Financial journalist and campaigner Martin Lewis was on hand to answer a wealth of questions from viewers tonight on the ITV money show. He also shared some of his latest money insights.

Martin explained that the fee that a person is charged should be proportionate to the cost of doing it.

“But it wasn’t, it was too much,” he said, “so you’re entitled to £54 back per application.

“You don’t need to pay anyone. This is so easy.

“You go onto the GOV.UK website, it’s got a reclaim form, you fill it in and they send you the money.

“Why am I doing this so urgently? Because your last chance to do it is the 31st of January.

“That’s less than two months away – so get on with it.”