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Vincent Duggleby and a panel of guests answer calls on questions and problems you have had in dealing with your bank. Vincent is joined by Guy Anker, News Editor for Moneysavingexpert, Mark Mullen, Chief Executive Officer at the bank First Direct and Michelle Slade, Media Relations Manager from Nationwide Building Society.

Are you getting a good enough interest rate on your savings? If not, could you do better? How much are you being charged for your overdraft or loan? Could you pay less elsewhere?

Is your bank treating you well as a customer? Does it communicate with you clearly? If you have a complaint, is it dealt with quickly and fairly?

Banking practices are changing all the time but are they always changing for the better? One bank is planning to no longer send monthly paper statements. Many are using automated calls to warn customers they are going overdrawn or an unexpected transaction has appeared on their account. Another bank now allows you to access emergency cash without your bank card using a code. Is this making banking easier or may these changes create new problems?

In tough economic times, how are the banks treating customers who fall into debt? If you want to borrow but do not have a full credit history, is your bank willing to accommodate you?

Are the banks doing enough to help customers who can only have, or need a basic bank account?

Is it easy enough to switch banks?

Producer Bob Howard.