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Gloria Hunniford, Julia Somerville and Louise Minchin investigate the case of the homeowner who paid a company nearly £2,000 up front for garden maintenance, but has nothing to show for it. She is offered expert advice on how to recover the money. In the first of our new how-to guides, consumer expert Harry Kind explains how to find a tradesperson you can trust. And in the advice clinic, the team head to Mansfield to meet the holidaymaker whose UK winter break was cancelled due to adverse weather. So why did her travel insurer deem the snow and ice wasn’t severe enough to pay out?