundance board, which Tansy describes as being like a "personal algorithm", she told me to select images and words from heaps of magazines that called to me intuitively.

As you can see from the picture below, mine calls for being "financially fabulous", travelling, getting engaged (coughs loudly in earshot of boyfriend) and living stress-free.

And while I'd love a big cash injection, Tansy explained to me that money is "only a stepping stone to a feeling" and, ultimately, I'm aiming to create an emotion with it.

Manifesters more likely to go bankrupt

While all the manifestation believers I spoke to said there was no downside to the practice, a researcher has been looking into whether it really does pay off.

Based in Australia, Dr Lucas Dixon (who specialises in consumer psychology) created a scale from one to seven to rank a person's strength of belief and found those who practice it are more likely to have been victims of fraud and declared bankruptcy.

He said there was a "danger" that manifesting could become harmful if taken to an extreme level.

He found those who believe in manifesting tend to think more positively and have a confident attitude when it comes to success, and while that can be helpful in business, it can also cause them to take unnecessary risks.

"They weren't more objectively successful in terms of having higher income or higher education attainment," he said.

"We also found that they are more likely to believe in get-rich-quick schemes, more likely to take higher risks... to have risky financial investments and more likely to have investments in cryptocurrency rather than traditional stock."

Using the scale he created, Dr Dixon found those who have "very strong beliefs", ranking at a seven, were 40% more likely to have gone bankrupt.

"The danger comes in a couple of different forms," he said, explaining that a "worst case scenario" could see people getting into financial difficulty by being encouraged to "just look at the positives".

"Someone might say it's not harmful because it is really just thinking positively but I think even that can be harmful because of what you might call an opportunity cost," he said.

"You're spending time, energy and money doing something that doesn't have a lot of evidence behind it. We found it does make you feel good but you don't need to pay thousands to do it."

Okay, so back to me...

I did my manifestation course about two months ago, and I have done as I was instructed - my abundance board is up in sight inside the flat, and I often have a cup of coffee in front of it.

But, so far I'm still using a credit card, the most travelling I've done has been to work and back and there is still no rock on my finger. I have been given an annual pay rise, though, and would say I am less stressed.

Perhaps believing that I'm just doing my best and there's a chance that I'll be rewarded for that one day, eventually, in the future, maybe, is making me feel better... who knows?

Each week, Money blog readers share their thoughts on the subjects we've been covering, and over the last seven days your correspondence has been dominated by these topics...

• Iceland's new slogan
• Rising mortgage rates
• Giving kids cash for grades

Iceland's new catchphrase

We learnt on Monday that Iceland had dropped its tagline "That's why mums go to Iceland", replacing it with "That's why we go to Iceland".

The move was made to reflect the store is for everybody, said brand ambassador Josie Gibson. Readers were split - with some feeling so strongly that they're prepared, they suggest, to sacrifice those frozen Greggs steak bakes forever...

I previously contacted Iceland about their slogan because I didn't think it did single dads justice, as dads can go to Iceland too. Their response was that people understood that it's not just mums that go to Iceland. It's about time they changed the message.

Dave T 

Neither I, my wife or my children will shop in Iceland again due to this stupidness and woke attitude. To hell with you [Iceland boss] Richard Walker.

John 

Banks hike mortgage rates

This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates. 

You said...

With house prices at already extortionate levels, now mortgage rates rising again, is there any hope for first-time buyers? Honestly, the situation is so bleak, people may need to consider other countries.

GenZ 

Why would this happen? So many young couples struggling to get on the property ladder. I live in Dorset - a one-bedroom flat costs from £230,000. In Scotland, one can get a beautiful two-bed house for that price. Feel sorry for all couples living down in the South. Need huge deposits.

Barbs

Why are they called high-street banks? Most banks in my town have closed.

Martin J

Parents offering cash for good grades

A lot of views came in after our feature exploring the positives and negatives of parents incentivising good school grades with cash...

We had scores of comments on this - with a fairly even split...

We did it for our son at GCSE time. We think it made a difference of about a grade on most subjects. Got a two-grade lift on maths. Cost us £350. Thought it was good value as it has taught him how things work in the world.

Andy

The whole world is built on a reward system which symbolises access to money commensurate with effort and excellence. The Nobel prize goes with a cash reward!

Tom Deggs

Employees are offered incentives for achieving targets, so why not offer kids incentives for better grades?

Claire228 

But others had concerns...

I think it puts too much pressure on kids who are under enough pressure at exam time. Parents should encourage their kids to do the best they can, not add to their stress levels.

Emma

Children should value their education without it being monetised. My parents expected my brother and I to have the motivation, maturity and self-discipline to work hard for our GCSEs. We both achieved all As and A*s.

Eliza 

When I was at school, from 1964-83, my parents never gave me money for good exam results, because "I should want to do well for myself". No matter what my grades were, they said that they would be proud of me if I had tried my best. Cash kills self-motivation.

Nicola B 

National insurance was cut this month, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK - starting this pay day.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000.

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

The money story of the week has been mortgage rates - with a host of major lenders announcing hikes amid fears the Bank of England may delay interest rate cuts.

Swap rates - which dictate how much it costs to lend money - have risen on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

The reliable Bloomberg reported this week: "Still, while some economists have since scaled back their predictions for BOE cuts, most haven't changed expectations for a summer move.

"Analysts at Morgan Stanley, Goldman Sachs Group, Capital Economics and Bloomberg Economics are all among those still anticipating a shift toward easing in June."

The publication also quoted Sanjay Raja, chief UK economist at Deutsche Bank, as saying: "Markets have superimposed the US cycle on the UK, but the US and UK are on very different tracks.

"The UK is coming out of technical recession. Inflation is falling more convincingly. Pay settlements are following inflation expectations. And crucially, real policy rates in the UK will be higher than in the US."

None of this reassurance changes the fact that financial markets, which dictate swap rates, are pricing in delays.

This week's hikes came from Halifax, BM Solutions, TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry.

This is what average mortgage rates looked like as of Thursday...

The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.