Here the distinction between two usages is clarified. First situation deals with the position at the moment or now and Second position deals with reference to the general position.

• I haven’t any money. ( by this you mean to say that you have no money right now.  Example, you are meeting a friend of yours  on the way, and he is in need of some money now.)
• I don’t have any money. (This doesn’t mean a period ‘right now’.  Example, he likes to buy a car, but his financial position is not favourable to satisfy his desire)
• Have you any brothers or sisters? (correct)
• Do you have any brothers or sisters? (incorrect)
• Have you indigestion? (  maybe , this is asked by a doctor with specific reference to the present time (now), not as a general case.
• Do you have indigestion? ( a doctor may require this type of clarification whether generally you suffer from indigestion, not just related to the present position.)
• Have you much homework to do? ( means right now or presently)
• Do you have much homework to do? (means not today, but generally)
• He hasn’t any secretary. ( right now he hasn’t any secretary, maybe he might have had a secretary earlier)
• He doesn’t have a secretary. (He has no secretary either in the past or at present to assist him)

Note:- but , in the past tense the distinction is not so definite or so important.

Thus:

• I hadn’t enough money to pay the bill.  OR –  I didn’t have enough money to pay the bill.
• Had you any difficulty in finding the house?  OR  –  Did you have any difficulty in finding the house?