Times Money readers have years of experience of tussles with the likes of British Gas and TalkTalk. If you are having problems with a service provider or financial institution, email us here. Explain what the problem is and what you would like to achieve. One dilemma will be published each week. The reader who sends the best answer will receive a £25 gift voucher.

Keep your emails concise and include your name, address and telephone number. Due to the volume of mail we receive, please understand that we cannot publish all requests.

This week's problem:

"I shall soon receive a (small) Belgian pension, paid by monthly euro-denominated cheque. NatWest advises that these can be deposited in my current account, but at its 'buy' rate for euros. How can I minimise the exchange loss? A euro account appears to have the same disadvantage when drawing sterling."

DAVID WOOD, Bromley, Kent

Email us your answer here for a chance to win!