Episode 1 Rip Off Britain

We asked you who's left you feeling ripped off when it comes to your

holidays and you came back with a catalogue of travel disasters.

A holiday's supposed to be a time of relaxing, not a time of more stress

and certainly not a time of stress whilst you're away.

It's just annoying that you think, what next,

what are they going to put a charge on next?

So, whether it's a deliberate rip-off,

a simple mistake, or, indeed, a catch in the small print,

we'll find out why you are out of pocket and what you can do about it.

Your stories, your money - this is Rip-Off Britain.

Hello, and welcome to Rip-Off Britain

from the sunny island of Tenerife,

where we're investigating all manner of problems to do

with holidays and travel.

And, you know, whilst time away really should be

about getting a rest, the opposite can happen

if you find yourself becoming the victim of a crime.

Now, most places around the world welcome tourists with open arms,

but I'm afraid there are those to whom they will always be seen as

rich and easy pickings, and, wherever you are in the world,

there will be criminals looking for any opportunity they can

to get their hands on your cash or, indeed, your belongings.

But today's programme is all about making sure

that doesn't happen to you.

And, as we hear about all the horrible things that can happen when

you let your guard down, we'll have plenty of tips to make sure that

your time on holiday is much easier

-and the criminals' lives much harder.

-Good stuff.

Coming up...

We're out with the police catching pickpockets in Barcelona to

see how the city is tackling its reputation for petty crime.

Somebody came and banged on the table as a distraction and snatched

a bag and was away!

And what's the hotel's responsibility if someone's able to

break into your room?

As we looked round, it just absolutely dawned on me,

"Oh, my lord, we've been burgled!" We were just shocked, weren't we?

When we're on holiday, the fact that we're tourists will very often just

stick out a mile.

We've got rucksacks on our back,

we're looking at maps or guidebooks and, of course,

we're taking photographs.

All dead giveaways to pickpockets who are hoping to catch us off-guard

and make off with whatever they can get their hands on.

They don't just target tourists, of course,

but there is no doubt that when we're away from home,

and perhaps that little bit more relaxed,

we can be much easier targets for someone who's hoping to snatch

a quick opportunity and get our cash.

The good news is that in holiday resorts around the world,

dedicated teams of undercover police are out in force to protect us,

so we went out with one of those teams in Barcelona,

to see just what exactly they are doing to catch the criminals and,

most importantly, to keep your valuables safe.

Watch this crowd at traffic lights in Romania.

The man in the blue cap is a pickpocket.

You can see that he's unzipping the rucksack of the man in front.

His accomplice, in the red, keeping watch.

In a split second, he's got the mobile phone.

His victim, none the wiser.

And in this footage, from Kuala Lumpur,

a tourist is standing at a takeaway counter,

her bag is next to her and a pair of thieves is ready to pounce.

The man in the white T-shirt distracts her,

while the other one dips into her bag and takes her purse.

The woman didn't see it happen.

Similar scenes are played out every day in cities across the world,

but in particular in Barcelona.

Gaudi's architecture, the Picasso Museum and the famous

Las Ramblas shopping street have made the Spanish city a favourite

weekend break destination.

But it's considered Europe's pickpocketing capital,

with a reported 300 incidents of thefts every day.

Trying to catch those criminals is the responsibility of this team,

Catalonia's urban police unit, highly-trained,

eagle-eyed, plainclothes cops who walk amongst the crowded streets,

spotting suspects.

Every morning, the team are brought together and given

a list of mugshots, faces of people known to have committed

pickpocketing crimes and other scams targeting tourists

abroad, and they're all repeat offenders that police believe

are still very much active.

Ana has been with this department 12 years.

She has a photographic memory and can spot a thief a mile off.

Years of mingling with tourists and catching criminals means if there's

a pickpocket in the vicinity, she'll know who it is.

And, today, she'll be looking in particular for people whose faces

were on that list who she knows have previously been arrested for

pickpocketing or other crimes, and are still considered a risk.

If she spots any of them, she can stop and search them right away.

And if they have any stolen items on them, she'll be able to arrest them.

Normally, when you travel to a foreign country, you're a tourist,

you're not thinking about pickpockets.

And you're not paying enough attention to your belongings.

So, they know that, they know that.

And that's why the tourist people are probably the perfect victims.

Today, only ten minutes into her shift, Ana receives a call.

Around here, I don't know where exactly.

Two suspected pickpockets are close by.

A quick check on the police database confirms they have previously been

arrested, so Ana wants to stop and search them to make sure that

they're not doing the same again.

The man is standing in black and the one with the ribbon.

Ana spots the two standing by the Metro.

And they are pickpockets.

She follows the two men without, it seems, being seen.

And they managed to shake her off their trail.

Probably they went inside the Metro.

Once the thieves go underground, it's virtually impossible to catch

them and sure enough, this time, they've gone.

Ana's certain that the two men will once again be targeting tourists

and they've managed to slip through her fingers.

It's frustrating, because you know they are staying and you can do

nothing, because in one second you have them, and

in the moment that you hide, you have the risk to lose them, so...

..it's all so frustrating.

We will look for them.

Police in Barcelona admit that this low-level street crime

is a serious problem.

That's why Ana's department works in shifts to patrol

the streets 24 hours a day and why the national government has issued

warnings to tourists to be careful.

But places like this, Gaudi's unfinished masterpiece,

the Sagrada Familia, continue to offer rich pickings for thieves.

So, spotting them amongst the crowd

has become part of Ana's daily routine.

All these people are staring at the Sagrada Familia and we're looking

for some thief that is only seeing the backpacks, perfect victim.

Now, you have a person taking pictures, with a bag, the backpack

in the back out of their control. They can open them up,

open the zip, and take anything inside.

They're absolutely perfect victims for our pickpockets,

so we're looking for anyone that is looking at the same things as me.

Ana knows every trick in the thieves' book.

They use big maps to open, to hide their hands with big maps

to open zips and take from inside.

OK, there are many pickpockets, you have to take care.

The backpack in the front.

-Always.

-OK?

Good for you.

SHE SPEAKS OWN LANGUAGE

Luckily, many of the visitors here today already know

to be on their guard.

I read the Barcelona handbook and I'm very surprised

in all of the information they're giving you about Gaudi

and the wonderful buildings, they said, "Beware of the pickpockets."

That was really big headlines.

Well, I was last in Barcelona 15 years ago and I actually had my

purse stolen, right here.

Yeah, making the typical tourist mistake of putting my big map away

into my purse and not paying attention to what was going on.

We had a handbag on the table and somebody came and banged

on the table as a distraction and snatched a bag and was away.

We've left our proper passports in the safe in the hotel,

so we don't lose those,

but we have copies of passports in case we need them.

It ruins a holiday.

At least, it takes up a half day of your holiday, spending it

at the police station. So best to avoid it.

As Ana and her colleagues move on, it's approaching lunchtime,

a golden opportunity for opportunistic pickpockets.

It's now 12:30 and we're looking for some thieves going inside

the restaurants to steal the bags, or telephones, or whatever.

But, even on a crowded street, it doesn't take long for Ana

to recognise someone who's on the police force's list as having

plenty of pickpocketing form.

That's a good pickpocket.

According to the police records,

the man in the blue shirt is a prolific pickpocket,

known to target tourists in restaurants and Ana has spotted him.

She doesn't want to let the man out of her sight.

But she cannot be spotted.

Ana has the power to stop and search anyone who has previously been

arrested for similar offences, so she wants to catch the man to

make sure that he doesn't have any stolen belongings in his bag.

We will stop him.

If he does, Ana will arrest him.

But the man has nothing but his own possessions in his bag and Ana has

to let him go.

In the bag, he has not got anything, everything is normal.

For the moment, we can't do anything with him.

Though Ana made no arrest, her presence lets any potential

pickpockets know that she is watching them and it's not long

before Ana gets another call from her colleague, asking her

to check out two women who also appear on the police database

as having pickpocketed in the past.

OK, the colleagues, they are chasing two more.

I will call them now, just to know where they are.

A key part of Ana's job is not simply to make arrests,

but to make any potential pickpocket's job harder,

by moving them on before they have time to strike.

These two girls are well known to police.

They've been arrested before for pickpocketing and have even been

given a ban on visiting the Metro.

So Ana has the power to search their bags and then

ask them to move on immediately.

We know them, we know that they are pickpockets.

Normally, they act inside the Metro.

They both have been arrested before,

for pickpocketing and, well, we know them.

In the girls' bags are all the tools of a professional pickpocket.

They're carrying one cap, one of these, another one,

the one that he's carrying right now, just to look different.

They do the pickpocket, they take the wallet and if they are in white,

suddenly they are in pink, or in black.

They open the paper in order to hide hands,

to open zips and take the wallet from inside the bags.

But, with no immediate evidence of a crime,

all Ana can do is advise them to go home.

They will continue, of course. They will continue now.

Probably they will change the district

and they will continue in another suburb.

They will look for another entry for the Metro and they'll

continue doing it, but no luck from today.

They were lucky. Not us.

They may be lucky now, but we'll see these two again when we come back to

Barcelona and its potential pickpockets later in the programme.

Now, in the past in this programme, we've explored how hotels can react

if you're unlucky enough to have some of your possessions stolen from

your room when you're on holiday abroad.

And it turns out that you simply have not got the level of protection

that, perhaps, you'd hope for.

Well, it seems that the same is true if the theft was from a hotel

in the UK, because while you might assume that if your room

has been broken into and valuables taken,

that the buck stops with the hotel,

but I'm afraid it's not that simple.

Because, while the law does put some liability on the place where you're

staying, wait until you hear just how limited that liability is.

Now, think of a weekend in a classy four-star hotel,

and it's luxuries like these that spring to mind.

Not a room like a crime scene,

with rifled-through luggage strewn all over the place.

It was the last thing this group of friends imagined when they wangled

an eagerly anticipated weekend away.

It's really important that we spend time together.

We always stay overnight so we can do the getting ready together,

or the pamper and, then, in the evening,

we have a meal and things like that. We just love it.

For friends Lynn, Caroline and Jackie, the QHotel's

Park Royal Hotel in Cheshire was the perfect backdrop for

their pre-Christmas get-together back in December 2014.

We were all really excited to be spending some good quality

girl time, and it was Christmas, and we were going to be exchanging

gifts, and having a giggle, and hanging out at the spa.

It was a real fun time for us.

Following a lovely, busy day catching up,

chilling out and capped off with dinner, the friends then decided to

retire to their room for some peace and quiet.

We thought we'd just go back up to the room and just carry on having

a little chat up there, where it was more private.

But, no sooner had they turned the key in the lock of their first-floor

room, they realised it was not how they left it.

When we first opened the door,

it was obvious that something was wrong,

because the window was open and it was December,

-so we would not have left it...

-The room was freezing, wasn't it?

-It was cold.

-And the curtains were blowing.

It was only when they switched on the light that what had happened

-became crystal clear.

-My handbag was upside down and I sort of thought,

I didn't leave that... And then we looked at each other and said,

"Did anybody leave the window open?"

And, as we looked round, it just absolutely dawned on me.

"Oh, my lord, we've been burgled!

How can we have been burgled? We were shocked, weren't we?

-It was shock and fear.

-Yeah.

-And then anger.

And disbelief.

Unfortunately for the ladies, the room didn't have a safe and,

while they had tried to store their possessions out of sight,

the thieves had still made off with thousands of pounds

worth of jewellery, cash and much more.

It was really upsetting and the way that they had ransacked the room

meant that there was very little thought...

Everything, they'd just thrown everything around.

And it took us a while to really work out what had been taken,

which was pretty much everything.

As their losses sank in, Jackie noticed that her car keys, too,

-had also been taken.

-When I realised my car keys had gone,

I just ran downstairs into the car park and I thought,

"Oh, my lord, my car's gone."

The ladies immediately called the hotel reception and, in turn,

they called the police.

Now, when the police arrived, they confirmed one of the windows

had been forced open and accessed via the flat roof below.

I would have expected it to be much more of a secure building.

Given that there was a flat roof underneath,

the window locks didn't appear robust in any way, shape or form.

By the time the police had finished their investigation,

it was the early hours of the morning,

so, very keen to get back home, the ladies arranged to come back

once again in the New Year to discuss with the manager

exactly what had happened.

But what the hotel told them wasn't exactly what they'd anticipated.

The hotel didn't accept responsibility for the loss of any

of our belongings. I was bewildered.

We thought because they'd broken in through their window,

which we thought, well, we're going to be covered by the hotel for

valuables that went missing out of the room or something,

-and nothing at all, no. Nothing.

-We were shocked.

The hotel was unwilling to accept liability for the theft.

Instead, offering £100 to each of the guests and a free stay at any of

the group's properties at a future date.

But for Lynne, Caroline and Jackie, it was a real blow.

I was just insulted.

Is that it? Is that the full extent of your responsibility for what

happened on that evening?

Yeah. Insulted and angry.

We assumed that they would have some legal responsibility to look after

and keep their guests safe.

But, however disappointed the ladies may have felt,

the hotel was well within the law in offering them £100.

And that's because of legislation first introduced 60 years ago.

The Hotel Proprietors Act 1956 says under certain circumstances,

hotel owners may be liable to make good any loss or damage to a guest's

possessions, but only to a maximum of £100.

Now, when the act came into force,

£100 would have been worth around £2,000 in today's money.

And, with the average annual earnings back then

being around £500, it was a significant amount.

But although the times and salaries have changed considerably since,

the fixed liability sum of £100 hasn't, something that

solicitor Gary Wrightcroft believes really needs to change.

I think it's really shocking that the law hasn't moved on

in the last 60 years

and that the amount of compensation you can claim as a hotel guest

has remained the same since 1956.

It remains £50 for one item or £100 for a group of items,

if you're staying in a hotel outside of London.

I think that's a really bad deal for consumers, because, clearly,

nowadays, people are bound to be taking goods that are worth far more

than those paltry figures.

So, the Government needs to step up to the plate here and change the law

and make it better for consumers, and safer for them.

That will also make it more of an incentive for hotel owners

to make your goods safe when you stay with them.

In fact, in London, the law has, to some extent,

kept pace with inflation.

There, the limits a hotel is liable to pay out in the case

of loss or damage to a resident's possessions on its property

is £1,500.

That's down to the London Local Authority's Act of 2004,

introduced at the request of the Metropolitan Police in a bid to

encourage London hotels, which had a significant problem with thefts,

to improve their security.

One of the reasons that the Metropolitan Police wanted

the figure increased for London back in 2004

is because there was a spate of thefts from hotels in London.

So, I think increasing the strict liability limit,

whereby hotel owners have to pay compensation,

would make hotel owners raise their game, in terms of making sure that

when you stay at hotels, your goods are safe.

But none of that has helped Lynne, Caroline and Jackie.

As their trip was only a short drive from their homes,

they hadn't even thought to take out travel insurance.

And, chances are, if you're planning a short break in the UK,

you might not think of it either, which could mean,

depending on the rest of your insurance,

you might be dangerously unprotected.

So, while in this case, Caroline and Jackie were able to claim

for the majority of their missing belongings on their car and

home insurance, Lynne, I'm afraid, didn't have the same cover

and as a result, she's been left about £2,000 out of pocket.

When you go on holiday in this country, you actually don't even

think about having travel insurance to stay in a local hotel

in an area that you're familiar with.

It just did not occur to me to take out holiday insurance.

When we spoke to QHotels about the theft, it said,

"It's unpleasant for everyone involved when the crime is committed

"and it's regrettable that an incident took place,

"spoiling these ladies' stay."

But it stressed that, "As soon as the theft was reported

"to hotel staff, police were called to investigate."

And it doesn't accept that security measures were inadequate,

pointing out that reports into the crime concluded,

"That considerable force was used to gain entry to the room."

The company went on to say that

it had exceeded its legal requirement

in this particular case, having made an additional gesture of

goodwill, which actually it wasn't obliged to do.

But it is sorry that the ladies don't feel that the offer of

compensation was sufficient under the circumstances.

So, if you want to avoid being seriously out of pocket if things do

go missing, then there are some very easy ways to protect yourself.

If you're going to stay at a hotel in the UK, then take precautions.

Don't take valuable items unless you really have to.

If you do have to take valuable items,

then ask the hotel if there is a safe for you to use in the room,

and, if there is, then use it.

Even if there is a safe, you may want to ask the hotel to look after

the items themselves behind reception. And, if they do that,

they take on responsibility for the items, and, if they are lost,

then you're entitled to be compensated for those items at full value.

And whilst this very sound advice is useful for future trips,

the ladies are still left reeling from their experience.

You do presume, though, that when you stay in a hotel,

that they are going to take good care of you and your belongings.

And when you think how much you've lost, including a car,

£100 does not go very far whatsoever, does it?

Still to come on Rip Off Britain,

we're back in Barcelona, on the trail of more pickpockets.

They're well-dressed, friendly, nice people.

But they are pickpockets. It's their profession.

Our travel expert, Simon Calder, has all the secrets to save you money on

your travels. He's full of tips on everything from

how to avoid the crowds,

to the best way to steer clear of those tourist traps.

This time, he's in Paris.

Despite recent tragic events,

Paris remains our favourite foreign city by a mile and from wherever you

are in the UK, it's pretty accessible, too.

You might be thinking, "Oh, I went there five years ago.

"It won't have changed much."

Well, you'd be wrong.

The first time I came to Paris as a backpacker,

I camped in the Bois du Boulogne,

the woodland on the edge of the French capital.

The Bois du Boulogne has been miraculously transformed,

with the addition of a "vaisseau de verre,"

a glass ship, housing the Louis Vuitton Foundation.

The architect, Frank Ghery,

deployed 3,600 glass panels to form a dozen sails in this

modern art space, which also offers new views of the city.

The usual admission fee of 16 euros is a bit steep,

so come along on Friday nights between 7 and 11

where you'll find you get two tickets for the price of one.

There's an art to saving money at museums in Paris.

The admission for the Rodin is 10 euros, but you can get in

for just 4, so long as you're a citizen of an EU country,

including Britain -

for the time being - and you're under 25.

If, like me, you narrowly missed that last qualification,

don't worry, just come along on the first Sunday of the month

and the same discount applies.

Paris is the kind of city where getting around can be

more of a pleasure than a pain,

largely because there are so many ways you can do it,

and Simon would always choose one in particular.

My personal favourite, the bikes.

The citywide rent-it-here, leave-it-there bike scheme,

known as Velib, is tremendous value.

For less than the price of a single metro ticket,

you get unlimited use of bikes all day long.

And with over 400 miles of cycle paths in Paris,

it's the cheapest way of getting around, apart from walking, that is.

But, if you pull up for a coffee, watch out,

because it can cost you a packet.

If you're a regular visitor to Paris,

you'll be wearily accustomed to the notion that drinking anything...

Ah, merci beaucoup!

..on the terrace of a cafe trebles the cost.

Thankfully, in some places, that tradition is beginning to change.

Even so, you could still be forking out up to six euros for a coffee

instead of two if you sit at the bar.

But old Parisian customs are changing,

and that is also true when it comes to hotels.

With nearly 2,000 in the city, competition between them means

that if you follow Simon's last bit of advice,

you can save while you sleep.

A few years ago, I found it tricky to get a decent Paris hotel room

for under 100 euros a night. But, these days, it seems hoteliers are

prepared to negotiate, so don't be shy about bargaining.

You might get the same room on a quiet night for 60 or 70 euros,

so you can spend the difference on indulgence.

Earlier in the programme, we went out with a team of Barcelona

police to capture the culprits that have earned the city the unwelcome

reputation of being the pickpocketing capital of Europe.

And, as we join them now, listen out for some tips to make sure that

wherever you're heading on your next holiday, you won't end up having

your belongings pinched.

We're back on police patrol in Barcelona,

at one of the city's busiest tourist attractions, Casa Batllo.

Undercover cop Ana works for the local Catalonian urban police team.

Her job is to catch the criminals who surround tourists like wasps

and, today, there are rich pickings.

This lady is carrying her own bag in the back, with two zips.

It's perfect.

They're distracted, they are taking pictures, they are having fun.

And what the perfect professional pickpocket looks for is opening

the zip and taking anything from inside.

And, in no time at all, Ana spots two very familiar faces.

We first saw them earlier in the programme

in another part of Barcelona.

Two girls previously arrested for pickpocketing on the city's Metro

and, as a result, currently banned from travelling on it.

Ana had advised the girls to go home.

But they didn't take the hint,

instead, simply moving to a different part of town.

And now it seems they're heading underground.

Remember that they act in the Metro.

If the girls do head underground and Ana catches them at it,

she can arrest them.

But the girls have seen Ana and made a run for it.

Now, they are nowhere to be seen.

Bad luck. Bad luck again.

It's reckoned Barcelona has at least 200 pickpockets operating each day.

In this city of tourists, there are so many targets

and so many unattended bags and mobile phones,

especially in cafes like this one.

The pickpockets acting in restaurants,

what they will look is inside these kind of restaurants.

These two people is writing with a computer, so they won't be able

to see if anyone take the bag from the side.

Thieves distracting diners is a common way to steal bags and there's

another long-practised trick that all tourists should be aware of.

This first table, the two women have a telephone on the table.

There's another kind of pickpocket.

They use paper, they write anything, like,

"I am poor, I need to eat, give me a coin."

So, they show the paper written, asking for the coin,

they put it on the table, on the telephone,

and when they take it off, the telephone is here.

But not all tourists are sitting ducks.

Many holiday-makers, having heard of the dangers, have come

fully-prepared, or, at least,

with a heightened sense of personal security.

I have my money in my pocket, here,

which is only in a small wallet, but I've wrapped it around paper

and tickets and all sorts of things.

My partner made this before we came.

It was supposed to hold a mobile phone as well,

but that wasn't a success.

He designed it, I sewed it.

Really, the only precaution I take is that I will put my wallet in my

front pocket. In America, I wear it in the back pocket.

I've got a bag here with some personal belongings and the like,

and what I do is, just like my wife, I keep it in front of me,

and I keep my arm over it, and that seems to do the trick.

My wife is calling this a man purse.

I don't agree with that, but it seems to be working.

Ana is on the move again.

She's permanently on the lookout for criminals.

In a city of over five million, with almost 11.5 million tourists

each year, that's a challenge.

But Ana never forgets a face and she soon comes across several more that

she and her colleagues think they recognise from the police database.

I saw three, but I'm not sure.

Ana thinks that she recognises one of the men, not as a pickpocket,

but as someone recently detained for another crime.

So, once she's confirmed that he is indeed who she thinks he is

by checking the police's official list,

she's allowed to stop and search him.

It seems Ana was right to be concerned.

This man from Morocco was recently arrested for drugs trafficking, and,

after checking police records, Ana discovers that his visa has run out.

He's hanging out with somebody else Ana recognises.

A man who she hasn't seen for a while

but who police records confirm used to be a pickpocket.

So, she's allowed to stop and search him to see whether he has

any stolen possessions on him.

He's been arrested before, five times doing pickpockets.

Two or three years ago. Now he's good, he says.

The Spanish national police arrive

to take the other man in for questioning.

When we saw them, we thought that these faces were familiar to us.

That's why we're stopping.

By now, it's mid-afternoon and Ana heads back to the Casa Batllo,

as this is the time the pickpockets start to get busy.

In terms of personal safety,

Barcelona is among the top five safest cities in Europe.

It's low-level street crime that creates problems for tourists and,

yet again, in a busy crowd, Ana spots another two people that

the police force class as repeat offenders.

Two people, two women, young women, one blonde, one dark.

With their shirts, blue, red and white, over there.

Two women.

Ana says these well-dressed women have been known to steal from

wealthy tourists, and once she's checked that the girls

are on the official police list, she's in hot pursuit.

Normally, they steal inside shops.

They steal wallets from inside the bags.

We've got them there.

Ana wants to stop the pair before they go into any more shops,

potentially to steal, but, as before, she has to check

they are definitely on the police's most wanted list

before she can stop and search them.

If she then finds stolen goods on them, she can arrest them.

They're in the city centre trying to steal any wallet from any bank.

As you can see, they are well-dressed, they are friendly,

they are nice people, but they are pickpockets.

It's their profession.

Like the women that Ana confronted earlier,

these two are carrying a range of useful disguises,

the sort typically employed by any pickpocket.

We're again looking for some...

..anything that is not theirs, any wallet,

any document from any victim, but nothing for the moment.

Nothing. We have the shirt, one jacket to change of colour...

Nothing here.

The women have no stolen property in their bags,

but Ana wants them to know that she and her team

are keeping tabs on them.

What they do is go into shops, expensive shops, probably Gucci,

Emporio or Chanel, they go inside, open bags from victims

and take the wallet from inside.

Despite protesting their innocence, the way they answer our producer's

next question certainly sounds like some sort of confession.

But, for now, as the women have got nothing on them,

Ana has to let them go.

We weren't lucky again.

Well, she says she was unlucky, but, in fact,

even in the time we'd been with her, Ana's managed to spot no less than

seven previously convicted pickpockets

in Barcelona's busy streets.

Every day, you're in the middle of the city,

just having a look and, suddenly, between the crowd,

you can see two pickpockets working in front of you and the job begins.

So, every day is similar to this.

So, while today she's made no arrests, those Ana has stopped

have been given a clear warning that she's on their tails,

and by confronting or pursuing them, she hopes she'll at least

have stopped tourists in the immediate vicinity from having

their valuables stolen.

Better yet, you've been able to pick up some tips to make sure that

whichever city you visit next, no pickpocket will be getting

their hands on your stuff either.

Rip-Off Britain's pop-up shop is back in business.

This time, we took our team of experts to Manchester's bustling

Trafford Centre to hear more of your problems, face-to-face.

Now, there is absolutely nothing to stop you going to court.

Being a victim of a crime is made all the worse if it happens while

you're on your holidays and a recent survey found no less than

a third of us have had an item stolen whilst we were away.

Pamela Handy, for one.

But, as she discovered, getting your insurance company to pay out

for your loss isn't always easy,

so she's come to see Simon Calder for advice.

-Pamela.

-Yes, hello.

You were the victim of a theft on holiday.

-Tell me about it.

-Yes, we were burgled whilst on holiday.

Presumably some high value items were stolen?

Yes, they were small laptops that both my sons had, and a phone,

and my husband's Kindle.

Enough. Well, as soon as Pamela got home,

she made a claim on her holiday insurance,

which she got through her bank account.

But, although the company agreed to pay out, there was a catch.

Tell me what happened, Pamela?

Well, we approached the bank and they said we had to pay four lots of

excesses, which was quite high, so we said, "Well, why?"

Because if we were burgled at home, regardless of what they take,

it's just one excess.

By the time Pamela had paid four lots of excess,

it wouldn't leave much to cover the cost of all those electrical items

that had been stolen.

And what was the insurance company's response?

They just said that's the way their policy operated,

but it was actually with our own bank account.

When it comes to thefts on travel insurance,

they are getting tougher and tougher, because they say,

"Well, we get an awful lot of fraudulent claims

"and that pushes the price up, and the only way

"we can afford to cope with that is if we keep the amount we pay out

"as low as we possibly can."

The problem, I think, is that when you get travel insurance through

a financial provider, like a bank,

had you studied all the terms and conditions on it?

-No, but, then, who does?

-Right, exactly. Nobody does,

even though, of course, you're supposed to.

But you'll find, I imagine, that the home insurance

and the travel insurance have very different levels of cover.

Pamela's insurance was part of a so-called packaged bank account,

where, for a fee, you get a variety of other services.

But, according to the Financial Ombudsman Service,

such accounts are the country's second most complained about

financial product and that's often because the insurance policies

that come with it didn't quite give the cover you'd expect.

Now, of course, it's all very easy to say, "Read the small print before

"you take out insurance," but Simon is very wary of forking out for

anything that doesn't deliver, and he takes a different tack.

So, can I just tell you, Pamela, what I do with travel insurance?

-Yes.

-Well, I don't have any insurance for any valuables whatsoever,

because I guess I've heard too many cases like yours,

where something really valuable goes missing and you don't get any joy

from the travel insurance company,

so I just get a very basic family policy,

£60 for the four of us, and that is really just to cover

emergency medical stuff.

That really helps to keep the cost of the insurance down.

It also means you're less inclined to take expensive stuff abroad,

where it might, very sadly, as you found, go missing.

Well, in the end, Pamela stuck to her guns and did not pay her insurer

for all those excess charges, and, to avoid any further hassle,

she replaced her stolen goods by buying second-hand instead.

Many of you who came to see us spoke about similar hidden charges,

whether it's insurance excesses or even charges for air conditioning.

And when Simon went out and about during our pop-up event,

he heard of another charge that families really ought not to pay.

What at the moment annoys you about flying?

Well, when we went to Tenerife this time, we travelled

with my two daughters, who are nine and ten,

and we all got separated on the plane,

so my nine-year-old had to sit on her own and I was three rows behind,

my mum was right at the front of the plane,

and I didn't think that was right.

Right. I don't know what airline it was,

but under Civil Aviation Authority rules,

any child under 12 has to be sat next to a parent.

That might possibly be in the seat in front, but within easy range.

If there'd been an emergency, which, of course, is extremely rare,

your first thought is, "I've got to look after my children."

If that ever happens to you again, make sure that you say,

"Sorry, civil aviation rules mean that you have to seat us together."

Well, we're going away again in six weeks, and, this time, I thought,

"I'm not risking it." We pre-booked seats.

Well, maybe that's what they...

So, in a way, I suppose they've got more money out of us.

Exactly, I'm lucky enough to have two daughters

and I wouldn't pay a penny to sit next to them!

Not that I don't like them, but it's just you don't need to.

So, I'm sorry that happened to you, but don't let it happen again.

-Thank you.

-Thank you.

-Thank you.

If you've got a story you'd like us to investigate,

then get in touch with us via our Facebook page, BBC Rip-Off Britain,

our website, bbc.co.uk/ripoffbritain,

or e-mail us at...

Or, if you want to send us a letter,

then our new address is...

Well, the cautionary tales that we've heard today really are

a reminder that you do need to keep your wits about you at all times,

even when you're away on holiday.

You just never know when some sort of opportunist or thief might be

there to take advantage of you.

But what I did find really interesting during the programme and

reassuring, was all the work that Ana and her team in Barcelona are

doing to get one step ahead of the pickpockets and stop them before

they steal anything.

I thought it was fabulous to see how she's always on the lookout and,

as you can tell, it really is true that she never, ever forgets a face.

-Julia.

-A talent I only wish I shared and don't get me started on names.

But that's all we've got time for today.

We hope your next trip is relaxed and incident-free,

but if for whatever reason it's not, please do let us know and it might

be your experience we're sharing on a future programme.

For now, though, it's hasta la vista from us.

-Bye.

-Bye.

-Bye-bye.