We often hear: “To speak to an adviser, please select the subject of your enquiry.”

• Mistake: People often press a random number just to get it over with.
• Result: You end up speaking to an advisor, but from the ‘Mortgages’ department, when you actually wanted to ask about a savings account. That advisor won’t be able to help you and will transfer you on – and you’ll be back in the queue listening to music.

Tip: Listen to the menu all the way through. Choosing the right department (even if it takes a minute longer) is actually the quickest way to sort out your matter.