The personal finance stories you may have missed this week

660,000 fed-up customers have switched away from the energy giants in the last year

We’re often misled by ‘0 per cent’ balance transfer credit card offers and only one in 20 of us actually understands the true cost after being fooled by sneaky fees, according to Which? research published today.

Gas and electricity firms are being probed for competition failings and customer confusion

The personal finance news you may have missed this week

The US financial authority declined to raise interest rates for the first time in a decade

The energy giant has consistently cocked things up for long-suffering consumers

You are very likely to have the wrong bank account

Many of us think we'll never have to stop work due to health issues. But we should buy income protection, says Simon Read

The account was closed but then a debt-collecting agency demanded payment

An Independent reader's dreams for a decent retirement are shattered

It could mean that there are around 2,000 fewer bankruptcies every year

Personal Finance Editor Simon Read discusses why interest-only borrowers need to wake up; how you should react to a current account war; what is problem debt, and how to get out of it; and how to get free rugby tickets

Plan ahead and take advice to avoid sleepwalking into a financial disaster that could see you losing  your home.

Millions scooped the deals before the rules were tightened up three years ago

Bank's director of mortgages urges young parents not to 'stretch themselves beyond their means'

GetSporting.com offers deals that may be too good to be true

Meanwhile, high-street lenders continue to cherry-pick and be more competitive on larger loans

One of the funds Emma Lunn invests in was down 11.69 per cent over the past three months