I expect to receive a lump sum of £80,000, plus a net income of £1,000 monthly. I have an endowment mortgage for £60,000 due to finish in 2010, with an expected shortfall of £8,000. I have paid off my £10,000 mortgage, but I continue to hold the underlying Legal & General endowment. How do I sell it on the market to obtain a higher value than the surrender value? JT, Chester.A. You can go to a broker who can obtain quotes on your behalf or yourself go online to the websites of the Traded Endowment Policies Exchange ( ) or the Association of Policy Market Makers ( ) to seek offers.Q I will soon retire at age 49. Phones4U apologises for your problems which it says stem from a misunderstanding at the point of sale. Despite many attempts in nearly three months we have found it impossible to obtain a detailed response from 3 regarding your problems, but we understand it is co-operating with the solution provided by Phones4U.Q.

I get no satisfaction from my letters and calls to both companies JE, Southampton A. Phones4U has agreed to pay off the rest your contract, but 3 will honour the unused free minutes for the entire period of your existing contract. 3 says the problem is with Phones4U and I must pay for more than the year's contracted payment to cancel. When I cancelled my direct debit, 3 cut off my phone although I had used only 100 of my 2,000 free minutes. I was told I could change my tariff from £100 a month to £15 a month after three months, but now 3 is enforcing a longer term contract.

I needed a tariff giving me the lowest cost for the highest minutes for a short period to enable me to work from home until a landline was installed. I have been sold a mobile phone contract by Phones4U on the 3 network. We have forwarded to you the contact information of the person trying to return the deposit.Q. Acorn Stair Lifts, which owns Brook, says it has written several times asking for details of how to repay the deposit, but has received no reply. She paid a £1,000 deposit to have a lift fitted by Brook Stair Lifts. But before the lift could be fitted she had to go into residential care Now we can't get the deposit back MM, Bishop's StortfordA.