The team investigate the contracts you've signed up for, but which haven't delivered what you expected, including home repair policies that didn't live up to expectations, car insurance that caused headaches instead of peace of mind, and the funeral plans that fell apart. Julia, Angela and Gloria reveal how you can make sure you don't come a cropper too. All that and more in the advice clinic – with problems sorted, and clear and simple tips on how to keep more of your money in your pocket.