To be quite honest if this was any ordinary guy from the streets who had persuade you to invest your money with such disastrous results he would have no doubt been charge with fraud on a grand scale ( being working class of course ) however, because these people work under the guise of reputable stockbrokers or fund managers rather than thieves they simply get away with it, welcome to the real world cash in your chips and put it down to experience and let your friends and the rest of the world know who these bunch of vagabonds are, I'm afraid there is no easy solution just take what moneys left before they decide to squander that as well!

william thomson, Lincoln, Lincolnshire

Patrick Tribe, Swansea:

I'm afraid not, however, I have a 100% guarenteed solution.
Sell your shares, and give the £3500 to me.

In only 6 weeks, I'll have made it into £35000, which I will split with you 50/50.

If thats not good enough, I have $300 million in a bank account I need you to buy property with, all I need is a £3k release fee...

Dominic, Manchetser, UK

I emailed Vodafone Customer Services on Wednesday at 4.30pm and received a reply on Thursday at 10.48pm. Vodafone confirmed to me that :

"If...your phone is stolen, we do refund the calling credit, for this all you need to do is purchase a new SIM card and get back to us with your new SIM card and we will transfer your calling credit back to you."

My reading of their email is that they assume you would buy a new Vodafone SIM card.

So - given the quick response to my email, I would recommend you buy the new SIM card then email them.

And if you need proof of them having said this, then contact me and i'll forward their email to you. You can obtain my details from the Scottish Law Society.
Sarah McGregor, Glasgow

Sarah McGregor, Glasgow, Scotland

Advice for the vodaphone pay as you go customer t- I would suggest they contact the company - by phone gives a quicker response - & ask to speak to someone who has authority because they do not want to waste the operator's time (or their own) explaining the problem. Then calmly state that they have been a longstanding customer which shows their loyalty & that they are not the type of customer who is constantly switching providers. However, they feel that they might be inclined to start looking for other deals if they are not valued as a customer of vodaphone. To prevent this from occurring, vodaphone could offer to reimburse them for the loss of credit which is unlikely to have been used as vodaphone were notified of the loss of the phone promptly. In addition, although they have not previously been a very frequent user of the mobile, a change in their circumstances means that they are likely to be making more frequent calls & will be a more lucrative customer in the future

Shirley Andrews, Sardis, Nr Milford Haven, Pembrokeshire