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Earlier this year Ofcom fined telecoms giant Talk Talk £750,000 for making an excessive number of abandoned and silent calls to potential customers.

It followed a £750,000 fine for Homeserve in April last year for similar misdemeanors.

They are a good starting point and can help you make informed choices.

While these services might be reliable sources of help and guidance and give you information about different options, they don’t offer what is known as ‘regulated’ financial advice.

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You will also have fewer rights if the product turns out to be unsuitable.Of those who have not yet officially complained, 31 per cent say they don’t know who to complain to, 40 per cent do not believe it will do them any good and 43 per cent do not think the calls will reduce even if they do complain.‘The TPS is effective at stopping unsolicited live calls from reputable and responsible companies that screen their contact details against its 'do not call' list of more than 18 million private household and mobile numbers.If you do receive an unexpected call from someone claiming to be from the Money Advice Service, make sure you don’t hand over any personal details and report the call to the FCA.uk/consumers/scams/report-scam If you have disclosed any banking information to a cold caller, contact Action Fraud on 03 or see their website actionfraud.For more on scams, see our beginners guide to scams.Unfortunately our face-to-face money advice service is no longer available.