I took out a critical illness policy 8 months ago. last week my doctor diagnosed a condition that he said id had for some years but had not been noticed. Do i have to tell my insurer and will it cause a problem with my insurance?

if I enter a debt management scheme, can i getthe money i owe on HP reduced?

If I have a claim, do i have to accept a replacement item or can I ask for a cash settlement?

My existing credit card won't increase my credit limit so I have decided to apply for a new one. I have heard that it can be difficult to get a new card so should I apply for 3/4 on the basis that that will increase my chances? Please advise.

I work for a national housebuilder in their surveying dept. Last week i applied for income protection but have been turned down. No reason was give but my credit history is perfect. What can i do?