Hi Just received a letter from MAS 5 who are the current mortgage company, in which they say they are to refund me late fees from period between 2009-2015. Great But that the refund will go straight into the account? Can I do anything to get them to pay it directly to me? Please help thanks

The service that is supposed to help those experiencing financial problems is "not fit for purpose", according to MPs. In a hard-hitting report into the Money Advice Service (MAS) published today, the Treasury Select Committee said it had wanted to scrap the service completely but had been persuaded to grant a stay of execution because the Treasury has already announced an investigation. The report condemns the "excessive pay" of senior staff and the amount of cash used to promote the service rather than help vulnerable people. The committee has called for an urgent review into the service, which has an annual budget for 2013-14 of £80m. In a telling sign of the importance of the issue, it has demanded the review must be completed "no later than summer 2014". The damning report criticised the "very large amounts spent on marketing" by the Government agency, which was set up to help people needing debt and financial guidance. It splashed out about £20m on communications and marketing in 2012-13, including some high-profile TV advertising. However, critics said the predominantly web-based service failed to help people, many of whom needed face-to-face advice. http://www.independent.co.uk/news/business/news/mps-condemn-money-advice-service-as-not-fit-for-purpose-8978820.html http://www.parliament.uk/business/committees/committees-a-z/commons-select/treasury-committee/news/treasury-committee-calls-for-independent-review-into-future-of-the-money-advice-service/