Poll

Haggling can result in big savings – on anything from digital TV and broadband to breakdown cover and car insurance. Each year we try to gauge the success rates of those who have done it. So whether you've got cheaper prices, extra goods or better deals, please let us know how successful you've been in this week's poll.

If you pay for your energy bills by monthly Direct Debit, your provider could be sitting on hundreds of pounds of your money. So we want to know whether you have any credit on your energy account.

If you access your current account through your bank's app, please rate it. Only rate the app and its features, not the bank overall. If you have more than one current account, please rate all the apps you use (though don't rate a bank's app if you only have it for savings, credit cards, a mortgage or anything else).

This isn't about price, we can do that, please rate your most recent home BROADBAND provider's customer service over the past SIX MONTHS.

Many airlines now sell upgrade capacity at the desk. So are the days of trying to sweet-talk check-in staff to get a free upgrade to premium economy, business, or first class, long gone? We want to know whether you've had an upgrade recently (IN THE PAST THREE YEARS) and how you bagged it.