Poll

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).

Lots of sales started before Christmas. Many that didn’t went into full swing online from Christmas Day, and in stores from Boxing Day. Did you/will you take advantage, or are you avoiding them like the plague? Choose the option that’s closest to your situation…

It's Christmas, so for this week's poll, we're forgetting money and going for a bit of fun. We've selected some of the best-loved Christmas films – ones involving or about Christmas, rather than those usually on over the festive period – and we’d like you to pick your favourite. Please vote for your FAVOURITE (if yours is missing, feel free to vent in the forum discussion)

It's nearly here. For some it conjures a picture of smiling children, fun, family and festive frivolity; for others it means stress, present pressure, debts and chores. So if we had a big red CANCEL CHRISTMAS button that'd make the whole thing disappear (and just add the days to your holiday entitlement), would you press it?

Christmas and the holiday season is an expensive time of year. So how much do you plan to spend on presents, food, and transport to see friends and family?

The Scottish Government has launched its white paper ahead of the independence referendum due in 10 months’ time. The question that’ll be asked is: "Should Scotland be an independent country?" While only people in Scotland will vote, we wanted to see the answer from across the UK.

For about a year, the EU Cookie Directive's forced UK websites to ask if you’re willing to accept cookies (files that track what you do) on your computer. It’s to make websites more transparent, and to allow you to stop them tracking if you want to. But often, saying “no” means you sacrifice usability. Is the cookie directive taking the biscuit? Which of the following is nearest to your view on the cookie directive?

Barclays has just announced more bank closures. These days, many people access banking services online, via an app or by phone. So is the bank branch a dying need? How often do you typically use a branch – other than just to use an ATM/machine in there - for PERSONAL (non-business) banking?

Winter’s coming and energy companies are hiking their prices. So have you turned your heating on at home yet?