We're heading to winter, the energy companies are announcing price hikes. So have you turned your home heating on yet?

In December the European Court of Justice 'gender equalisation' rule hits, meaning insurers can no longer charge men and women different prices (other things being equal). It'll mean hikes in car, life and medical insurance for women, and worse annuity rates for men. Select all below which you think insurers SHOULD BE ALLOWED to factor into pricing?

This poll is inspired by the following tweet we received… "Is it a seriously silly idea to get a £10k loan to travel the world? I'm 23 with no responsibilities." Which of these would be closest to your advice?

More and more, we’re operating the checkouts for the big supermarkets and giving them a nice surprise with our unexpected items in the baggage area. Is this a change for the better, or should supermarkets be swept clean of them? Which of the following is closest to your view on self-service supermarket checkouts?

Which of the following is closest to your family set up when it comes to the financial battle of the genders?

It's not just fly-swarming back-street bazaars in far-flung places. With a bit of charm and chutzpah, you can haggle successfully on Britain's high streets – from asking ‘em to throw the batteries in, to negotiating 50% off. Which of these 40 chains have you haggled in and did you succeed? Please fill in any that apply, no matter how small your success.

Some car insurers automatically renew your policy each year, unless you get in touch to say “STOP!”. The advantage of this is you can be fined for not having insurance if you’ve a car even if you’re not driving. The disadvantage is it can lock you into their overpriced policy. Which of these do you think is right?

BT's just announced another line rental hike (info and help in Cheap Home Phones). Once families queued for their turn on the home phone - now, even many under-10s have their own mobile. Is the landline dead? What percentage of (non- work) calls made and received are on your home phone compared to mobile/web calls?

We’ve long said ‘free’ banking’s a myth. In reality, it’s ‘fees-free’ for those in credit. The price is no in-credit interest, high overdraft interest and hefty bank charges. Some policy wonks are calling for the end of 'free' banking. They say banks would mis-sell less, as they wouldn’t need to flog as many other products to subsidise it. So, a simple choice: would you change things?

We run this poll on big banks every six months, to see how the experience changes. We’d love your feedback. Please vote based on CUSTOMER SERVICE NOT RATE for your main bank current account over the LAST SIX MONTHS (please discount any service before that).