Money Box

  • Autor: Vários
  • Narrador: Vários
  • Editor: Podcast
  • Duración: 320:24:51
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Sinopsis

The latest news from the world of personal finance plus advice for those trying to make the most of their money.

Episodios

  • 'For your protection'

    10/07/2021 Duración: 33min

    When banks stop you spending your own money. Barclays and Santander have banned payments to one of the largest cryptocurrency exchanges while TSB may soon stop payments to all exchanges.Why tens of thousands of people could be eligible for significant refunds after the HMRC lost what could prove to be a landmark case concerning the way it deals with child benefit paid to high earners. What will change when the Financial Conduct Authority takes over regulation of pre-paid funeral plans?Using your money to make a difference – the impact that green or eco-friendly pensions can have on combating climate change.And financial lessons for cub scouts, following the launch of their Money Skills Activity Badge. GUESTS: Philippa Hann - specialist financial services litigator at Clarke Willmott solicitors Stefanie Tremain- Director at Blick Rothenburg Sheldon Mills - Executive Director for Consumers, FCA Tony Burdon – CEO Make My Money Matter Jeannie Boyle - Chartered Financial Planner and executive director of EQ Inves

  • Young entrepreneurs

    07/07/2021 Duración: 27min

    What help and support is available to people with a business dream? How do you develop the skills you need to run your own business? We hear from some entrepreneurs about the experience of turning their ideas into reality.To share your experiences and any questions e-mail: moneybox@bbc.co.ukPresenter Louise Cooper is joined by an expert panel:• Lisa Wardlaw, College Delivery Manager, Young Enterprise Scotland • Julian Hall, founder, Ultra Education • Alison Edgar, The Entrepreneur's GodmotherPresenter: Louise Cooper Producer: Diane Richardson Production Co-ordinator: Janet Staples Editor: Alex Lewis

  • Google’s investment ad crackdown

    03/07/2021 Duración: 29min

    Google is cracking down on financial-scam adverts in the UK, but will it work? Campaigner Mark Taber tells us what needs to be done to stem the millions of pounds lost to bogus investment schemes each year. It was reported this week that the financial regulator has banned one of the biggest crypto currency exchanges from operating in the UK. Jannah Patchay, founder of Markets Evolution, and Jason Deane – a consultant for Luno, explain why those reports were wrong. Park Christmas Savings, one of the UK’s most popular savings clubs says it will review its refund policy following a Money Box investigation. And the push for Plain Numbers – why just a few small changes to the way financial information is displayed can dramatically increase customers’ understanding. Mike Ellicock explains the thinking behind his campaign. Presenter: Paul Lewis Reporter: Dan Whitworth Production Co-ordinator: Janet Staples Researchers: Stefania Okereke and Anita Langary Producer: Joe Kent Editor: Alex Lewis

  • Community Energy Projects

    30/06/2021 Duración: 35min

    Would you like to generate your electricity through a local, renewable energy project rather than buying it from a big supplier?In this episode, Adam Shaw and guests consider the costs and practicalities of setting up and running community-led energy projects, do such initiatives make financial and environmental sense? Joining Adam are:Jodie Giles, head of community and local energy at Regen Tanuja Pandit, director of Power Up North London Steve Shaw, the director of Power for PeopleIf you've a story or view to share we’d love to hear from you, e-mail moneybox@bbc.co.ukPresenter: Adam Shaw Producers: Diane Richardson and Paul Waters Editor: Alex Lewis

  • Left behind by the decline of cash

    26/06/2021 Duración: 24min

    Should the government force banks to guarantee everyone access to cash? Age UK warns that despite the rise of digital payments, millions of people still rely on cash and the charity says it should be seen as an essential service - like electricity, water, or the post. Barclays bank is to repay millions of pounds to customers miss-sold loans to pay for a timeshare scheme in Malta, but hundreds of others say they should be getting their money back too.The UK’s biggest insurance firm and a major housebuilder have agreed to refund customers who have overpaid for freeholds and ground rents. It’s a major breakthrough for some leaseholders but will the industry follow suit. And one listener tells us his story of emerging from the black hole of debt. If you've been affected by any of the issues in this programme, you can find a list of support organisations at bbc.co.uk/actionlineGUESTS: Joel Lewis - Policy Manager Age UK Sian Williams - Director of Policy at the anti-poverty charity Toynbee Hall, Sebastian O’Kelly

  • MBL: Covid weddings

    23/06/2021 Duración: 29min

    Arranging your wedding or civil partnership during Covid can be very tricky, especially as rules and restrictions change. But what are your rights if your plans are disrupted? Can you cancel and get a refund if your guest numbers are cut, you're told not to dance, or people - perhaps close family - are not able to attend because of changes to rules? Should you expect to be able to postpone without penalty? Can venues hang on to part of what you've paid up front? Is there any point in getting wedding insurance? Our panel of experts can advise: Pran Bhanot, litigation solicitor and wedding specialist at Meaby & Co. Jemma Cox, Lead Officer for Civil Law at the Chartered Trading Standards Institute. Wedding planner Jessie Westwood of Studio Sorores, who is also part of the #WhatAboutWeddings campaign.We also hear from Hamish Shephard of the BrideBook app and our listeners' experiences.Presenter: Felicity Hannah Producer: Paul Waters Production co-ordinator: Janet Staples Editor: Alex Lewis

  • The race to avoid stamp duty

    19/06/2021 Duración: 25min

    Thousands of people are struggling to complete the purchase of their new home before a big rise in Stamp Duty begins on the first of July in most of the UK.High street banks are told they are wrongly denying compensation to victims of fraud and they’ve been given a timetable to change their procedures. And grieving families could be paying hundreds of pounds too much for a funeral because firms do not display their prices clearly.Presenter: Paul Lewis Reporter: Dan Whitworth Production Co-ordinator: Janet Staples Researcher: Stefania Okereke Producer: Helen Grady Editor: Alex Lewis

  • MBL: Trading in stocks and shares

    16/06/2021 Duración: 27min

    Low interest rates on savings has made many people consider putting money built up during the pandemic into stocks and shares in the hope of higher returns. But what do you need to know BEFORE you make that first trade? We explore the risks, how to navigate the jargon and - most importantly - whether this type of investment is really for you.Do you have an experience you'd like to share? Email us: moneybox@bbc.co.uk.Expert panel: - Susannah Streeter, Senior investment and markets analyst, Hargreaves Lansdown - David Stevenson author of “Investing in shares for dummies” and Adventurous Investor column, Financial Times Presenter: Charmaine Cozier Producer: Rumella Dasgupta Production co-ordinator: Janet Staples Editor: Alex Lewis

  • Bitcoin or Britcoin?

    12/06/2021 Duración: 27min

    Bitcoin or Britcoin? The Bank of England has published the results of its consultation on creating a new central bank digital currency – and also the prospect of regulating other commercial digital currencies – so-called “safecoin”. We hear from the Bank’s deputy governor, Sir Jon Cunliffe and from cryptocurrency expert Kate Baucherel.Four years after the Grenfell Tower fire in which 72 people died, leaseholders living in tower blocks affected by the cladding crisis have started receiving and paying bills, sometimes for tens of thousands of pounds. The money is to pay for work to make the buildings safe. For homes in buildings under 18 metres high, which don’t qualify for a share of a £5 billion government fund, the bills can be huge. In February, Communities Secretary Robert Jenrick said there would be a loan scheme to help those people pay, and that it would be capped at £50 a month. But so far there’s no sign of the loans, nor much indication of when they might appear. We hear from a leaseholder facing pay

  • MBL: Hospitality staff shortage

    09/06/2021 Duración: 29min

    Pubs, bars, cafes and restaurants in England Wales, Northern Ireland and parts of Scotland are now open for indoor business. But there’s growing concern about the numbers of vacancies across the hospitality sector. According to trade body UK Hospitality there is a shortfall of almost 200,000 workers.If you run a hospitality business, how difficult are you finding it to get staff? Are you a worker who’s left the sector to look for employment elsewhere? Let us know your experience: moneybox@bbc.co.ukIn recent years the hospitality industry has seen a massive growth as more and more of our disposable income has been spent eating out. Could these staffing problems bring this trend to an abrupt end? With many hospitality businesses struggling during the pandemic - despite government support -staff have had to be laid off. Continuing lockdown uncertainty also hasn’t helped.Expert panel: Kate Nicholls - CEO at trade body UK Hospitality Gerwyn Davies - Senior Labour Market adviser at Chartered Institute of Personnel

  • DWP urged to rethink the two child Universal Credit cap

    05/06/2021 Duración: 25min

    Children’s Commissioner for Wales Professor Sally Holland explains why she, along with the Commissioners for Scotland and Northern Ireland, want the DWP to drop a Universal Credit entitlement rule introduced by the coalition government in 2017. It only provides support for a maximum of two children with a few specific exceptions. Money Box reporter Joice Etutu hears from some of the thousands of people who have received random cheques from HSBC Banking Group. Amounts vary from tens to thousands of pounds. They’re still also being sent out to the group’s M&S Bank, first direct and John Lewis Finance customers who had arrears on loans between 2010 and 2019. Many thought it was a scam, but it’s not. EU citizens who want to continue living in the UK are in danger of missing a crucial deadline which could see them lose access to benefits and the right to work. June the 30th is the last date to apply for the EU settlement scheme which allows people to retain their legal status post Brexit. However there’s

  • How to complain and get results

    02/06/2021 Duración: 28min

    What are you rights when making a complaint? How do you make sure you escalate your grievance to the right person? What difference can social media make in getting your grumble seen and sorted?Adam Shaw is joined by Martyn James from Resolver, a free, independent issue resolution service. and Alicia Alinia , Managing Director, Consumer Legal Services at the law firm, Slater & Gordon.Producer Smita Patel Editor Alex Lewis

  • Continuing problems applying for National Insurance Numbers

    29/05/2021 Duración: 25min

    A Money Box listener has been refused work by two employers because he was unable to provide his National Insurance Number despite the Department for Work and Pensions saying individuals can start work without one. Last year we reported that people coming to the UK with the right to work weren’t able to obtain a National Insurance Number because the government had stopped issuing them. People can now apply - but that process takes up to 16 weeks and trying to get work in the meantime can be tough. Paul Lewis talks to Jonathan Reynolds MP, Labour’s Shadow Secretary of State for Work and Pensions. National Savings & Investments apologises to more than 14,000 customers after it changed the terms and conditions on a savings product without telling them. We hear from Gary Rycroft, a partner at Joseph A Jones solicitors.The regulator clamps down on insurance firms who cut prices for new customers while quietly increasing them for loyal ones. Michael Sicsic, managing director of financial services consultancy Si

  • Apprenticeships

    29/05/2021 Duración: 27min

    Apprenticeships allow you to earn money as you study for qualifications and gain practical experience on the job.There's a wide range of careers and industries to choose from but a recent Ofsted report said that 10% of apprenticeships are inadequate, so how do you find a good quality scheme to help you develop the skills you need to succeed?On Wednesday's programme Adam Shaw speaks to apprentices and employers about their experiences and ambitions and we'd love to hear from you too.If you're interested in becoming an apprentice or you're an employer who'd like to hire apprentices e-mail moneybox@bbc.co.uk now.Presenter: Adam Shaw Producer: Diane Richardson Editor: Emma Rippon

  • MBL: Financing Electric Vehicles

    26/05/2021 Duración: 28min

    One in four of us is considering buying an electric car, according to the energy regulator Ofgem. So, what are the finances of going electric? They often cost more to buy but the claim is that they can be cheaper to run. Adam Shaw and guests discuss the cost of buying, insuring, charging an electric vehicle and the tax breaks you get if you buy or lease an electric car through a business?Adam is joined by Ginny Buckley, founder of electrifying.com, an electric car advice site & Hayley Jay, business specialist sales, from the car dealership Furrows. And we hear from listeners about their views on electric vehicles.Producer Smita Patel Editor Alex Lewis

  • FCA to force firms to treat customers better

    22/05/2021 Duración: 33min

    Financial firms are being told they will be forced to treat their customers better under plans by the regulator for a new “Consumer Duty”. It will set down a higher level of consumer protection that firms will have to follow. The consultation on the plans has just been published and the new rules should be in force by the middle of next year. Paul Lewis talks to Nisha Arora, Director of Consumer and Retail Policy at the Financial Conduct Authority.Money Box continues to get complaints from customers who have current accounts with the online firm Pockit. They tell us that the money in their accounts - often thousands of pounds - has been frozen, sometimes for months. Virraj Jatania, Pockit’s founder and Chief Executive, provides some answers.Every month millions of people in the UK use the social media platform TikTok. It specialises in short videos normally made by individuals on their mobile phone and edited to music. The videos cover everything from comedy to dance to money. But we hear about concerns that

  • MBL: Mortgages & the Pandemic

    19/05/2021 Duración: 29min

    Buying a house with a mortgage is one of the biggest commitments we make in life. The pandemic has seen households managing lower, unpredictable incomes with furlough and government grants on offer. What effect has that had on lenders and their decisions to approve or decline applications? If you’re trying to get one or switch to a better deal - how are you finding it? What new mortgage products are banks and building societies now offering borrowers? Charmaine Cozier is joined by: Runouska Dass, Independent mortgage broker Keith Barber, Director of Business Development, the Family Building Society Producer Smita Patel Editor Alex Lewis

  • Difficulties claiming Personal Independence Payment benefit

    15/05/2021 Duración: 27min

    Many people on Disability Living Allowance are rejected when they are assessed for the newer benefit Personal Independence Payment (PIP). Paul Lewis hears about some of the experiences of claiming PIP and discusses with Daphne Hall, vice chair of the National Association of Welfare Rights Advisers and Dr Jim McCormick, chair of the Disability and Carers Benefits Advisory Group.More than 100,000 couples in the UK divorce each year — around 40% of marriages. It is over 20 years since divorcing couples could bring the value of pensions into the pot when they share their assets. But only one out of every eight cases take pensions into account as part of the financial settlement. So why is pension sharing at divorce forgotten in so many cases? Paul Lewis speaks to Jo Edwards, head of Family Law at Forsters.Up to a quarter of a million people over the age of 70 get no state pension - but around half of them could. Former pensions minister Steve Webb explains all.It’s nearly three months since we first reported that

  • MBL: The Cost of Pets

    12/05/2021 Duración: 29min

    Last year families spent nearly £7 billion on their furry friends. Pet ownership has soared and so has the number of services on offer for the modern-day pooch. Felicity Hannah and guests discuss the rising costs of buying a pet, keeping it well & safe, whether to insure it and the demand to cater for all their needs from luxury food to care day.Producer Smita Patel Editor Alex Lewis

  • Is new guidance on selling high rise flats fit for purpose?

    08/05/2021 Duración: 30min

    Mortgage providers are refusing to follow new guidance intended to help hundreds of thousands of people who are unable to sell or re-mortgage their flats because of the cladding crisis. The Royal Institution of Chartered Surveyors, RICS, issued the guidance to its members across the UK just two months ago. But Money Box has learned that despite being involved in preparing the guidance, many lenders aren’t following it - leaving people struggling to sell because buyers can’t borrow the money they need.Welfare benefits expert, Anna Stevenson from Turn2us outlines how people on Universal Credit will be able to get cheap broadband and some free calls from June 1st and discusses other discounts on utilities for people on benefits. National Savings & Investments does not use two factor authentication when you log on to your account. Is that a security risk? Paul Lewis talks to Adenike Cosgrove, a cyber security strategist at Proofpoint.And nearly two million workers who do more than one part-time jobs are exclu

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