Paul is The Independent's 'financial agony uncle': compiling its weekly Questions of Cash column, answering reader's questions and challenging banks and other companies on behalf of readers. Paul is also a specialist in public sector management and finance; accountancy; financial management; and social enterprise

Four Seasons homes are more than just places of care and everyday living support. They're also thriving communities in which each person feels part of the life of the home. Their teams take the time to get know residents, paying special attention to people's stories because places filled with stories and warmth are places that everyone is happy to call home. With over 250 Care Homes across the UK caring for more than 13,000 people, Four Seasons Health Care is one of the UK's largest independent health care providers.

Whether you want to get away from it all or get in on all the action, the Premier Inn Hotel Derry/Londonderry is a handy hub for your business or leisure break in this buzzing UK City of Culture. Venture into the past on a tour of the Walled City. Cross the striking new Peace Bridge and soak up the atmosphere in Ebrington. Or take your seat for a spectacular show at the Millennium Forum. Then, when it's time for a rest, try out our tasty restaurant, generously-sized rooms and lovely, cosy beds. Plus, you’ll get to experience our Next Evolution Style rooms – enjoy our latest design, improved connectivity, mood lighting and more throughout your stay.

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