Money Box

Billions of pounds is lost each year to fraud, be that by criminals simply stealing someone's money or by thieves tricking victims into giving them their details before draining their bank accounts. It's a crime that is massively under-reported, with very low conviction rates too. To tackle this, a new agency's been created called 'Report Fraud'. It replaces the problematic "Action Fraud" which had been the place for victims to report fraud for over a decade. Paul Lewis interviews Chief Superintendent Amanda Wolf who's the Head of Report Fraud.
There are calls for a cut in the interest rate on some student loans. In recent weeks some graduates have been saying they feel they were missold their loans, because they're only paying off interest on what they owe, despite high levels of payments. The Department for Education says that its making what it called "tough but fair" decisions to protect taxpayers and students. We'll discuss that with the Higher Education Policy Institute.
There is growing pressure from charities and MPs for the government to introduce statutory regulation of the bailiff sector in England and Wales as a matter of urgency. Campaigners say it's about making sure people who are in debt aren't on the receiving end of bad practice form bailiffs breaking the rules.
And half a million households on heat networks now have new protections when it comes to their heating bills.
Presenter: Paul Lewis
Reporters: Bisi Adebayo and Dan Whitworth
Researcher: Niamh McDermott
Editor: Jess Quayle
(First broadcast on Radio 4 12pm Saturday 31st January 2026)

The number of people working past retirement age is growing. New analysis of tax data found a 12% rise over the past five years. It was carried out by the specialist employment law firm, Littler, which says official estimates for the last financial year show 2.1 million workers and self-employed people are over state pension age.

For some people carrying on working is a positive choice. They enjoy the routine, like the social side, and of course the money but for others it’s much more about necessity, when pensions alone not stretching far enough.
But, how flexible are employers when it comes to older workers and what are the tax implications of collecting your state or private pension while still working?
To talk it all through Felicity Hannah is joined by Zoe Alexander, Director of Policy at Pensions UK, Morgan Vine, Director of Policy at charity Independent Age and Julie Dennis, Head of Inclusive Workplace Strategy at ACAS.
Presenter: Felicity Hannah
Producer: Sarah Rogers
Editor: Jess Quayle
Senior Editor: Sara Wadeson
(This episode was first broadcast on Wednesday the 28th of January 2026)

The chair of Parliament’s Energy Select Committee has told Money Box it’s “vital” the Energy Ombudsman is given new, stronger powers as quickly as possible. Bill Esterson says that it is too easy for energy suppliers to simply ignore ombudsman decisions leaving consumers powerless. Energy UK, which represents suppliers, says customers have the right to expect a good service and, in the vast majority of cases, suppliers are able to work with the Energy Ombudsman to resolve cases within 28 days.
As people live longer healthier lives more and more are working longer - often well past the state pension of 66. A new analysis of HMRC data found a 12 percent rise in the number of people working past the state pension age over the past five years. What's driving that increase?
Top tips for filing your self-assessment ahead of the deadline next week.
And as the number of payments made by cheque drops, what does the future look like for their usage?
Presenter: Paul Lewis
Reporters: Dan Whitworth and Jo Krasner
Researcher: Haider Saleem
Editor: Jess Quayle
Senior News Editor: Sara Wadeson
(First broadcast 12pm Saturday 24th January 2026)

Buying a new car last year increasingly meant going electric. Around one in four new car buyers made that choice with almost half a million electric cars registered over the year, according to industry figures. That means there are more than 1.8 million fully electric cars driving around the UK, which is still only just over 5 per cent of cars on the road. But in the next few years, more motorists will start navigating the change because by 2030 the UK government is banning the sale of new petrol and diesel, with hybrids allowed until 2035. So how much do electric cars to buy and run, and how easy is it to travel long distances in them?
Joining Felicity Hannah are Stuart Masson from the website The Car Expert and Melanie Shufflebotham from Zap Map, which is an app and website showing where public charging points are.
Presenter: Felicity Hannah
Producer: Sarah Rogers
Editor: Jess Quayle
Senior Editor: Sara Wadeson
(This episode was first broadcast on Wednesday the 21st of January 2026)

When it comes to keeping our homes warm nearly all of us rely on just a handful of big energy suppliers. And during the winter, especially with the cold temperatures, we rely on those suppliers to do their job. When they don't customers can firstly complain to their supplier but, if they're still not happy, they can take their complaint to something called the Energy Ombudsman. It's a free, impartial service and gets thousands of complaints every year. In most cases, when the ombudsman makes a decision, that decision is followed to the letter, quickly, by suppliers. But in some cases that doesn't happen - we investigate one listener's battle over a £1,700 bill.
HMRC has told MPs it's going to take more care in how it handles its effort to crack down on fraud and error, after a mistake which led to thousands of families wrongly losing their Child Benefit.
It was the Scottish government's Budget this week and there were quite a few changes promised for people's pockets, we'll round up the details.
And, there's a huge amount to think about when buying a home, from sorting the mortgage to getting quotes for removal companies, but one thing you might not be expecting is that your new home might come with rules telling you what you can and cannot do with it. Restrictive covenants are binding conditions written into the actual property deeds or contracts. What can you do to protect yourself from any financial impacts?
Presenter: Felicity Hannah
Reporters: Dan Whitworth, Eimear Devlin and Phil Simm
Researcher: Jo Krasner
Editor: Jess Quayle
(First broadcast 12pm Saturday 17th January 2026)