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| Version 1 | Version 2 |
|---|---|
| Bank charges: High stakes | Bank charges: High stakes |
| (19 minutes later) | |
| BBC Radio 4's Money Box Saturday, 27 June 2009 at 1204 BST On Radio 4 and Online href="/2/hi/programmes/moneybox/8122311.stm">27 June 2009 | |
| Banks have appealed to the House of Lords in an attempt to overturn an earlier ruling by lower courts which said that that their charges have to be fair. | Banks have appealed to the House of Lords in an attempt to overturn an earlier ruling by lower courts which said that that their charges have to be fair. |
| If the banks win, claimants are unlikely to get any of their money back. | If the banks win, claimants are unlikely to get any of their money back. |
| If the banks lose, the legal process will move into a key and final stage. | If the banks lose, the legal process will move into a key and final stage. |
| We speak to Marc Gander of the Consumer Action Group (CAG) and BBC personal finance reporter Ian Pollock. | We speak to Marc Gander of the Consumer Action Group (CAG) and BBC personal finance reporter Ian Pollock. |
| Further information: | Further information: |
| What next for bank overdraft fees? OFT vows to pursue bank charges Banks 'face deluge of litigation' Banks 'not Robin Hood in reverse' Crunch time for bank charges case External internet links | What next for bank overdraft fees? OFT vows to pursue bank charges Banks 'face deluge of litigation' Banks 'not Robin Hood in reverse' Crunch time for bank charges case External internet links |
| Negative equity blackspot | Negative equity blackspot |
| In 2009 the Council of Mortgage Lenders predicts 65,000 repossessions | In 2009 the Council of Mortgage Lenders predicts 65,000 repossessions |
| Could lenders be doing more to advise those of their mortgage customers who fear slipping into arrears? | Could lenders be doing more to advise those of their mortgage customers who fear slipping into arrears? |
| Citizens Advice says requests for mortgage arrears help is growing - in the East Midlands it is up 70% compared to last year. | Citizens Advice says requests for mortgage arrears help is growing - in the East Midlands it is up 70% compared to last year. |
| And it says more people on higher incomes are now seeking guidance. | And it says more people on higher incomes are now seeking guidance. |
| Money Box's Bob Howard has been to Northampton to hear one man's story. | Money Box's Bob Howard has been to Northampton to hear one man's story. |
| Further information: | Further information: |
| Repossession risk 'overestimated' UK repossessions up 50% in a year 'Don't ignore the threat of repossession' External internet links | Repossession risk 'overestimated' UK repossessions up 50% in a year 'Don't ignore the threat of repossession' External internet links |
| Barclaycard rates | Barclaycard rates |
| Barclaycard says customer feedback about the change is positive | Barclaycard says customer feedback about the change is positive |
| Barclaycard is cutting the minimum monthly repayment which some of its customers must make from 2.25% a month to just 1.5%. | Barclaycard is cutting the minimum monthly repayment which some of its customers must make from 2.25% a month to just 1.5%. |
| Barclaycard refused to say how many customers are being moved to the new rate, how they are being selected, or how long the lower rate will last. | Barclaycard refused to say how many customers are being moved to the new rate, how they are being selected, or how long the lower rate will last. |
| Martin Lewis, the founder of moneysavingexpert.com, tells us how this change will affect customers. | Martin Lewis, the founder of moneysavingexpert.com, tells us how this change will affect customers. |
| Further information: | Further information: |
| Barclaycard cuts 'low-risk' rates Credit card debt: Your views Credit cards to face restrictions External internet links | Barclaycard cuts 'low-risk' rates Credit card debt: Your views Credit cards to face restrictions External internet links |
| A 2007 FSA review said commission could lead to mis-selling | A 2007 FSA review said commission could lead to mis-selling |
| Financial advice | Financial advice |
| The financial advice sector is facing a huge shake-up with the publication of proposals on how to reform the way we are sold financial products. | The financial advice sector is facing a huge shake-up with the publication of proposals on how to reform the way we are sold financial products. |
| The suggestions, drawn up by the industry's regulator, the Financial Services Association (FSA), distinguish between those advisers or businesses which provide truly "independent" advice and those that provide "restricted" advice - selling products linked to a bank or particular firm. | The suggestions, drawn up by the industry's regulator, the Financial Services Association (FSA), distinguish between those advisers or businesses which provide truly "independent" advice and those that provide "restricted" advice - selling products linked to a bank or particular firm. |
| The FSA is also proposing an end to all commission based selling, replacing this with fees for advice. | The FSA is also proposing an end to all commission based selling, replacing this with fees for advice. |
| We get reactions to the proposals from Denis Armitt, an independent financial adviser from Stockport, and Jon Pain, the FSA's managing director of Retail Markets. | We get reactions to the proposals from Denis Armitt, an independent financial adviser from Stockport, and Jon Pain, the FSA's managing director of Retail Markets. |
| Further information: | Further information: |
| Where to get financial advice March 2008: Call for free money advice scheme June 2007: Advisers' commissions under fire External internet links | Where to get financial advice March 2008: Call for free money advice scheme June 2007: Advisers' commissions under fire External internet links |
| Benefit take-up encouraged | Benefit take-up encouraged |
| Angela Eagle wants to encourage take-up of pension credit | Angela Eagle wants to encourage take-up of pension credit |
| Up to £5.4bn worth of means-tested benefits are not being claimed by older people, according to government figures released this week. | Up to £5.4bn worth of means-tested benefits are not being claimed by older people, according to government figures released this week. |
| Age Concern and Help the Aged estimate that in total between two and three million pensioners did not claim council tax benefit and pension credit in 2007-2008. | Age Concern and Help the Aged estimate that in total between two and three million pensioners did not claim council tax benefit and pension credit in 2007-2008. |
| We find out more from Angela Eagle, the new Pensions Minister and Mervyn Kohler, special adviser to Age Concern and Help the Aged. | We find out more from Angela Eagle, the new Pensions Minister and Mervyn Kohler, special adviser to Age Concern and Help the Aged. |
| Further information: | Further information: |
| Your pensions questions answered Billions in benefits go unclaimed Wrong benefit payments continue Pensioners' lost millions External internet links | Your pensions questions answered Billions in benefits go unclaimed Wrong benefit payments continue Pensioners' lost millions External internet links |
| BBC Radio 4's Money Box was broadcast on Saturday, 27 June at 1204 BST. | BBC Radio 4's Money Box was broadcast on Saturday, 27 June at 1204 BST. |
| The programme will be repeated on Sunday, 28 June at 2102 BST. | The programme will be repeated on Sunday, 28 June at 2102 BST. |