Money Talks: student woes, Wonga joy and a house price surprise Plus, paying for London’s ‘super sewer’, BT goes mobile and Paul McCartney’s Liverpool home under the hammer Hilary Osborne theguardian.com, Thursday 5 February 2015 11.10 EST University students complain that their courses are being changed unfairly and unexpectedly. Photograph: Wavebreak Media/Alamy Hello and welcome to this week’s Money Talks – a roundup of the week’s biggest stories and some things you may have missed. Money news University students trapped by ‘unlawful’ ts&cs Wonga escapes criminal investigation over faked legal letters January’s UK house prices show unexpected climb Water bills fall but Thames customers to pay for ‘super sewer’ How does BT’s purchase of EE affect me?  Paul McCartney’s Liverpool childhood home up for auction Average cost of motor cover driven down by £50 over two years Feature Is it time to invest in a dashcam? In an accident, dashcam footage should provide a reliable, independent account of events. Photograph: Alamy Work advice Career cares? Work woes? Out of love with the office? Our expert is on hand to help. Put your questions to Jeremy, and help other readers with their worries. Consumer champions Finally putting the lid on a faulty B&Q toilet seat Npower’s chaotic billing has left us with a £600+ debt Defrauded online but I ended up with a black mark on my credit file In pictures Homes in the sun Away: Bahamas, Royal Ocean Club. Photograph: Brookes & Co In the spotlight Changes to the pension system are looming, leaving many wondering about their options. Our homebuying expert Virginia Wallis has advice for one family Money deals If you are looking for a new mobile phone deal use the Guardian comparison service to save up to 40% on high street prices. Like your phone not your contract? Switch to a flexible sim-only deal. Get 1GB of data, 200 minutes and unlimited text for only £10 per month with giffgaff.  Sign up for the Guardian Today Our editors' picks for the day's top news and commentary delivered to your inbox each morning. Sign up for the daily email

More from Guardian Money Deals New year, new home? Get started with one callOur mortgage advice service can start your search for the right deal in minutes.See our mortgage best buys Save with guardian annual travel insuranceCover all your travel plans for the next year and you could save time and money too Get a quote now Switch now to avoid a big winter energy bill Find out if you could save on your energy bills with our comparison serviceCompare energy deals now Treat yourself to a new mobile deal - save up to 40%Compare the latest handsets and sim-only deals to find the best deal for you Find out more YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE