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When customer service lets you down, consumer champions Julia Somerville, Angela Rippon and Gloria Hunniford rise up. Today, payment holidays are meant to help out those people in tricky financial situations, so why are some people feeling that taking one out has left them in a worse position than when they started? How demand for home improvements has led some people to use builders they wished they had never gone near. And if you鈥檝e ever aspired to be a model or actor, be careful which agent you choose. The wrong one could see you losing thousands. And there are more hints and tips from the experts in our virtual advice clinic.