Money Box

It was a big week for carers as the Government announced an independent review into Carer's Allowance overpayments after families were told to pay back thousands of pounds, often pushing them into debt.

The review will look at what happened, but in the meantime the Department for Work and Pensions has told Money Box it will continue to collect almost quarter of a billion pounds it says it's owed from more than a hundred thousand carers. We hear from Karina who cares for her 22-year-old daughter and ended up in £11,000 worth of debt. The DWP said it is committed to working with anyone struggling with repayment terms.

A major investment firm has said it will review its Child Trust Fund accounts after Money Box revealed one young man's £250 investment had all but disappeared when he claimed it at 18 due to high administration charges.

In the run up to the Chancellor's budget we look at fuel duty and whether the 5p cut could be scrapped. And beware the thieves pretending to offer a solution to lost Winter Fuel Payments.

Presenter: Paul Lewis Reporters: Dan Whitworth and Emma Smith Researcher: Jo Krasner Editor: Sarah Rogers

Each year it’s estimated that £23 billion worth of help and support – from housing benefits to pension credit – goes unclaimed according to Policy in Practice.

We look at the kind of help that is available, and hear from listeners on their experiences trying to claim the benefits they’re entitled to, as well as who might be able to get money off their childcare or broadband bills.

Presenter Felicity Hannah is joined by a panel of experts who answer your questions on how to make the best of the available support: Rachael Walker, research and policy director at Policy In Practice; Sam Hubbard, Head of Core Services at Citizens Advice in Staffordshire North and Stoke On Trent and David Samson, a benefits expert at Turn2Us.

And we hear from a range of people with their own experiences of trying to secure benefits – sometimes during life-changing moments. Gary from Lincolnshire tells us how he had to become a carer for his poorly wife. But during a difficult journey to obtain benefits, it was only by chance that he discovered certain types of support he was entitled to. Meanwhile, Esther from London tells us how she wasn’t aware she could be entitled to a carer’s allowance for her children – two of whom have complex needs .

Presenter: Felicity Hannah Producer: Craig Henderson Editor: Sarah Rogers

(This episode was first broadcast on Wednesday 16th October 2024).

The Government is writing to 120,000 people aged 66 or more encouraging them to claim the means-tested benefit pension credit, which will also entitle them to the winter fuel payment. The letters will go out from next month to people the Department for Work and Pensions has identified as likely to be entitled following a targeted trial scheme last year.

Also on the programme, a leading debt charity calls for the way council tax debt is collected to be reformed, and why do millions of renters not insure their belongings?

Presenter: Paul Lewis Reporters: Dan Whitworth and Emma Smith Researcher: Jo Krasner Editor: Sarah Rogers

(First broadcast 12pm Saturday 12th October 2024)

Buying a home is legendarily one of the most stressful events in life so today on Money Box Live we're going to try to take some of the pressure off by talking you through how it should work.

Obviously there's much more to it than finding your dream house and a lot that can happen between viewing a property and getting the keys.

We talk to first-time buyers on the property hunt in Stockport in Greater Manchester, and our panel of experts, Simon Gammon, Head of Finance at Knight Frank and Beth Rudolf from the Conveyancing Association joins Felicity Hannah to take questions from listeners.

Presenter: Felicity Hannah Producer: Craig Henderson/Sarah Rogers Editor: Sarah Rogers

This episode was first broadcast on Weds 9th October 2024.

In a special programme broadcast live from the Atrium in Quay House at MediaCityUK, Paul Lewis discusses a momentous change in the way banks treat customers who have money stolen from their bank accounts by what is called Authorised Push Payment Fraud.

In 2023 a record number of people lost hundreds of millions of pounds to thieves who tricked them, manipulated them and then drained their bank accounts.

On October 7th new rules will come into force which mean nearly all transfers will be covered, so that victims will be refunded in the vast majority of cases up to a limit of £85,000.

Money Box gets hundreds of emails from people who've lost money to scams and frauds and this will be life changing for those who find themselves a victim of this kind of crime.

To mark this change, the team will be joined by a panel of experts and people who've lost thousands of pounds in these sort of scams.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Studio Producer: Sarah Rogers Studio Managers: Pete Smith, Matthew Dempsey and Cameron Ward Editor: Jess Quayle

(First broadcast 12pm Saturday 5th October 2024)

This month the new government will reveal its plans for the nation's finances in the Budget.

We've been told 'difficult decisions' lie ahead as the Chancellor Rachel Reeves seeks to plug what she says is a £22bn black hole left by the previous government.

There's been plenty of speculation around Capital Gains Tax, Inheritance Tax and pensions tax relief - but what are they and who pays them?

Our email inbox has been full of questions from listeners - so on this weeks Money Box Live we will be answering as many as we can.

Felicity Hannah is joined by Elsa Littlewood, Tax partner at accountancy and business advisory firm BDO and Kirsty Stone a financial planner at The Private Office.

We also have a new way to get in touch, WhatsApp Money Box on 03306 783183.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast on Wednesday the 2nd of October 2024)

A new report given exclusively to Money Box is calling for more help for working families on Universal Credit. The University of Bath’s Institute for Policy Research wants the government to raise earning thresholds for extra help like free school meals, NHS prescriptions, council tax support and NHS dental help. The government says it's committed to supporting low-income families by extending the Household Support Fund by £421 million. It also told us its commitment to reviewing Universal Credit so people receive the support they need, saying it is taking "bold action" to help people into work so they can gain financial independence and break down the barriers to opportunity.

Banking Hubs should start offering more help for customers with advice on scams, getting online and creating Power of Attorneys according to the former chair of the watchdog, the Financial Conduct Authority. Charles Randell, who’s now a member of the Financial Inclusion Committee, says banks need to invest more in the hubs as bank branch closures continue to hit communities with more than 6,000 having closed since 2015. UK Finance, which represents banks, says significant ongoing investment is being made to support customers with access to cash and day to day banking needs.

What changes could the Chancellor make to ISAs and Dividends in her October Budget?

And energy prices go up next week - what does it mean for you and how does it work?

Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researchers: Emma Smith and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 28th September 2024)

Across the UK freshers are heading off to university, many leaving home for the first time and most of them are paying for at least some of that with their student loans.

Graduates in England leave university with average debts of around £48,500 according to the Student Loans Company.

Tuition fees vary depending on where you live in the UK. Last year students in England were told they'd be paying back their loans longer than the graduates who came before them.

So, this week we're looking at how much a degree really costs. Felicity Hannah will be joined by Tom Allingham from Save the Student and Kellie McAlonan, Chair of the charity the National Association of Student Money Advisers.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast 3pm on Wednesday 25th September 2024)

People are missing out on nearly two billion pounds' worth of discounts on water bills and broadband, according to Citizen's Advice. Social tariffs give lower prices to people on low incomes, but the charity says there's a "postcode lottery" when it comes to what people can get. The government says more than 1.3 million households in England and Wales benefitted from £200m worth of help with water bills in 2022/23 and that it's working with broadband providers to raise awareness of social tariffs. Industry groups say many customers choose low-cost broadband over social tariffs and the number of households getting help paying for water should double by 2030.

How might the Chancellor change tax relief on pensions in the upcoming budget?

More than 11 million people used Open Banking in July - that figure was up by 12 percent on the month before. We'll discuss how it works.

And, have you been affected by a scam? Ahead of a special programme on October 5th we'd like to know your experiences - email moneybox@bbc.co.uk.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Jo Krasner and Emma Smith Editor: Jess Quayle

(First broadcast 12pm Saturday 21st September 2024)

There are nearly 70,000 children in the UK who are in foster care.

Foster carers main concern has to be the children they look after, including many who have experienced neglect and trauma. But they are self-employed, so there are also financial considerations, from allowances and fees, to tax returns and receipts.

In this programme we'll hear from charities, foster carers and care leavers. We'll also discuss new analysis from the Fostering Network, which found foster carers face a post code lottery when it comes to fees they’re paid.

Foster carers are given an allowance to pay for clothes and food - but they're also usually paid extra on top to recognise their time and skills. Those fees aren't fixed though, and local authorities can each individually decide how much to award.

Using freedom of information requests the charity found 60% of local authorities across the UK are paying foster carers the equivalent of less than £5 an hour based on a 40 hour week. Local Authorities are given funding from central government and the devolved nations – the told us they are reviewing support for foster carers.

Felicity Hannah, is joined by Sarah Thomas, Chief Executive of The Fostering Network and Brenda Farrell, Head of Fostering at Barnardo's.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast at 3pm on Weds 18th Sept 2024).

Hundreds of thousands of disabled pensioners will be unfairly impacted by the cut in Winter Fuel Payment, according to two leading charities who've spoken exclusively to Money Box. Disability Rights UK and Age UK have both told us that disabled pensioners often have higher energy bills because of medical needs and sharp cuts to the number of people receiving the payment will disproportionally affect them more than others. The government says it's committed to giving pensioners the dignity and security they deserve in retirement but says given the state of the public finances its inherited it’s right that it targets support to those who need it most. It says its protecting disabled pensioners through extra disability benefits such as Attendance Allowance, Disability Living Allowance and Personal Independence Payments. And that over a million pensioners will also continue to receive the Winter Fuel Payment and those on the full new State Pension will receive over £400 boost through the triple lock.

How might the Chancellor target Inheritance Tax in the upcoming Budget? Latest figures show that the government received a record £7.7 billion from IHT in the 12 months to July, up over 5% on a year before.

And, what can be done to encourage self-employed people to pay into a pension?

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 14th September 2024)

Figures given exclusively to Money Box Live show that almost two-thirds of people who called the National Gambling Helpline had gambling related debt. So what are the options and what support is available?

This week Felicity Hannah speaks to those affected by gambling, either themselves or through a family member. Joining her to talk about it are Nicholas Hill from the Money and Pensions Service which is sponsored by the Department for Work and Pensions and Raminta Diliso Head of Gambling Related Financial Harm at the Charity GamCare which is in part funded by the gambling industry.

If you've been affected by addiction - help is available at bbc.co.uk/actionline.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(First broadcast 3pm on Wednesday 11th September 2024)

Hundreds of millions of pounds has been made available from the government for local authorities across the UK to spend on those most in need of financial help. Known as the Household Support Fund it's made up of £421 million for councils in England with another £79 million for devolved nations. Dan Whitworth meets Sam, who's 28 and got help from the fund via Stockport Disability.

A new report analysing the finances of people on low incomes who apply for loans has found a third were declined because of 'excessive gambling'. Salad Money is a social enterprise, providing credit to people earning between £25k and £35k per year. It says that out of 170,000 people who applied for loans in the first three months of this year, a third were turned down. We'll hear from the CEO of Salad Money, Tim Rooney.

The consultation which could mean fraud victims who lose more than £85k won’t get their money back when new refund rules come into force in October.

And what tax changes could the government make in its first budget? We’ll discuss Capital Gains Tax and how it might be impacted.

Presenter: Felicity Hannah Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 7th September 2024)

Working parents and carers of children aged 9 months or over are now entitled to 15 hours of funded childcare a week during term time.

50 hours of nursery can cost around £14,000 a year, so it's a welcome relief for many. There had been warnings that parents would struggle to find places but the government says it is confident about meeting demand.

From next September, the offer is set to rise to 30 hours, and include children up to school age too.

Education Minister, Baroness Smith has said it'll be a challenge to meet that level of demand with the Department for Education estimating about 85,000 more childcare places and 40,000 extra staff will be needed by 2025.

On today's programme we will be hearing from parents as well as the CEO of Kids Planet, one of the countries largest providers. Felicity Hannah will also be joined by Jonathan Broadberry, Policy Director at the National Day Nurseries Association and Emma Broome, Chief Executive of children's charity Coram.

We'll also look at the new rules coming in to make childcare cheaper in Northern Ireland.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(First broadcast at 3pm on Wednesday the 4th of September, 2024)

Many pensioners in England and Wales will lose Winter Fuel Payments this year. This annual payment had been universal and worth £200 or £300 pounds a year, depending on your age. From this winter it will be restricted to pensioners receiving Pension Credit or other means-tested benefits. The reason for means testing it this way is to save money - about £1.5bn each year. In a statement the government told us that "given the dire state of the public finances we have inherited, it’s right that we target support to those who need it most." So how will you be affected? The Department for Work and Pensions has urged people to check if they could be eligible for Pension Credit - you can check here: https://www.gov.uk/pension-credit-calculator.

The Post Office handled a record amount of cash last month with customers either depositing or withdrawing more than £3.7bn. That new figure beat previous record highs set in May and April suggesting not only is there continued demand for cash, but that people are using Post Office branches more and more to get it. Dan Whitworth visits a branch in North Lincolnshire.

And, what does the expansion of funded childcare hours for working parents mean for those who’re set to benefit?

Presenter: Felicity Hannah Reporter: Dan Whitworth Researcher: Catherine Lund Editor: Jess Quayle

(First broadcast 12pm Saturday 31st August 2024)

Not every dream job has an obvious route to success, so how do you make your passion project pay without falling behind on your bills?

Visa research shows that around 45% of Gen Zs (people born between the late1990s and the early 2010) have a side hustle, but it's not just for the cash. More than a quarter of those are working at a passion project.

So how do you make it if you want a career in comedy or to bag an Olympic gold? Do you have to tell your boss if you're doing extra work on the side? And what should you do about tax?

Today we're talking to an Olympian who worked as a custody officer, a comic book writer who worked in a biology lab and an aspiring DJ who's on a zero-hours bar contract.

Felicity Hannah is joined by Jack Gamble, Director and CEO of the Campaign for the Arts and employment lawyer Rupa Mooker.

Presenter: Felicity Hannah Producer: Sarah Rogers & Catherine Lund Editor: Jess Quayle

(First broadcast 3pm Wednesday 31st July 2024)

Nearly 10,000 people have needed free debt advice because of accidental overpayments by the Department for Work and Pensions in the past 12 months. That's according to figures from Money Wellness, a debt advice company which is funded by the government's Money and Pension Service. It says because most of its clients are low income households these debts can have significant knock-on impacts on the rest of their finances. The DWP says its staff work hard to support customers, and it's important to explore ways to reduce fraud and error so it can support the most vulnerable in society.

What will the new Pensions Bill announced by the Labour government in the King's Speech mean for your finances? We'll discuss plans to bring small pension pots, which people get after short term jobs, together.

Campaigners are calling for bereavement support payments to be extended for longer and for the amount given to families to rise with inflation. At the moment parents under pension age whose partner dies are entitled to bereavement benefits - as much £3,500 followed by 18 monthly payments of up to £350. The charity Widowed and Young would like those payments to be in place for longer. The Department for Work and Pensions told us that it knows losing a loved one is devastating and that it's committed to supporting those most in need through the welfare system.

And what's the best way to pay while you’re on holiday abroad?

Presenter: Paul Lewis Reporters: Dan Whitworth, Sarah Rogers and Jo Krasner Researchers: Immie Rhodes Editor: Jess Quayle

(First broadcast 12pm Saturday 27th July 2024)

Felicity Hannah looks at giving someone Lasting Power of Attorney - that's the authority to manage your financial affairs in the event that you couldn't.

What are they, how do they work and how much do they cost? This programme is dedicated to answering your questions.

On the panel we have Sam Cox, knowledge officer from the Alzheimer's Society and Melinda Giles, partner and head of court protection at Giles Wilson Law.

Presenter: Felicity Hannah Producer: Neil Morrow Editor: Jess Quayle

(First broadcast 3pm Wednesday 24th July 2024)

New tactics to fight mobile phone fraud are being rolled out across England and Wales. It's when mobile phones are stolen not for the value of the physical handset but for criminals to access the banking and financial apps and steal money from victims. Paul Lewis speaks to the national lead on robbery, Commander Richard Smith, about how new intelligence and techniques to pursue suspects have led to arrests and prosecutions going to court.

More and more of us are paying tax on our savings. Recent figures suggest that in April over 6 million savings accounts were set to earn enough interest to have to pay tax. That is more than double the number of accounts the year before, according to analysis by the lender Shawbrook. In November, HMRC told us that for the majority of customers this tax on savings interest is automatically collected using their tax code, but many listeners get in touch concerned they will have to pay tax and wondering how to do it. What should they do?

Listeners and lawyers who are court appointed deputies say banks won't let them act properly for the person they protect. We’ll speak to the Association of Lifetime Lawyers about what they're seeing. UK Finance, which represents banks, says it knows there's more to be done and that it's working with members and government bodies to look at how greater consistency can be achieved across the industry.

And, what's a children’s pension and how do they work?

Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researcher: Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 20th July 2024)

Average rents in the UK rose by well over 8% in the past year, according to the ONS. In today’s King’s Speech, the new government has committed to introducing legislation to give greater rights and protections to people renting their homes. That included ending no fault evictions and reforming grounds for possession.

So what will that mean for your money and your home?

Joining us are Jasmine Basran from Crisis - a charity for people experiencing homelessness, Richard Donnell, from the property platform Zoopla and Richard Blanco, a landlord and property expert from the National Residential Landlords Association.

Presenter: Felicity Hannah Producer: Sarah Rogers Studio Producer: Neil Morrow Editor: Jess Quayle

(First broadcast 3pm Wednesday 17th July 2024)

More than 9 out of 10 people did not pay for financial advice in the past two years and that number is growing. The figures come from surveys by the financial services consultancy The LangCat. It found the proportion of people paying for financial advice fell from 11% of adults to 9% between this year's report and one they did a year ago. We'll hear from them about the reasons behind it.

What will the new government do to change employment rights and wages? We’ll discuss the potential new employment bill ahead of the King's Speech.

And the new security measures people can take to protect themselves from mobile phone fraud. This is when people's phones are stolen not for the value of the physical handsets but so criminals can try to access the financial apps stored on them to steal hundreds or, often, thousands of pounds from victims.

Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researcher: Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 13th July 2024)

A new government has taken office so what might that mean for the financial issues you've told us you care about?

A big topic you got in touch with us about is the cost of care in old age.

Unlike NHS services, social care is not free at the point of use and a place in residential care costs around £60,000 a year according to carehome.co.uk. The bill can go up enormously for anyone who needs extra support. Plus it's a devolved issue with different rules depending on where you live.

A cap limiting the cost of personal care to £86,000 per person over a lifetime is due to come into force in October 2025 in England but will this still be the case?

Felicity Hannah is joined by Nadra Ahmed from the National Care Association, which represents care homes and Simon Bottery, Senior Fellow in Social Care at The King's Fund, which is an independent think tank, specialising in health.

Presenter: Felicity Hannah Producer: Sarah Rogers and Immie Rhodes Editor: Jess Quayle

(First broadcast at 3pm on Wednesday July 10th 2024)

The Prime Minister, Sir Keir Starmer, has swept to power promising change, but there will be no change in the rates of the three big taxes - income tax, National Insurance, and VAT to protect what their Manifesto called 'working people'. So what will the new Labour government and the new Chancellor Rachel Reeves mean for our money?

The listener being chased for more than £60,000 worth of energy debt she didn't owe. It comes as new, exclusive figures reveal more people are seeking help from Citizens Advice over debt collection.

And there are signs that mortgage rates are beginning to creep downwards – what does that mean for those coming off a fixed rate deal?

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Studio Production: Craig Henderson Editor: Jess Quayle

(First broadcast 12pm Saturday 6th July 2024)

Almost 300,000 flights will take off over the summer months and whilst most holidays go without a hitch, others fail to get off the ground.

Last year saw widespread disruption at airports, in August there was an exceptional IT failure at the UK’s main air traffic services provider NATS over a bank holiday Monday which affected around three quarters of a million people. Strikes and staff shortages also caused disruption.

In this programme we'll discuss what your rights are if your trip is delayed or cancelled, as well as a Brexit passport rule which has been catching thousands of passengers out.

Felicity Hannah is joined by consumer rights champion Jane Hawkes and Sean Tipton from ABTA, which is the association of travel agents and tour operators.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

(This episode was first broadcast on the 3rd of July 2024.)

This time next week the General Election will be over. As the days count down we'll get into the nitty gritty with listener questions on Inheritance Tax, Capital Gains Tax and ISAs.

Some lawyers and listeners who are acting as powers of attorney have told Money Box they're having problems dealing with banks on behalf of their clients and relatives. The Association of Lifetime Lawyers, a group of legal professionals who support vulnerable and older people, has also told this programme banks need a more streamlined and consistent approach to dealing with powers of attorney. UK Finance which speaks for the banks acknowledged there is more to be done. It says banks are working with members and government bodies to look at how greater consistency can be achieved across the industry.

And a tribute to former Money Box presenter and founder Vincent Duggleby, who sadly passed away earlier this month.

Presenter: Paul Lewis Reporter: Felicity Hannah Researchers: Neil Morrow, Catherine Lund and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 29th June 2024)

Around 38,000 children move into care every year in the UK. That's one every 15 minutes and a significant number of looked-after children will remain in the system until they reach adulthood. So what happens then?

In this programme Felicity Hannah talks about what happens when you leave care. Without the bank of Mum and Dad, what financial support are those young people promised?

We're joined by Jess and Callum, two care leavers as well as Kirsty Doull, Care and Transitions Lead at CELCIS, which is the Centre for Excellence for Children's Care and Protection, Carrie Wilson-Harrop from the Care Leavers Association and Clare Bracey, Policy, Campaigns and Communications Director at the care leavers charity, Become.

Presented and Produced by Felicity Hannah. Producer: Neil Morrow Editor: Jess Quayle

(First broadcast 3pm Wednesday 26th June, 2024)

There's less than a fortnight to go before the polls open in the General Election. The deadline's passed to register to vote, but there's still plenty of time to work out where you'll put that cross on the ballot paper. This week Money Box is talking about housing - focusing on your questions and comments.

Imagine being told you owe more than £7,000 for your gas. You spend months trying to explain there's no way you could possibly owe anywhere near that amount, only to be told one day that because you still haven't paid it your details are being passed onto a debt collection agency. We investigate one listener's story.

And new research shared exclusively with Money Box suggests almost a third of people are struggling to afford their car insurance. In a survey of more than 4,000 people the abrdn Financial Fairness Trust, a charity who carry out research to help improve living standards across the UK, found almost 1 in 3 people described their car insurance premiums as ‘unaffordable’. What can you do about it?

Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researcher: Jo Krasner Editor: Jess Quayle

(First broadcast at 12pm Saturday 22nd June 2024)

The number of people working into their late 60s, their 70s and beyond is rising. In this programme we'll discuss what that means for their employment rights and what it tells us about their finances.

Back in the 90s, only around 5% of peopled aged 65 or older were in work. In the early 2000s, that rose to around 6%. But recently released data from the Office for National Statistics shows that today almost 12% of people in that age group are in some form of employment. That's almost one and a half million people.

Felicity Hannah is joined by older workers to explore their finances, their struggles and their rights to challenge discrimination. She'll be joined by Dr Emily Andrews, Deputy Director for Work at the Centre for Aging Better, and Sarah Jackman, an employment lawyer at the law firm Dentons.

Presented and Produced by Felicity Hannah Studio production: Amber Mehmood Editor: Sara Wadeson

(First broadcast 3pm Wednesday 19th June, 2024)

Nineteen days to go before your cross on a ballot paper will help decide who runs the country. You have been telling Money Box what matters to you. This week we'll discuss how much tax you already pay and whether that will change after 4th July.

The head of the UK payment regulator has rejected calls to delay a new fraud reimbursement plan which is due to begin on 7th October. It will mean that victims of fraud are fully reimbursed for losses up to £415,000. We'll have more on this story.

And more than half a million people are now getting help with their finances, often saving substantial sums of money, thanks to something called the Vulnerability Registration Service. What is it and how does it work?

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Immie Rhodes and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 15th June, 2024)

As we continue our series of listener questions ahead of the election, we focus on the Cost of Care and how care later in life should be paid for. Dan Whitworth has been to Shipley to meet Graham, who’s concerned about the cost of his own care – he wants to know what politicians plan to do about it.

Energy companies are continuing to hang on to billions of pounds of their customers' money, which has built up as credit on their accounts. The energy regulator Ofgem says that during 2023, the average amount of credit in energy accounts for people who pay for their gas and electricity by fixed direct debit was £3.7 billion pounds. What's behind that?

More than half a million people were left without their Child Benefit payment this week, after a technical issue at HMRC. What was done to help them?

And this week, new banknotes featuring a portrait of King Charles III came into circulation – how can you get hold of one?

Presenter: Felicity Hannah Reporter: Dan Whitworth Researchers: Jo Krasner and Catherine Lund Editor: Jess Quayle

(First broadcast at 12pm Saturday 8th June, 2024)

We hear from a pensioner on benefits who tells us she was shocked to find herself having to pay tax on her pension for the first time. With expert help, we explain the so-called ‘triple-lock’ mechanism and why the point at which you can be taxed on your pension has become a big talking point in the election campaign.

Also in the programme, sneaky hidden extras on your online shopping have been banned under new laws passed this month. So called ‘drip pricing’ is when consumers are shown an initial price for an item or service, only to find additional fees are added on later at the checkout. We look what the rules are and how they'll work.

Every time you use Mastercard or Visa debit or credit card to pay for something – the business you’re buying from has to pay fees. Some of these fees are optional, but many of them are mandatory. But now an interim report by the watchdog - the Payments Systems Regulator – found that these fees charged to shops and other businesses by Visa and Mastercard have been rising much faster than inflation, 30 % faster, but that there is no evidence that the service provided has improved

And we look at the scale of fake stamps in the UK. Royal Mail initially responded by charging people a penalty if they received items that were sent with a fake stamp. Although those fines are now ‘paused’, we reveal just how much they amounted to.

Presenter: Paul Lewis Reporters: Sarah Rogers and Neil Morrow. Researchers: Sandra Hardial and Neil Morrow Editor: Craig Henderson

(This programme was first broadcast Saturday June 1, 2024)

What are the financial issues that you will be considering when you decide how to cast your vote in the General Election in July? Research shows that the economy and inflation are two big issues on our minds - we'll hear from some potential voters on what they'd like to see.

New figures from UK Finance, which represents banks and other finance firms, revealed that in 2023 a record number of people lost more than £450 million to thieves who tricked them, manipulated them and then drained their bank account. The slightly better news is that more of them got their money back. We'll delve into the details.

And almost three quarters of a million tax credit renewal letters are hitting people's doormats over the next few weeks - and thousands of people will need to act or face losing their payments. What should you do if that’s you?

Presenter: Paul Lewis Reporters: Dan Whitworth, Sandra Hardial and Neil Morrow Studio Producer: Craig Henderson Editor: Jess Quayle

(This programme was first broadcast Saturday 25th May 2024)

Money Box can reveal that the government is recouping more than £250m pounds from over 100,000 carers who it says broke the earnings rule and should have lost their carer's allowance. The numbers came from a Parliamentary Question this week asked by the chair of the work and pensions select committee, Twice as many women as men are being chased for these overpayments.

We hear from a carer who has around £5000 worth of debt as well as finding out more about rights for carers affected.

The Department for Work and Pensions told us, “The total amount of Carer’s Allowance overpayments includes historical debts which the department is seeking to recover. In comparison, Carer’s Allowance expenditure is forecast to be £4.2 billion this year alone.” “Carers across the UK are unsung heroes who make a huge difference to someone else’s life, and we have increased Carer's Allowance by almost £1,500 since 2010.”

Also on the programme, a report by spending watchdog the National Audit Office has revealed callers to HMRC helplines were on hold for a total of 789 years in 2022/23.

Are we saving enough for our retirement? Pensions and investment mutual Royal London gives Money Box exclusive figures.

And how do you spend a £50 note? We get to the bottom of what shops are allowed to accept.

Presenter: Paul Lewis Reporters: Dan Whitworth and Sandra Hardial Researcher: Jo Krasner Editor: Sarah Rogers

Do you get as much as you give when it comes to your job?

We've had some important jobs numbers this week - with official data showing there are more vacancies than there were before covid but, the number is falling, while unemployment is rising. But alongside that, wages are going up too - by around 6%.

In this episode, we ask if you’re getting enough value out of your employer. We hear from listeners on how they asked their bosses for a pay rise, how they dealt with back pay and how they're making use of employee perks.

Felicity Hannah is joined by Amanda Arrowsmith, People and Transformation Director for the CIPD, the professional body for HR and people development, and James Reed, Chairman and CEO at Reed Recruitment.

Presenter: Felicity Hannah Producer: Amber Mehmood Editor: Sarah Rogers

The Pension Dashboard is intended to provide an online service to millions of people who have paid into a pension at work by showing all their pots and their value in one place. But the National Audit Office this week revealed a 'digital skills' shortage is behind delays, providers now have until October 2026 to connect to it. The costs of the dashboard are also up by almost a quarter to £279 million.

Some people hoping to sell their leasehold homes are being charged large amounts by their freeholder to fill out a simple form which helps the sale to go through smoothly. We hear from 'Harry' who was just days away from exchanging contracts on his two bed flat in London when his sale collapsed because his freeholder wouldn't sign an LPE1 form unless Harry paid more than £20,000. The forms contain information such as ground rent and service charges and rules on pets. Also in the programme we answer listener questions about how to protect your money when banks merge, and applications open on the 12th of May for the next round of government funded childcare. Working parents in England with children aged nine months to under two years can apply for 15 hours of subsidised childcare starting from September. Parents have been encouraged by the Department for Education to act as soon as possible to secure their place.

Presenter: Paul Lewis Reporters: Dan Whitworth and Jo Krasner Researcher: Sandra Hardial Editor: Sarah Rogers

This episode was first broadcast on Saturday the 11th of May.

This week marks two years since the historic reform in family law, known as the 'no fault divorce', was introduced. It was aimed at reducing conflict during separations and meant that couples could divorce without the need to apportion blame for the breakdown of their marriage. This change led to a surge in new applications at the time.

Divorce itself hits the bank balance with annual incomes falling by an average of £9,700 in the year after separation, according to Legal & General. From living together to sharing bills, sharing debts and sharing accounts, the financial implications can be significant.

In this Money Box episode we're looking at how to separate your finances after a split, and if you are breaking up, at what point should you make up a financial plan?

Felicity Hannah is joined by Gary Rycroft, Senior Partner at Joseph A Jones, and Sarah Coles, Head of Personal Finance at Hargreaves Lansdown.

Presenter: Felicity Hannah Producer: Amber Mehmood Editor: Sarah Rogers

(This episode was first broadcast on the 8th May 2024).

Digitally excluded. An elderly couple have their accounts frozen because their documents were out of date - despite having being customers for their bank for nearly two decades. We hear from Tom and Marian Doughty who say they were left with weeks of sleepless nights.

Can you boost your state pension by filling old gaps in your national insurance record? A new online calculator from the Department for Work and Pensions and HMRC aims to answer that. The Treasury says the new service will bring “peace of mind” to people planning for their retirement and could help “thousands” of pensioners.

Royal Mail has suspended the £5 penalty it charged people for letters sent with a new barcoded stamp which its machines had identified as fake.

And what happens to your home when you break up with someone? Should you make a financial plan when the relationship is going well, in case it doesn't in the future? Presenter: Paul Lewis Reporter: Dan Whitworth and Jo Krasner Researcher: Sandra Hardial Studio producer: Sarah Rogers Editor: Neil Morrow

(This episode was first broadcast on the 4th of May, 2024).

Unpaid carers spend at least 35 hours a week looking after someone close to them. That someone may have an illness, a disability, a mental health problem or even an addiction, but what matters is that they cannot cope without that care.

There are almost 6 million unpaid carers in the UK with 40% living in poverty according to charity Carers UK.

This week we have a special audio diary from one carer trying to hold down a job around those care commitments, we will also hear from those who have given up work to care full time.

The Department for Work and Pensions told us; 'We recognise the importance of carers, who play a vital role in our communities. We have increased Carer’s Allowance by almost £1,500 since 2010, with those on low incomes potentially eligible for an extra £2,400 a year.'

So if you're unsure about the rules around carers allowance, assessments and where you can get help and support, Felicity Hannah is joined by Emily Holzhausen, Director of Policy and Public Affairs at Carers UK and Caroline Abrahams, Head of Charity at Age UK,

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Sara Wadeson

This episode was first broadcast on the 1st May 2024.

A senior MP has told Money Box that the government must take urgent action to stop carers working up thousands of pounds of debt after unwittingly receiving overpayments of Carer's Allowance. Unpaid carers, who look after a loved one full time, are entitled to nearly £82 per week in Carer's Allowance. On top of that they can earn up to £151 take home pay. But stray above that earnings limit, even by just a few pence, and they lose the full allowance. The Department for Work and Pensions is alerted on a month by month basis when this happens, but in some cases carers were not told of their mistake for years. Labour MP Stephen Timms, Chair of the Work and Pensions Select Committee says it should never have taken so long for carers to be notified. The UK's biggest credit card provider, Barclaycard, is cutting minimum payments on its card to 1% from July. It is not the only credit card provider to allow 1% minimum payments, and Barclaycard says it's made the changes to increase flexibility for customers. We look at what it means in practice for customers, in terms of how much more you'll ultimately pay in interest and how long it'll take to pay off the debt. And we return to the subject of ISAs - Individual Savings Accounts. New changes this month should mean that customers can open multiple ISAs of the same type in the same tax year, and make partial transfers of funds between them. Money Box has learnt that many of the biggest ISA providers in the UK are not yet offering customers these new freedoms, why?

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Studio Producer: Craig Henderson Editor: Beatrice Pickup

(first broadcast on Saturday 27th April 2024)

Around 10 million people across the UK live in a leasehold property. That means they viewed the house or flat, bought it, may be paying off a mortgage to eventually own it outright.

However, they are actually tenants of whoever owns the freehold. What they have bought is the right to live in the property for a given amount of time. Sometimes that's for the best part of a thousand years - sometimes it's for much less.

In this episode we hear from leaseholders on what some of the issues are, including ground rent and service charges and what can be done about them. We'll also hear from a charity which relies on leasehold revenues.

It's a system that even ministers have described as feudal - behind the scenes, work continues on the Leasehold and Freehold Reform Bill, which is being examined by members of the House of Lords this week. The Department for Levelling up, Housing and Communities say; “It is not fair that many leaseholders face unregulated ground rents for no guaranteed service in return."

The Residential Freehold Association told us; “The Government’s own report into leaseholder perspectives highlighted that the vast majority of leaseholders are content with the leasehold system."

To answer your comments and questions, Felicity Hannah is joined by Matt Lewis, a Consultant Solicitor at Commonhold and Leasehold Experts Limited and Martin Boyd, chair of the government funded Leasehold Advisory Service and also chair of the Leasehold Knowledge Partnership, which supports and campaigns on behalf of leaseholders.

Presenter: Felicity Hannah Producer: Sarah Rogers/Amber Mehmood Editor: Beatrice Pickup

This episode was first broadcast on the 24th of April 2024

New regulations aim to ensure that victims of fraud are treated fairly, no matter who they trust with their money. The financial watchdog, the Payment Systems Regulator, says many firms are not doing enough to refund victims of authorised push payment fraud. Currently the majority of high street banks are signed up to a voluntary charter that makes banks liable for customer losses. However many people hold accounts with firms known as Electronic Money Institutions, or EMIs. Such firms are regulated by the Financial Conduct Authority but do not have a banking licence. The new rules from the Payment Systems Regulator will be mandatory for both banks and EMIs. When they come into force in October they should cover nearly all payments made by individuals in the UK except international ones and those involving cryptocurrency. We hear from Money Box listener Carol, who had to spend a year fighting to get the money stolen from her refunded. New changes to the way ISAs, Individual Savings Accounts, simpler come in this month. Officially they should mean that savers now have the option to open more than one cash or stocks & shares ISA in the same year. We look at whether providers will be allowing customers to take advantage. And how do you pay for your car insurance? A new report from the consumer organisation Which? found that it can cost much more if you opt for monthly payments. A survey of 39 car insurance providers found an average APR of over 23% was charged for monthly payments, and the highest APR found was over 39%.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Beatrice Pickup

(first broadcast Saturday 20th April 2024)

This week car insurance bosses, appeared in front of MP's as part of an investigation into the cost of premiums.

They're continuing to rise and according to price comparison site Compare the Market are up 46% over the last year, making the typical payment for comprehensive insurance £892 a year.

Consumer group Which? say some insurers are charging 'eye-watering' APR rates on those spreading the cost over the course of 12 months.

So, we put your questions and comments to the Association of British Insurers who tell us it's been a difficult year for the industry.

But it's not just insurance, we're also looking at the cost of fuel, maintenance and of course alternatives to running a car altogether.

To answer your questions and comments Felicity Hannah is joined by Rachel Burgess the editor of magazine Auto car and Stuart Masson from online publication, The Car Expert.

Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle

This episode was first broadcast on Wed 17th April 2024

Tens of thousands of people who juggle caring for a loved one and having a job may be forced to cut the hours they work, according to the charity Carers UK. In April the National Living Wage was increased to £11.44, but the earnings limit for the Carer's Allowance did not go up by the same amount. The result is that some carers will be limited to working just over 13 hours a week, anything above that and they'll lose the entire benefit. Some carers have also faced demands to repay thousands of pounds that they've mistakenly received in over-payments over multiple years. You've been contacting Money Box about rising car insurance costs. The Association of British Insurers says increases are largely down to above inflation increases to the cost of repairs, thefts and replacement cars. We look at how much premiums have risen by and what, if anything, you can do about it. And employers - take note - new changes to employment law in England, Scotland and Wales this month will impact policies on flexible working, redundancy and paternity pay and leave amongst others. We'll speak to an employment lawyer about what these changes will mean in practice for both employees and employers. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Dan Whitworth

(first broadcast Saturday 13th April 2024)

Data from the Financial Conduct Authority suggests fewer of us are struggling to pay our bills compared to last year, but the numbers are still high.

The watchdog says more than 7 million people were finding it tough to pay bills and make repayments on borrowing at the start of the year, down from almost 11 million last year. However, despite the drop that's still far higher than before the cost of living pressures really started to bite.

Price rises are slowing and energy bills have come down - so this could be a great moment to finally beat your bills back down and build a brilliant budget.

In this episode we look at how to save money on your current repayments, budgeting, recovering from debt and hear from a super saver.

Felicity Hannah is joined by consumer finance expert Martyn James and Jay Lowe, Head of Money Advice at Citizens Advice Staffordshire North and Stoke On Trent to answer your comments and questions.

Presenter: Felicity Hannah Producer: Sarah Rogers Reporter: Neil Morrow Editor: Jess Quayle

This episode was first broadcast on the 10th April 2023.

National Insurance - a tax millions of working age people pay on their wages - is being cut this weekend, for the second time this year. The main rate of National Insurance has now fallen by a third - from 12% last year to just 8%. The Treasury says combined with above-inflation increases to personal tax thresholds since 2010, this will save the average earner over £1,500 compared to what they would otherwise have paid. What difference will it make to your pay?

The debt charity StepChange has told Money Box a third of people they helped last year were behind on their Council Tax payments with an average debt of more than £1,700. What can you do if you're struggling to pay?

Plus, changes to Child Benefit mean it will become available to thousands more families from this weekend - how will that work?

Presenter: Paul Lewis Reporters: Sarah Rogers and Eimear Devlin Researchers: Sandra Hardial and Jo Krasner Producer: Craig Henderson Editor: Jess Quayle

(First broadcast 12pm Saturday 6th April 2024)

April is a big month for our finances, some bills go up and one or two even come down.

A big relief for many households will be the that energy prices are dropping, but one bill that is still going up is rent.

UK rent prices rose 9% in the 12 months to February.

Research shared exclusively with Money Box Live has revealed you're more likely to be in your overdraft if you're a renter compared to people with mortgages. You're also less likely to have savings to fall back on in an emergency.

Meanwhile government plans to scrap no fault evictions for tenants in England have been delayed. Neither tenants nor landlords are happy with the current position.

Felicity Hannah is joined by Sarah Pennells, Consumer Finance specialist at Royal London, Dan Wilson Craw, Deputy Director at Generation Rent UK, and Richard Donnell, director of research at the property platform Zoopla.

Presenter: Felicity Hannah Producer: Neil Morrow and Sarah Rogers Reporter: Eimear Devlin Editor: Jess Quayle

(This episode was first broadcast on the 3rd April 2024)

April brings many changes for our money, and this programme has all you need to know.

From Monday 1st, there will be higher pay for people on the various minimum wages. For the first time 21 and 22 year olds join people aged 23 and over in getting what's called the National Living Wage. It's going up to £11.44 an hour, a near 10% rise. 18 to 20 year olds get a bigger boost with minimum wage up nearly 15% to £8.60 an hour, while 16 and 17 year olds and those on apprenticeships get the largest increase of more than 21%, taking their minimum hourly pay to £6.40.

On the same day, the Energy Price Cap set by the regulator Ofgem will fall reducing the typical annual bill in England, Scotland, and Wales by 12% to £1,690 per year. That is the lowest it has been for two years. So will it be worth switching suppliers for a new fixed deal?

It's 25 years since the introduction of tax-free ISAs. You have just a few days to make use of this year's allowance and there are some big changes next tax year. we’ve got all you need to know.

Plus, what’s changing next week for childcare, why some people need to do a meter reading, and how to save money on stamps.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Jess Quayle

(First broadcast 12pm Saturday 30th March 2024)

More than half of adults don't have a Will according to new research from insurance company Canada Life. The main reason people say they haven't sorted one is that they don't think they have enough money to leave behind.

So what types of Will are there and what do they mean? We'll be hearing from one man who says he was disinherited over changes to a Mirror Will. We also speak to a mother concerned about digital assets following the death of her son.

Plus, what happens if you don't have a Will at all, where will your estate go?

Felicity Hannah is joined by Nina Sperring, Partner at Price, Slater, Gawne solicitors and is a member of STEP, the Society of Trust and Estate Practitioners which specialises in estates and Wills and Jade Gani, Chief Executive of Circe Law and a Director of The Association of Lifetime Lawyers.

Presenter: Felicity Hannah Producer: Sarah Rogers Reporter: Neil Morrow Editor: Jess Quayle

(This episode was first broadcast at 3pm Wednesday March 27th 2024)

This week marks 10 years since a landmark shift in the way we could all use our pensions. Back in the Spring of 2014 the then Chancellor George Osborne announced plans for new freedoms, allowing people over the age of 55 to take 25 per cent of their pension tax-free and use the rest as they wished. What impact did that have?

Hundreds of survivors of economic and physical domestic abuse have been helped by a new scheme set up by one of the UK's biggest banks. TSB's "Flee Fund" was launched just over a year ago to offer financial help to people trying to escape abusive partners. Dan Whitworth reports from Preston.

There was a rare U-turn from HMRC this week. On Tuesday it announced it was planning to close its self-assessment phone helpline for six months of every year. The tax authority said it wanted people to use a chatbot and access its online services instead. Then, just over 24 hours later, HMRC changed its mind and halted those plans. It says its "listened to the feedback and is halting the helpline changes as it recognises more needs to be done to ensure all taxpayers’ needs are met, whilst also encouraging them to transition to online services.” What does that mean?

Presenter: Felicity Hannah Reporters: Dan Whitworth and Jo Krasner Researchers: Luke Smithurst, Eimear Devlin and Sandra Hardial.

(First broadcast 12pm Saturday 23rd March 2024)

Mortgage customers face rising rates, vanishing deals and latest figures have shown more people are struggling to keep up with their repayments.

Mortgage arrears, hit a seven-year high in the final quarter of 2023. So what can you do if that's you?

Felicity Hannah is joined by Charlotte Harrison of Skipton Building Society, Sally Mitchell from the Mortgage Mum, and Richard Lane from the debt charity Step Change - to discuss what's going on in the mortgage market and what you need to know.

Presenter: Felicity Hannah Reporter: Dan Whitworth Producer: Neil Morrow Editor: Jess Quayle

(First broadcast 3pm Wednesday 20th March, 2024)

The number of people falling victim to fraud involving cryptocurrency has more than doubled between 2020 and 2023 according to Action Fraud. The value of such fraud has also increased. Our reporter Dan Whitworth has met one such victim, an 86 year old in South Wales who lost over £70,000. Following a Money Box investigation she's now had her lost life savings refunded. We've been reporting on difficulties people are having moving from working tax credits to Universal Credit. We hear from a listener who runs an annual skinny dipping event to raise money for charity, she's been told by her work coach that all her fundraising will be considered personal income for the purposes of Universal Credit. In a week that some lenders increase interest rates, figures from the Bank of England show an increase in arrears on mortgage accounts. We hear how people are coping with their mortgage costs and what you can do if you're struggling to pay them.

Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Beatrice Pickup

(First broadcast Saturday 16th March 2024)

New arrangements for childcare payments come into force in April in England. How will the new arrangements affect parents? Are they going to be better or worse off?

The Chancellor Jeremy Hunt announced extended support for parents of pre-school children in 2023. But many parents say the payments are still too low or that there aren’t enough places available.

Felicity Hannah is joined by Ellen Broome of the children's charity Coram, and Jonathan Broadbery, Director of Policy at the National Day Nurseries Association.

Presenter: Felicity Hannah Producers: Will Harris and Neil Morrow Editor: Beatrice Pickup

How do you recognise and bring an end to financial abuse? Maybe you’ve spotted that a relative is no longer eating properly, heating their home, or that money and jewellery has gone missing.

Or perhaps somebody close to you is taking money, trying to take control of your bank account or even suggesting you should change your will.

How do you tackle such difficult personal issues and suspicions?

Paul Lewis and guest will be here to answer your questions about protecting yourself or a loved one from financial abuse on Wednesday’s Money Box Live. Joining Paul will be:

Veronica Grey, Elder Abuse Charity, Hourglass Gary Rycroft, Solicitor & Partner, Joseph A Jones & Co Sandra McDonald, former Public Guardian for Scotland

E-mail your experiences and questions about financial abuse to moneybox@bbc.co.uk

Presenter: Paul Lewis Producer: Diane Richardson Editor: Emma Rippon

Fraudsters and scammers are always finding new ways to part you from your money, pressurising you to make a hasty decision or tricking you into sharing personal information.

Fake investment firms took around £78m from UK consumers last year according to fraud reporting centre Action Fraud and now warnings are being given about Covid-19 vaccine scams.

On Wednesday's programme Adam Shaw and guests will look at how to spot financial fraud and what to do if you've been taken in by these convincing criminals.

We'd love to hear your questions and experience so e-mail moneybox@bbc.co.uk now.

Presenter: Adam Shaw Producer: Diane Richardson Editor: Rosamund Jones

The Chancellor, Rishi Sunak, is being taken to court by mothers who claim the self-employed income support scheme discriminates against them. That's because they took maternity leave during the period their profits were assessed. The government currently calculates how much a self-employed person should receive in their grant, which covers lost profits during the pandemic, by looking at a three year average. And the maternity discrimination charity, Pregnant then Screwed, claims this disadvantages mothers whose average profits were hit because of time taken out from work. Paul Lewis talks to one of the mothers affected and speaks to Anna Dews from solicitors Leigh Day.

A record one billion pounds will be spent next year on compensating customers of financial miss-selling by firms that have gone out of business, according to a forecast in The Financial Services Compensation Scheme Plan and Budget for 2021/22. The cost is more than a third higher than was paid out this year and that was over a third higher than last year’s total. It has just about doubled over three years. What's going on? Paul Lewis talks to FSCS Chief Executive, Caroline Rainbird.

Nearly two months after Money Box first reported that the DWP was wrongly telling thousands of people that they owed it hundreds of pounds, Money Box continues to hear from listeners who say it is still going on. The Government told Money Box before Christmas that it had sorted the problem out. But Dan Whitworth talks to one woman who lost £1400 in December.

The self assessment tax deadline has been extended to 28 February, so if you file after the original deadline of 31 January , the £100 penalty can be avoided. But the tax does still needs to be paid by the end of this month, not February. Confused? Don't worry because Heather Self, tax partner at Blick Rothenberg explains all.

Presenter: Paul Lewis Producer: Ben Carter Reporter: Dan Whitworth Researchers: Darin Graham and Sowda Ali Editor: Rosamund Jones

Stay at home is the current advice but travel companies are reporting a surge in holiday bookings from those hoping for adventure later this year.

Others may have rebooked a trip which was cancelled last summer but be uncertain about whether they can or should go. What happens if your trip is cancelled again and what should you consider if you need or hope to travel safely when restrictions ease?

On Wednesday’s programme Adam Shaw and guests will answer your questions about travel rules, rights and refunds. e-mail moneybox@bbc.co.uk now.

On the panel are:

Rory Boland, Travel Editor, Which? Jill Starley-Grainger, Editor, JetsetJourneys

Presenter: Adam Shaw Producer: Diane Richardson Editor: Rosamund Jones

Tens of thousands of students are being denied access to student funding despite a Government pledge in 2013 to change things. The delay to an 'alternative' student finance scheme would enable thousands of Muslim students to fund their university education every year.

A damning report into how the Financial Conduct Authority has acted on pensions transfers. Many who've taken bad advice may have no recourse to compensation.

Money Box has learnt that since the pandemic started last year thousands of people have been refused Universal Credit because they have over £16k in savings. We hear from someone who claims this rule has put her home deposit back by 10 years.

In the podcast we are joined by Martin Lewis with an update on the fourth slice of the Self Employment Income Support Scheme.

Presenter: Paul Lewis Producer/reporter: Alex Lewis Producers: Darin Graham and Ben Carter Editor: Rosamund Jones

What could the new plans for leasehold reform mean for you? Housing Secretary Robert Jenrick has announced what he calls the biggest reforms to English property law for 40 years, making it easier and cheaper for leaseholders to buy their freehold or extend their lease and introducing Commonhold tenure.

On Wednesday's programme Felicity Hannah and guests take a look at the new proposals and ask how the system works in Scotland, where leaseholds were abolished in 2004. On the panel:

Alan Cook, Partner, Pinsent Masons, Glasgow Sebastian O’Kelly, CEO, Leasehold Knowledge Partnership Dona Awano, Solicitor, Commonhold and Leasehold Experts Limited

We'd love to hear your questions and experiences so e-mail moneybox@bbc.co.uk now to join the conversation.

Presenter: Felicity Hannah Producer: Diane Richardson Editor: Rosamund Jones

If there is a hundred pounds or more credit on your electricity or gas account you can get it back. We tell you how to do it and explain what the situation is if the firm has gone bust.

Simon York is the man in charge of tackling fraud at Her Majesty’s Revenues & Customs. We find out how much of the furlough grants have been lost to criminals.

What happens to drivers whose car is parked on the street but can’t afford to get it taxed or MOT’d?

And the man who asked his insurer a question and the answer cost him £350.

Presenter: Paul Lewis Reporter: Ben Carter Researcher: Sowda Ali Producer: Alex Lewis Editor: Rosamund Jones

Bitcoin values again capture the headlines, some central banks are developing their own digital currencies and PayPal and Facebook are entering the market.

Digital currencies are evolving rapidly but what do you need to know before you consider buying, storing or selling cryptocurrencies?

On Wednesday’s Money Box Live, Louise Cooper and guests discuss the development and the risks of digital currencies and we'd love to hear your stories too. e-mail moneybox@bbc.co.uk now with your questions and experiences.

On the panel:

Marcus Hughes, Coinbase UK and Europe General Manager Olinga Taeed, Visiting Professor in Blockchain, Birmingham City Business School

Presenter: Louise Cooper Producer: Diane Richardson Editor: Emma Rippon

For the first time since 1974 the United Kingdom is not part of the European Union, so how will this affect your finances?

We look at the new Global Health Insurance card and explore why we might end up with better compensation for delayed flights.

We also discover why some banks are closing UK accounts held by people living in the EU... and some aren't. And ask what UK pensions and benefits will be paid in future to British emigrants living in EU countries?

Presenter: Paul Lewis Reporter: Ben Carter Producer: Alex Lewis Editor: Richard Vadon

How good are you with money? Are you a saver, a spender or a canny investor and where did you learn those skills - from family, school, or maybe you taught yourself through the university of life?

On Wednesday’s programme we want to find out what makes financial education work well, what do young people want to learn about money and how can we help them to achieve their financial goals?

To share your ideas and experiences with Felicity Hannah and guests e-mail moneybox@bbc.co.uk now.

On the panel:

Dr Elizabeth Kilbey, Consultant Clinical Psychologist. Rebekah Kelly, Head of Education - School Age, MyBnk Stephanie Fitzgerald, Head of Young People Programmes, The Money Charity

We also hear from Emma Muckalt, joint winner of Interactive Investor's Personal Finance Teacher of the Year 2020 (Primary School).

Presenter: Felicity Hannah Producer: Diane Richardson Editor: Emma Rippon

2020 has been a tumultuous year, full of the unexpected, so what can we anticipate for our finances over the years to come?

In 1998 futurologist Graeme Leach wrote a report for Barclays called ’2020 Vision’, designed to look beyond the impending millennium to life in the next 20 years. It wanted to stimulate thinking and discussion on how the future will look.

Join Felicity Hannah to discover how Graeme’s predictions for 2020 have weathered and discuss with three listeners what their hopes and aspirations are for the next 20 years, what have been their successes and failures from the last 20, and what lessons can be learnt.

Presenter: Felicity Hannah Producer: Alex Lewis Editor: Emma Rippon

It’s been a tough year for charities since the global pandemic struck but many of you have come up with innovative ways to raise money for the causes you love. The closure of charity shops and the cancellation of events has greatly reduced income and many charities are also experiencing rising demands, so finding new ways to generate income has been vital.

On Wednesday’s Money Box Live Louise Cooper and guests will look at charity finances and fundraising in 2020. Joining Louise are:

Caron Bradshaw, Charity Finance Group Daniel Fluskey, Institute of Fundraising Robin Osterley, Charity Retail Association

We’d love to hear your ideas and experiences so e-mail moneybox@bbc.co.uk now to join in with the conversation.

Presenter: Louise Cooper Producer: Diane Richardson Editor: Emma Rippon

A damning report by Dame Elizabeth Gloster finds that the financial regulator failed nearly 12,000 people who lost up to £237 million after an investment scheme collapsed. How have those who lost money reacted to her findings?

A search through 390,000 online adverts for rented homes reveals that on two websites more than 80% discriminate against people on benefits.

And concerns from the team dedicated to chasing, catching and prosecuting illegal loan sharks about the rise of people being targeted via social media.

Presenter: Paul Lewis Reporters: Ben Carter and Maryam Ahmed Producer: Darin Graham Series Producer: Alex Lewis Editor: Emma Rippon

Exclusive figures from the Financial Ombudsman Service show a big increase in the number of complaints about banks in relation to fraud and scams. The stats show the FOS upholds 32% of complaints on average – but when it comes to fraud and scam cases that number nearly doubles to 58%. What does the FOS think about recent reports in the press that suggests banks are trying to get out of their voluntary code to refund victims of fraud? We hear from one case study who had £13,200 stolen 18 months ago and was refused a refund, until Money Box got involved. Paul talks to Debbie Enever from the Financial Ombudsman Service

In an exclusive interview Paul speaks to Alex Marsh, the UK boss of the biggest player in the Buy Now Pay Later market. The FCA is currently working on its review into BNPL as the industry braces itself for the prospect of regulation

More listeners have been contacting Money Box to tell us they are being pursued for debts of over £1000 by the Department for Work and Pensions. It is trying to recover a payment they have never had from a benefit they are not claiming. We hear from some of those affected.

Five major house builders are changing the way they sell new leasehold flats. Sebastian Kelly from the Leasehold Knowledge Partnership explains all.

Producers: Ben Carter and Darin Graham Reporter: Dan Whitworth Editor: Emma Rippon

If you’re priced out of the housing market, could shared ownership help you onto the property ladder? Offered by housing associations and private developers, these schemes allow you to buy a share in a property while paying rent for the portion that you do not own.

Paul Lewis and guests answer your questions about the pros and cons of shared ownership. How does it work and what are the costs, responsibilities and restrictions?

E-mail your questions, thoughts and experiences now to moneybox@bbc.co.uk

On the panel will be:

Kelly McCabe, Managing Director, TMP The Mortgage People Amy Nettleton, Chair, Shared Ownership Steering Group Giles Peaker, Housing Partner, Anthony Gold Solicitors

Presenter: Paul Lewis Producer: Diane Richardson Editor: Emma Rippon

We've been hearing from listeners who’ve been contacted by Department for Work and Pensions demanding repayment of Universal Credit advances that the DWP says they’ve received. The trouble is, they’ve never even applied for Universal Credit, let alone had an advance. The DWP are also contacting these fraud victims employers to deduct the money owed from their salary before investigations are completed.

Two dozen people are facing the threat of redundancy because the small business they work for is being forced to shut down because it can’t get insurance. How is this possible and why isn’t the insurance market working like it should? Solicitor Merlin Batchelor talks us through his problem and Felicity talks to Martin McTague from the Federation of Small Businesses which is calling for the insurance industry and policy makers to investigate what’s going on.

Savers at the UK’s government backed bank, National Savings and Investments, are struggling to withdraw their funds after the firm slashed its interest rate to next to nothing. Jill Waters, NS&I’s retail director joins us to explain what’s going on.

Presenter: Felicity Hannah Reporter: Dan Whitworth Producers: Ben Carter and Darin Graham Editor: Emma Rippon

Is taking a break from regular payments on your mortgage, credit card or a loan for example a good way to help you through financial difficulties?

Charmaine Cozier asks what you should consider before deferring regular payments and whether there are alternatives or long term consequences for your money.

We'd love to hear your questions, experiences and views so please e-mail moneybox@bbc.co.uk now.

On the panel are:

Sam Nurse, Money Advice Hub. Your Debt Doctor, Ripon Ray. James Jones, Experian.

Presenter: Charmaine Cozier Producer: Diane Richardson Editor: Emma Rippon

Money Box has found evidence of fraud in the Direct Debit system. We hear how Ursula, pictured with her son Phil, was repeatedly targeted. But how can you protect yourself against this fraud, once criminals use stolen personal details to drain your account? We get insight from Lisa Forte of Red Goat Cyber Security.

Also - young people and hard up families are being priced out of rented homes by landlords asking for six months rent in advance. We hear from Jennie Bibbings of Shelter Cymru and John Stewart from the National Residential Landlords Association.

And a breakthrough for some parents of children with learning disabilities who haven't been able to access their child's savings once they reach 18. Two child trust fund providers, OneFamily and BMO Finance, are defying government guidance and giving parents control of the money owed to their child. Normally parents have to go through a long, expensive process which may cost more than the total invested for their child in the fund. We hear the latest on this good news for some families, but also look at the plight of the many more still stuck with the old system, as their providers hang on for new guidance from the government.

Plus in the Money Box Podcast Extra – the horrific case of a student in Nottingham who was assaulted and robbed – but struggled to be set free from his housing contract to recuperate at home. We hear what students can do if they feel they have to withdraw from their student accommodation contract. You can find details of the National Code for student housing and complaints process here https://www.unipol.org.uk/the-code

Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Paul Waters Assistant Producer: Darin Graham Programme Coordinator: Janet Staples Editor: Emma Rippon

As the government lay out their financial plans for the next year, Paul Lewis and our panel discuss how they will affect your money. From pay and benefits to housing and tax, the Chancellor's announcements could have a big impact on personal finances.

Here to translate and dissect the Spending Review are our expert panel:

Anita Monteith - Technical Lead & Senior Policy Adviser, Institute of Chartered Accountants in England & Wales Helen Barnard - Director, Joseph Rowntree Foundation Heather Self - Partner, Blick Rothenberg

Email in your questions and comments on the Spending Review to moneybox@bbc.co.uk

Producer: Beth Sagar-Fenton Production Co-ordinator: Janet Staples Editor: Emma Rippon

Money Box investigates why parents who have to take unpaid leave to look after children who need to self isolate are unable to claim the £500 Test and Trace support payment.

The Government wants to expand shared ownership as part of a five year housing plan. But is part renting, part buying a leasehold flat really a staircase to heaven?

And why young people that the government has encouraged to pay into a Lifetime ISA account are unable to receive Universal Credit.

Presenter: Paul Lewis Producer: Alex Lewis Editor: Emma Rippon

The UK is seeing a record number of redundancies, with the latest figures showing more than 314,000 people lost their jobs over the summer. Charmaine Cozier and our panel are here to answer your questions on all things redundancy, from legal rights to budgeting while you're out of work.

Drop us a line with your thoughts or questions: moneybox@bbc.co.uk or tweet @moneybox

Panel: Susie Al-Qassab - Head of Employment Law, Hodge Jones & Allen Solicitors Bukiie Smart - Founder of Save Spend Invest

Presenter: Charmaine Cozier Producer: Beth Sagar-Fenton Editor: Emma Rippon

How do you make sure that people get advice before they cash in their pension funds early? The latest figures show that more than £2 billion was released early by nearly 350,000 people in the three months to September. Only about one in 30 of the people who take money out get guidance or advice about their decision. The Government’s answer is what it calls a ‘stronger nudge’ and on Monday it is expected to set out its plans to MPs as a new Pension Bill comes to its finale in the House of Commons. Chair of the Work and Pensions Committee, Stephen Timms MP, thinks a nudge is not enough.

The Warm Home Discount gives customers on low incomes or in particular family circumstances £140 off one winter energy bill but Money Box has heard that some people who should be eligible to receive the discount are being refused because the scheme is running out of money and suppliers are tightening up the conditions. We speak to the boss of Utilita.

How to talk to children about money and 19,000 investors want to know why they have not been able to get their hands on their missing millions for well over a year.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Darin Graham Producer: Alex Lewis Editor: Richard Vadon

In the early days of lockdown the government announced support for the self-employed who'd had their work impacted - or even destroyed - by the pandemic. But it's estimated that more than a million people have been unable to claim any financial help from the scheme, and they've been in touch with Money Box in droves.

Adam Shaw and our panel hear from some of those who've been stuck without government support and want to know why not, and ask what other help is out there for freelancers.

Panel: Andy Chambers - Director of Policy at IPSE, the Association of Independent Professionals and the Self-Employed Tom Waters - Senior Research Economist from the Institute For Fiscal Studies Caroline Miskin - Technical Manager from the Institute of Chartered Accountants in England and Wales

Producer: Beth Sagar-Fenton Editor: Emma Rippon

A Money Box investigation has found that people across the UK are being refused home Covid tests because of their credit histories. The government uses a credit scoring database to verify the identity of those asking for the tests but that relies on people having a credit history big enough to leave a footprint.

The guides on how to commit scams (and get away with it) being sold online and in plain sight on social media platforms.

And the ins and outs of the new furlough as announced by the Chancellor on Thursday.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Kafui Okpattah Producer: Alex Lewis Editor: Richard Vadon

Felicity Hannah and our expert panel field questions on all things baby related - from parental leave and pay to saving for a baby, your legal rights, budgeting, dealing with unemployment and finding out what government help you can expect.

Our panel includes:

Laura Suter - Personal finance analyst at AJ Bell, and new parent

Nick Hill - Money Advice Service

Nyaradzo Nyakatawa - Legal advisor for charity Pregnant Then Screwed

Producer: Beth Sagar-Fenton Editor: Emma Rippon

As the government’s Coronavirus Job Retention Scheme wraps up, what are your redundancy rights? And what happens if you’re on a zero-hours contract?

Gym members are being pursued by debt collectors after they cancelled their direct debit for fees to gyms they couldn't go to because of the pandemic.

And why are banks refusing to open accounts for newly formed charities and community groups?

Presenter: Paul Lewis Researcher: Darin Graham Reporter: Kafui Okpattah Producer: Simon Maybin Editor: Richard Vadon

Starting a business is hard, but starting one during lockdown is harder. Louise Cooper and guests revisit young entrepreneurs who made their side hustle into their 9-5 during lockdown to see how they’re getting on. They also hear from some new businesses owners looking for some help and guidance about starting and sustaining a successful company.

Guests: Emma Jones, founder of Enterprise Nation Annabel Cork, founder of Make It Your Business

Producer: Beth Sagar-Fenton Editor: Emma Rippon

If you’ve got a story to share, do email us on moneybox@bbc.co.uk or you can Tweet us @moneybox

The numbers of people targeted by thieves on Instagram has sharply risen during lockdown and Action Fraud is warning Instagram users to be wary of fraudulent investment posts offering ‘get rich quick’ schemes. Criminals use the app to promote investment schemes, luring users with the promise of high returns. We speak to one man caught out.

As Tier 3 coronavirus restrictions expand, we look at the support in place for workers.

And it’s already estimated that nearly two million people who were not in financial difficulty before the pandemic are now struggling to pay all of their bills. Could a 'temporary' debt payment plan help them through the worst of the crisis?

Presenter: Paul Lewis Researcher: Darin Graham Reporter: Dan Whitworth Producer: Alex Lewis Editor: Richard Vadon

If you’re under 30 and struggling to be noticed by employers our panel are ready to help. Find out which industries are hiring, how to handle CV gaps and what to focus on when you get an interview.

Email questions and tips to: moneybox@bbc.co.uk or tweet us @moneybox

Panel: Lauren Mistry, Operations Director at Youth Employment UK John McCourt, Careers adviser with Skills Development Scotland Emlyn Evans, Adviser with Career Wales

Presenter: Charmaine Cozier Producer: Beth Sagar-Fenton Editor: Richard Vadon

Money Box has learnt that thousands of people with the right to work in the UK have not been able to access a National Insurance number. Without one they may not be able to work, open a high street bank account or claim benefits.

The Bank of England has written to lenders to find out whether they are ready for a zero or even a negative Bank Rate. How likely is it and what will that mean for our savings, mortgages, and other debts?

And the life insurance policy that wouldn’t pay out when a terminally ill man needed the help.

Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Alex Lewis Editor: Emma Rippon

Buying your first home has always been a challenge, but amid the madness of 2020 it could be harder than ever. Adam Shaw and a panel of guests answer calls from would-be first-time buyers, from the actor just starting to think about getting on the property ladder, to the social worker wondering whether shared ownership is the answer, and the dad who's seen his dream home slip away as lenders demand larger deposits.

If you've a question or a story to share, do email us on moneybox@bbc.co.uk or you can Tweet us @moneybox.

Producer: Beth Sagar-Fenton & Darin Graham Editor: Emma Rippon

People who let out property using Airbnb have been warned this week that the firm will send HMRC the details of their earnings going back to 2017. It may mean that some hosts will receive surprise tax bills.

Thousands of people who invested in a mini-bond sold by a firm called Wellesley face an impossible choice next week. They must decide if they want the company to go into administration and lose everything, or vote for what is called a Company Voluntary Arrangement and lose nearly everything.

When your vehicle is damaged and it is another driver’s fault it's pretty standard practice for their insurer, not yours, to sort out the repairs to your car but it has emerged that it can leave you without a right to complain or get redress when things go wrong. We speak to the MP calling for change.

Presenter: Paul Lewis Producer: Alex Lewis Editor: Emma Rippon

Renters could be at risk of losing their homes because of changes to the eviction ban that was brought in to protect tenants during the coronavirus pandemic. It's estimated that landlords have lost millions in rent since lockdown hit in March.

What financial support and help is available and what are the different rules for England, Scotland, Wales and Northern Ireland?

Louise Cooper is joined by Anny Cullum from Acorn Communities, Meera Chindooroy from the National Residential Landlords Association and Giles Peaker, a housing lawyer from Anthony Gold Solicitors.

We'd love to hear your questions about renting, tenancies and evictions. E-mail moneybox@bbc.co.uk or tweet @moneybox.

Presenter: Louise Cooper Producer: Darin Graham Editor: Emma Rippon

The costly experience of being unknowingly signed up to a phone competition service. We hear how one subscription cost a Money Box listener over £1,000 across 5 years.

A new Sharia compliant investment fund has been launched on the London Stock Exchange. How does it work?

Edinburgh - Scotland's wealthiest city - launches a plan to get rid of poverty by 2030.

And hints and tips for making difficult financial decisions.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Darin Graham Producer: Alex Lewis Editor: Emma Rippon

The Financial Conduct Authority (FCA) say that 6 million policy holders are paying too much for their insurance premiums and that radical reforms could save consumers £3.7bn over 10 years.

So how do you get the right policy at a fair price? Joining Paul Lewis to answer your questions and offer advice are:

Louise O'Shea, Confused.com Graeme Trudgill, British Insurance Brokers' Association (BIBA)

We'd love to hear your questions and ideas about personal insurance, e-mail moneybox@bbc.co.uk now and tweet @moneybox we'll include as many as we can in the programme.

Presenter: Paul Lewis Producer: Diane Richardson Editor: Emma Rippon

This week the Chancellor, Rishi Sunak, revealed new measures to help stop mass job cuts in these economically uncertain times. This latest plan - the Job Support Scheme - was spurred on by the ending of the Coronavirus Job Retention Scheme (or furlough). From November, if bosses bring back workers part time, the government will help top up their wages. But there are concerns that it does nothing to assist the millions who have already missed out on government help.

We also discuss whether it's worth buying a warranty on a second-hand car. One man spent £400 but was told it did not cover a £2000 repair.

As businesses struggle in the Covid-19 era are they exploiting young workers by getting them to do job trials but refusing to pay them?

And in the podcast the one subject that has dominated emails to moneybox@bbc.co.uk in recent months... how to get your money back for a cancelled flight, holiday, wedding, concert, football ticket, you name it. We reveal the answer.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Darin Graham Producer: Alex Lewis Editor: Emma Rippon

What financial support and guidance is available for serving and former members of the Armed Forces and their families? Joining presenter Charmaine Cozier to talk through some of the information, help and advice on offer are:

Forces MoneyPlan The Royal British Legion The Forces Pension Society SSAFA – the Armed Forces charity

If you’re a serving or former member of the Armed Forces we’d love to hear your money questions and experiences e-mail moneybox@bbc.co.uk or tweet @moneybox.

Presenter: Charmaine Cozier Producer: Diane Richardson Editor: Emma Rippon

Thousands of British people living in European countries have been told their UK bank accounts will be closed by the end of the year because of Brexit. Money Box has learnt that Lloyds Bank and Barclaycard have been writing to customers telling them to cut up their cards and pay off any outstanding overdrafts or debts in two months unless they can provide a UK address where they are resident.

Buy now, pay later - the slogan of easy credit for generations but now it's being offered routinely in shops and online whenever you buy anything. The regulator is launching a review.

A ban on evictions for residential tenants ends in England and Wales this weekend. We hear from tenants and landlords.

And - in the podcast - what to do if you've ever been charged to keep hold of an old email address when you've changed broadband provider to get your money back.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Darin Graham Producer: Alex Lewis Editor: Richard Vadon

Tuition fees, loans, student jobs and financial help, whatever’s on your mind we’d love to hear your questions, dilemmas and advice so e-mail moneybox@bbc.co.uk now.

Ready to guide you through university costs, student money and work will be:

Tom Allingham, Save the Student. Eden Cairnie, StudentJob. Judith McMeekin, Student Money Adviser, Ulster University. Kellie McAlonan, Student Money Adviser, University of the West of Scotland.

Presenter: Louise Cooper Producer: Diane Richardson Editor: Richard Vadon

With fewer jobs and rising unemployment among young people Money Box has seen worrying evidence that the illegal practice of not paying interns is growing.

Thousands of young people are locked out of their Government child trust funds even though they have reached 18.

And would you invest in a bond backed by your local council?

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Darin Graham Producer: Alex Lewis Editor: Emma Rippon

If you’ve replaced the buzz of the office with working at the kitchen table we’d love to hear how it's going. Have your work-life balance, your finances, career and productivity been affected? Does it make a difference to team working if you don't meet your colleagues face to face?

What responsibilities do employers and employees need to consider and is working from home the future, or are you desperate to get back to the office? What happens if you’re asked to return to your place of work but you’d like more flexibility?

Joining presenter Felicity Hannah to talk it over and discuss this changing world of work are:

Alison Loveday, Employment Partner, Kennedys Law Louise Goss, Founder and Editor, thehomeworker.com David D'Souza, The Chartered Institute of Personnel and Development

To join the debate e-mail moneybox@bbc.co.uk or tweet @moneybox now with your questions, views and ideas.

Presenter: Felicity Hannah Producer: Diane Richardson Editor: Emma Rippon

From this month, young people turning 18 can access money given them by the Government in a Child Trust Fund. All children born from September 2002 were given vouchers to invest, the idea being to provide children with some savings at the age of 18, to help with the costs of university or living alone for the first time. Initially £250 was put into the account and another £250 was added when he or she reached the age of seven. For lower-income families, the payment was £500. But it's estimated about a third of eligible young people and their families have no idea these funds exist. So how do you go about finding them?

The financial regulator is currently consulting on limiting the amount it has to pay out when it fails to operate effectively. Campaigners are concerned it is weakening the current consumer redress.

More than two and a half million people have successfully claimed almost £8 billion from the UK government’s Self Employment Income Support Scheme. The scheme was designed to help self employed people whose businesses had suffered because of the economic crisis caused by Covid 19.. We hear from one man who found someone else had claimed his self-employment Government grant - twice!

And in our podcast we get a leaseholders response to the news that four of the UK's largest housebuilders are now facing court action after "troubling evidence" was uncovered by the Competition and Markets Authority over the way they sold leaseholds.

Presenter: Paul Lewis Reporter: Dan Whitworth Researcher Darin Graham Producer: Alex Lewis Editor: Emma Rippon

Eavesdrop as a couple open up to a relationship counsellor about their personal finances and their feelings.

Money worries are known to put a big strain on relationships, and it can be hard to talk openly and honestly without tempers flaring or heads burying deep into the sand.

In this episode, we hear Hollie and Jay in conversation with Dee Holmes, a counsellor from the relationship charity Relate. Jay has been on furlough and is now working reduced hours, but he’s still keen to save what little he has spare for a place to live with Hollie. Hollie is also keen on that idea but can’t quite seem to stop dipping into her savings to buy clothes. Can they find common ground?

Presenter: Ruth Alexander Producer: Smita Patel

Eavesdrop as a couple open up to a relationship counsellor about their personal finances and their feelings.

Money worries are known to put a big strain on relationships, and it can be hard to talk openly and honestly without tempers flaring or heads burying deep into the sand.

In this episode, Maggie and Declan split their finances 50:50, but have significantly different living costs. Maggie spends generously on Declan and his children, but feels guilty if she spends anything on herself. They sit down with Dee Holmes, a counsellor from the relationship charity Relate, to explore why Maggie feels this anxiety, and what they both might be able to do to ease it.

Presenter: Ruth Alexander Producer: Smita Patel

Eavesdrop as a couple open up to a relationship counsellor about their personal finances and feelings. In this episode, cafe owners Poppy and Cliff return to the Money Clinic to talk to Dee Holmes, a counsellor with the relationship charity, Relate. Last summer, the Liverpool cafe owners spoke to Dee about how they could find a middle ground - Cliff’s ‘maverick’ attitude towards money was clashing with Poppy’s intense frugality. Since then, they’ve been forced to close their cafe due to Covid-19 and they want help managing the resulting financial and emotional fallout. Will they be able to get back on an even keel? Presenter: Ruth Alexander Producer: Smita Patel

Eavesdrop as a couple open up to a relationship counsellor about their personal finances and their feelings.

Money worries are known to put a big strain on relationships, and it can be hard to talk openly and honestly without tempers flaring or heads burying deep into the sand.

In this episode, newly-weds Eve and Nick have different ideas about how joined up their finances should be. They sit down with Dee Holmes, a counsellor from the relationship charity Relate, to explore their different attitudes to money, and how they were formed. Will this bring the couple and their finances closer together?

Presenter: Ruth Alexander Producer: Smita Patel

If your holiday plans are affected by coronavirus, what are your rights? Chaos caused by the pandemic has left travellers with many questions - about insurance, refunds and whether they can get away at all. Holidaying in a pandemic isn’t easy but sometimes cancelling isn't either. Our panel of travel experts is ready to answer your Covid-related questions. Email moneybox@bbc.co.uk or tweet @moneybox

Guests: Rory Boland, Editor of Which? Travel Jill Starley-Grainger, Travel blogger from JetSet Journeys

Presenter: Felicity Hannah Producer: Sally Abrahams Editor: Hugh Levinson