Episode 3 Rip Off Britain

and Julia Somerville are standing by ready to tackle all

Thanks, Dan and Louise and welcome once again to our special week

where we've packed the next 45 minutes with umissable advice.

on everything from contactless payment cards

to an increasingly common way that email hackers can find themselves

And as one man reveals, and horrendous identity programme that

won't go away. Could the same thing happen to you? We asked you what you

feel has ripped you off Angie contacted us in your thousands. You

told us about the service that is not up to scratch. There should be

looking after the customers and they don't. Loyalty to customers is a low

priority. You asked us to track down the scammers who took your money and

the extra charges that are unfair. Big corporations are more about the

money than they are the people. When you have lost out and others are to

blame, you have come to us to stop others falling into the same trap.

It feels like I am being ripped off. So if it is a genuine mistake or a

rip-off... We are here to find out why you are out of pocket and what

you can do about it. Your stories, this is Rip Off Britain. Good

morning to you and thanks for joining us once again for Rip Off

Britain live. We are here to tackle all of your consumer gripes and

problems head on. Already this week, we have had a fantastic response to

the stories we have covered, so keep those comments and questions coming,

we will catch up with some of them later on. It is easy to do, you can

just e-mail us or you can find us on Facebook. Lots of you did exactly

that yesterday and we have got other things that will get you fired up

again today, not least a shocking new scam, fraudsters deliberately

targeting home-buyers with absolutely devastating results.

Shocking story. Also coming up, James Delaney may look like a family

man from Lancashire but we find out why he has been mistaken for a man

on the run in South America of all places. And these days, she is

making the news on strictly, but today, Brexiters's Naga Munchetty

gives us her best consumer tips and tells us why she hate shopping so

much -- breakfast's. Now, when the tap at the going gets tough, the

tough get shopping. Yesterday's pop-up was an absolute success and

we managed to solve a problem for Siobhan, who had a problem with her

car insurance. And it is all to play for as Gary Rycroft and Helen Wells

from the financial ombudsman look after our consumer corner. First,

when you are buying a new home, it is easy to be swept up in the

excitement of colour schemes and new furnishing. But as we have learned

time and time again, fraudsters are opportunists. And the sums of money

involved in the sale of property accountant rapidly to provide them

with the biggest opportunity of all. -- can provide them.

With tens of thousands of pounds of state, you'd have the money involved

in buying a new home would be, well, safe as houses, but when big sums of

money are on the move electronically, computer hackers can

be just one click away. Paul from Stoke knows that only too well. Only

last year, he told Groupon how hijackers hijacked -- e-mails were

hijacked between him and his solicitors during the sale of his

property and they managed to steal an incredible ?333,000. Knowing that

my e-mail accounts have been hacked just leaves you feeling on edge all

the time. Though most of the money was recovered, Paul was still left

?48,000 short. But cases like this are becoming increasingly common,

with home-buyers now regularly targeted by fraudsters using exactly

the same methods. In fact, last year, such scams increased by a

staggering 71% and it's estimated that almost ?20 million has been

stolen in this way. One of the latest to be stung is Amanda

Jackson, who lives in Lisbon, Northern Ireland. When she separated

from her husband, she needed to buy a new house for her self and her two

daughters. I wanted a fresh start after being divorced, I wanted to

look to the future as to where we were going to go. So we very much,

as we family, looked at where we wanted to purchase. While she

scoured the market, they moved in with Amanda's dad and she eventually

found a house that seemed to take all the right boxes. It was a very

nerve wracking time for me as a parent to try and encourage the

children that it was going to be their dream house. On Thursday the

1st of October last year, Amanda received an e-mail from her

solicitors detailing the account name, number and sort code she said

transfer funds to in order to complete the house out. However, a

few hours later, before she had a chance to do that, she received a

second e-mail which again appeared to be from the solicitor, saying the

bank details she had been given were incorrect and went on to provide her

with new account numbers. It seemed very normal and it was written in

the same format as previous e-mails and it was allegedly from the same

receptionist, with all the headers and footers as the previous e-mail,

so I had no reason to doubt it at that point. To complete the

purchase, Amanda needed to transfer almost ?80,000 to her solicitor and

with so much money involved, she decided to physically go into her

bank to transfer the cash, thinking it was a safer option than Internet

banking. I chose not to do online transaction of the funds because it

was such a huge amount of money and I thought that you had more security

from going into the bank to complete the BACS transfer form. That was on

a Friday and Amanda expected an e-mail from her solicitor can --

solicitor to confirm they had the money. When she hadn't heard

anything by Monday, she called them to find out was happen and vividly

recalls every detail of that conversation. We are just checking,

Amanda, to find out if your funds are in. I said, right, OK. They said

can you give us ten minutes and Colback? So I drive home from work

and I ring back and I say, I am really very concerned, I transferred

my money on Friday, please can you confirm if you have received my

funds? Amanda was horrified to be told that not only had no money come

through, but the solicitors didn't have an account at the bank to which

she had been told to transfer the money. At that point, I realised

that my money had been sent to a fraudulent account or the wrong

account and it was devastating. I literally crawled in through the

door of my father's house, very upset and hysterical. Amanda

immediately called the bank, desperately hoping it could get her

money back. My recollection of that phone call is very blurred, but I

just do remember the lady saying, could you just breed? Clearly, I was

an -- in an hysterical state. They said they would look into it but if

the money had been transferred on the Friday, it was unlikely they

would be able to do anything. As she struggled to understand exactly how

she could have been targeted, it became clear her e-mail account had

been hacked, giving fraudsters access to every message she had sent

and received. Ultimately, that had allowed them to send a fake e-mail

posing as her solicitor and Amanda hadn't spotted one tiny difference

in the e-mail address, a single letter. I didn't click on the e-mail

sender and if I had, I would have realised that there was one letter

missing from the solicitor's e-mail address. That was the only

difference in the two e-mails, was that one had been sent from a new

e-mail account that had been set up with one letter difference. Jason

Hart is what is known as an ethical hacker who works with big

organisations making sure they stay one step ahead of cyber criminals.

He believes consumers need to be ever more vigilant about online

security. As far as I am concerned, the danger with respect to cyber

criminals is increasing on a daily basis. If anything, for a bad guy,

it has never been so easy for them to compromise an individual or an

organisation. To show how the scam works, we have set up a dummy e-mail

exchange between a solicitor and a home-buyer and Jason will be playing

the part of the hacker. This is a device which is commonly available,

which simulates trusted Wi-Fi. This is the use of's laptop, who is

unaware that he is actually connected to the bad guy. This is

the bad guy's laptop. So with this attack, everything that the user

does on this computer, the bad guy will see. So we are going to start

the attack. It is literally one click. So now the individual will

start surfing the web. As he is serving, you can start seeing all

the content of the websites that he is logging into and all the data

itself. So now if the individual was to login, using any usernames or

passwords, the bad guy would get to see the information. By using

techniques like this, it is easy to see how the hackers are ready to

pounce when they know money is on the move. So I can see from the

number of e-mails here that an exchange of contract is actually

going to happen on Friday and the solicitor or conveyancer has already

requested money is to be sent to a particular bank account. What I am

going to do, or what the bad guy would essentially do, is create a

very similar e-mail address and then resend it to the purchaser or buyer

to say actually, we need to change the bank account details. Please now

can you send your deposit money to this bank account? Essentially, now,

the bad guy just sits there and waits for the money to arrive in his

bank account. In Amanda's case, it's impossible to tell exactly how her

e-mails were compromised, but however it happened, she has been

left ?76,000 out of pocket and it is money she is unlikely ever to get

back. She was, however, still able to complete her house purchase.

Thankfully, between the brilliant friends and family that I have, we

were able, between personal loans and loans from friends and family

and that just giving page, we were able to raise enough money to

purchase the house. TI Caples helps lead the team at city of London

police investigating crimes like this one -- detector -- Detective

Inspector Caples. Where we can, we will try and find these people and

secure these funds, but a lot of them operate overseas and it makes

it difficult, hence preventing these crimes in the first place is so

vitally important. These organised crime groups know that Friday is the

best day to target home-buyers because the chances are the fraud

won't be discovered straightaway. What we are finding is these

payments are being made out, they often are discovered until much

later, so if they are happening on a Friday, they are often not reported

until later on Monday, making it really difficult for us to trace

those assets and act as quickly as we would want to. But there are ways

you can protect yourself. Firstly, those alarm bells need to start

ringing if you are asked to transfer money to a different account. Take

the time to make those extra checks and don't do anything without

verifying it is legitimate. Secondly, if you think you have

downloaded anything, open the links or attachments, get your computer

checked out and get those removes. But for Amanda, the experience has

left are scared to make any sort of transaction. -- has left her. I am

not sure I would have the confidence to sell our house or to purchase

another house and and I'm not even sure that I feel confident going

into the bank anymore to make a small transaction. Even carrying

cash. So, yes, there are lots of things on a day-to-day basis that I

had to overcome and conquer. I feel very vulnerable, yes.

Well, that is a truly horrible story. Joining me now are Alex Neill

from Which? , alongside property expert James Max and fraud lawyer

Aaron Chauhan. Alex, anyone would feel sorry for Amanda in her

position, nearly ?80,000 gone and really no fault of her own and I

think a lot of people would think how could she possibly be expected

to understand the situation. It before it happened. I know that

Which? Is actively engaged in behalf of people like this. What are you

doing? It is a heartbreaking story and a life changing amount of money

and unfortunately not the first case we have seen like this, we have seen

quite a few and it is linked to the fact that more and more of us are

transferring money by bank transfer and when we looked into it, the

consumer protection hasn't kept up. So if you were scanned using your

credit card or your debit card, you would be covered by the banks but

here, the banks accept no liability and it is all down to the consumer.

The problem we have with this is these are often sophisticated scams,

not consumers who are naive or negligent. They are often things

people couldn't have spotted and so we have used our special legal

powers to complain to the regulator and ask them to look into this to

help banks do more for their customers. What is your take on it?

It is easy to look at banks and say they are responsible, you must pay

for this, you must sort out your systems. As with becoming more

digital society that relies on banking services to be electronic,

yes, of course, they will have to make changes. Ultimately, you say

there is no way people could spot these particular scams, well, there

is. If somebody asks you last minute to change your bank details, the

flashing beacons of warning should be going off. You should be making a

call. Do the personal touch. Speak to your bank and say, really? Let me

check, check again. These are life changing amount of money. He must be

absolutely sure every single time you transfer it. -- you must be. The

banks must change, of course, but we as consumers need to be aware. The

final point is credit cards are different. Every time you make a

credit card transaction they charge between two and 3%. Part of that is

insurance. If you want to have that kind of charge on these huge

transfers of money, by all means, you the consumer will end up paying,

and I would suggest this is more about the law and being more careful

than it is about simply saying, banks, you pick up the bill. Do you

want a comeback? I disagree. In terms of the transfer, this is about

the difference between what thanks do when they are made to be liable.

When they are liable they develop sophisticated techniques to help

protect themselves, frankly, from having to pay out. Debit cards are

covered, as well. But they charge you. I know Aaron has a particular

point of view, because you are involved, aren't you come in a case

of this nature right now? I am dealing with a victim who was

suffering from the same type of fraud. She's lost over ?200,000 to

this type of scam. There is a collective responsibility. The law

needs to be extended and put more responsibility on law firms to

educate their clients. They should have a good practice guidance.

Warning clients that account detail numbers will not be changed unless

notified. Otherwise banks need to match the name of the intended

account page to the recipient. At the moment the law says they don't

need to do that. -- account payee. This needs to be tested on a further

scale. Presumably you all want a change in the law. Thank you for

coming in. I am sure our viewers will be right behind your complaint,

Alex. If you have been a victim of this

type of fraud, or any kind of fraud, let us know. Lots of you have

already been contacting us this week. Yesterday we had hundreds of

e-mails after the story we did on the rise in women's state pension

age. Many more women telling us they were not given enough notice of the

change. And plenty of comments after our

report on voice recognition technology. This is an interesting

one from Rosemary. She works at a hospital with an automated

switchboard. She says it has a problem differentiating between

haematology, dermatology, and rheumatology, which could end up

causing many problems if you end up at the wrong one.

Couldn't it just. And after my interview with Luke skywalker

yesterday, Murray Gardner tweeted to save Mark Hamill is on Rip Off

Britain: Live. Next week, Brad Pitt discussing problems? We live in

hope. CHUCKLES

Sometimes we cover stories that raise as many questions than they

answer. The next involves a plot straight out of a Hollywood movie by

Lancashire. Life in the many household is busy.

Teenage son Callum is studying for his GCSEs. Dad James works as a

teaching assistant. And mum Linda is a full-time carer for their daughter

Rebecca, who is blind and deaf. A summer holiday should be a time for

all of the family to relax. It is a sanity saver. We have a lot of

stress involved in the day to day running of the home. That two weeks,

where you can just switch off, and just do the things of families take

for granted, and just run-of-the-mill, for us it is very

special. To allow Linda to have a proper break her daughter Rebecca

stays at a local respite home. It is somewhere where they know she will

be safe and happy. Last year at the Delaney 's had booked a two week

holiday to their favourite destination. Turkey is a fantastic

place to visit. The climate is brilliant. The people are warm and

friendly. It is just so relaxing. As usual they had booked their trip

well in advance. They thought all that was left to do before jetting

off was to apply online for their visas which would allow them into

Turkey. It is a simple application process that is typically completed

in a couple of minutes. But despite successfully obtaining a visa in the

past this time around there was a problem with James's application. We

have been on the site at least 40 times now. If not more. It just so

sorry, unfortunately not able to issue a visa for you, please proceed

to the nearest Turkish Embassy or consulate for Visa application. With

every application you just think that the chance is slipping further

away. That's going on holiday might not be on the cards for me this

year. With panic setting in that the family might miss out on a holiday,

James came to ask for help. The trip had cost the family over ?3000.

There was a lot at stake. This has been one of the most stressful

period I've experienced in a long time. You lie awake at night

thinking, what is it? Is it something we have done wrong? The

family holiday was in the balance, so we got in touch with the Turkish

embassy. With just two days until the the flight we were able to

secure James a face-to-face appointment. To his surprise he was

told that somebody was not even British with the same name and birth

date had been denied entry to Turkey, and the computerised system

assumed that the two people were won and the same. The two men are not

even linked, so it was a case of the computer saying no. An online Visa

could not be issued automatically and James would now face increased

security checks. Surely they could filter out using the extra

information that you put on your application for a visa to say, well,

yeah, this guy is not who we are looking for. James, of course, could

prove his identity to the Turkish embassy staff, but will still left

with a nerve wracking wait this case was reviewed. Until an 11th hour

call. We got a phone call from the embassy saying they have got the

green light, the Visa is here, we will mail it to you first thing in

the morning. It was a great result for the family, who can now fly out

to Turkey safe in the knowledge that their dad could join them. At the

time the embassy told us it was pleased that its staff had done a

good job in assisting James with this exceptional case. It was

confident that the new servers were both faster and more efficient. I

think the Turkish Visa system has seriously got to be looked at by the

powers that be. And improved. Well, not just improved, actually made

foolproof. I certainly would not want to go through this again. But I

am afraid that go through it again is exactly what he has had to do.

Because the very same palaver has happened again this year. They had

such a good trip last summer that as soon as they returned home James had

booked the family's next trip. And frustrating as the Visa problem had

been, James had felt confident that it just would not happen again,

because the Turkish embassy was now aware of his case. And we also

thought this was now resolved. Until James got in touch with us again in

a panic. James, last year we came to your rescue and managed to get you

your Visa so you could go to Turkey. What has happened this year? This

year we went with a travel company. They assured us they could get us

the Visa is no problem. My wife's Visa was issued, so was my son's, it

came to my name and once again, no. Giving what reason? No reason. This

is one of the aggregating things about using the system, it does not

tell you why you are not getting a visa, it leaves you in the dark. --

aggravating. It is really frustrating. With the family holiday

once again at risk, James had no choice but to make the 100 mile

round trip to the embassy offices in London. As an innocent person who

hasn't committed a crime, I don't see why I have to go through so many

hoops to get 14 days in the sun in Turkey. His Visa was once again

issued, but with a couple of stings in the tail. Visas issued

face-to-face come at a cost. Last on the embassy had waived the extra

charges as a goodwill gesture, this summer he has had to pay ?93, five

times more than the cost of a new visa. -- last on the embassy. Add to

that the train fare, the whole thing has made a huge dent in the holiday

Budget before they even left the UK. James said the embassy staff gave

him an incredible explanation of how a teaching assistant from Lancashire

continues to be mistaken for a man on the run in South America. He

explained that the problem did not lie with the Turkish government, it

lay with the American government, that it was the FBI who had issued a

stop order on somebody who shares my name. Apparently he is in South

America. He is wanted for tax fraud. All of which raises the question of

where else James might suddenly find himself unable to fly to. My wife

has family in the US. We recently got back into contact with them

after a long while. They invited us to go. Me, America? I'm not sure.

You must be afraid to go anywhere. It makes you feel leaving the shores

of the UK. -- fear. The Turkish embassy hasn't given any further

comment on James's case. I'm hoping that aviation and security expert

will share some -- shed some light on this saga. If it wasn't so

serious this would be laughable. Maybe I am being naive, but there

are documents, a passport, thumbprints, why can they not sort

this out? Because you are dealing with the computer, not a human. An

operator that probably knows the system very well and frankly does

not look at the next screen where the information is. If you go to the

embassy you get a person. I find it fascinating that they cannot get it

sorted. They fix it then, but then they go back to the previous

information for the next application and it just goes on. This no-fly

list, you can end up on that? Almost innocently? -- who can end up on

that? Anybody. And you will not know you are on the list until you get to

the airport, the final gate, and then they will give you a denied

boarding letter. You read all the way through, and right at the end

there is a little whine about no-fly list. This applies to not just

Turkey, but James wants to go to America. -- little line. You find

yourself on the list, and what can you do about it? Is it difficult to

get off it? Yes, because you need to go back to the source. The Turkish

Embassy seem to be using the American list. We don't know what it

is. Our gentleman has got to get off the American list, which is part of

Homeland Security. This is huge. Are you able to help him? I will try and

help him. I have a viewpoint is. But he needs to get hold of his MP and a

good lawyer. -- few pointers. That costs money. It does but you've

already started the ball rolling so hopefully we can continue it.

Ultimate solution? He could always deed poll. Changes name? Yes, but

that is a nuclear option. I would not want to do that, would you? No,

I would fight it. But maybe it is worth it, change it a bit in some

way. It is helpful advice you have given. It is wonderful you will help

him out. Thank you for joining us. Good news for you, James. But the

whole thing is extraordinary. I'm sorry we could not get any easier

solution -- get an easier solution. We had a great result for one of our

viewers at our pop-up shop yesterday. Angela can tell us all

about it. Our consumer clinic is growing by

the day. Lots of people coming down to get advice from a fistful of

great experts. Alex Neil is here, so is Caroline Wells and I'm delighted

to say we have Gary Rycroft, our solicitor, who has joined us again.

And Tim thinks he has been the victim of a scam, tell us about it.

Jim wanted somewhere to rent. He went on a website. He found

something which he thought was great. He was asked to get in touch

with the land of direct come he was asked to pay ?500 deposit, which he

did, then it went quiet. Until yesterday, what happened? Out of the

blue I was asked for my bank details to return the deposit, which took me

by surprise. I'm just looking for some advice. It set alarm bells

ringing? Absolutely. Everybody knows not to send them, isn't that right?

Definitely, do not give personal information to people who you think

might be fraudsters. Go to the land Registry. Check who owns the

property. It costs ?3 to do that. And why not get a reference from a

previous tenant? Has he lost the ?500? I'm afraid you may have done.

Sorry about that, Tim, but keep talking to Gary. Alex, I gather you

are looking into voucher websites, these websites which offer you

discounts and deals, why are you looking into them?

Thereof quite a few now, like Groupon, you can get a good deal.

And Christmas is coming up. There is a grey area coming up, if something

happens, you don't get the gift, it is faulty, who do you go back to? Is

it the voucher sites or is it the manufacturer, retailer in the

background? The think we would say to your viewers is always go to the

group site first and look at their terms and conditions. If it is a

high amount, over 100 p, usual credit card. We have had an e-mail

from to reason, who said she bought something using a voucher through

Groupon and couldn't get her money because it was a third party, but

eventually, Groupon did offer a refund but they went on to say in

cases like this refund is usually offered quickly but in this case, it

a customer service Eire, for which they have apologised. They need to

beef up their customer service. And for Rip Off Britain viewers, you

heard it here first, write to them. And we have Caroline from the

financial ombudsman. Sue, you have a question. Can you please tell me why

companies charge 2% when you are using a credit card? It is a really

good question. What people forget is that credit cards, it is about debt,

you are paying with debt, so there are a lot more checks and balances

that everyone involved in the transaction has to do, but you get

legal protection by using your credit card, so it is worth it. That

extra 2% perhaps can give you a bit more confidence and security in the

future. Thanks very much indeed, great advice as always here in the

pop up. Back to the studio. And it is great that we managed to get to

reason that refund. It is something we have managed a lot over the years

but it seems that some companies still need a gentle reminder about

what they have promised faithfully to do.

Earlier this year, in our holiday series, we told the story of Amanda

from Greenwich, who had been to Majorca on a trip that, for her, had

added significance. It was an absolute dream for me, because

having suffered various illnesses, hospital treatments, I had had no

holiday for approximately six years. But things didn't go to plan. When

she got there, the all-inclusive hotel she had booked with easyJet

holidays, who had arranged it through a third-party supplier, was

closed and though a simple note on the door directed her to another

hotel, it wasn't the same standard. I was annoyed at the fact that I

hadn't been contacted to tell me of any of the changes. I was tired by

that point and I had been on the go for about seven hours. When we later

contacted easyJet on Amanda's behalf, the company told us that as

a goodwill gesture, it would be refunding 15% of the cost of her

holiday. But despite that, Amanda didn't hear from the company again

and she didn't receive a penny, until, of course, she came back to

us. And when we chased easyJet, the company significantly upped its

offer, giving her a voucher to the value of ?150, which Amanda is happy

with. You sent a huge response to our

story about contactless payment cards a few weeks ago. Fraud expert

Gary Fenton conducted a very worrying experiment in which using a

freely available apple on his mobile phone, he was able to secure the

details from a contactless card borrowed from one of our team.

Show me how you do it. If you put the cards onto the table. The phone

just needs to harbour itself above the card and that is it. It took

less than half a second. Gary was only able to get hold of the details

from the front of the card, but that was enough for him to successfully

placed an order with Amazon, which does not require the security code

that is on the back. Why does a company like Amazon,

which must do millions of transactions, not ask for that

security number? That is why it is there. That is an important question

and I'm afraid you will just have to ask Amazon, I have no idea why they

are not doing the security checks. At the time, Amazon insisted it has

sophisticated and rigorous measures in place to prevent fraud and the UK

cards Association was confident that such a scam had never been carried

out in the real world. But we also demonstrated a simple way to keep

your card safe. The protective wallet you can buy for about ?1

online or from your local neighbourhood watch.

Right, nobody can read that now? It is completely protected so if you

wanted to make a genuine purchase, you would take it out of here and

use it, put it back in here and it can't be scanned.

Now, we said you are perfectly entitled to ask your bank for an

alternative card that doesn't have contactless technology built in, but

Margaret Cranmer, Stuart Johnson and Mike Bradley were among those who

told us that when they had tried to do just that, their bank told them

it just wasn't possible. So we made some calls to check. And while all

the main banks and building societies confirmed they would give

customers debit cards that aren't contactless, several of them said

they won't do the same with credit cards. Meanwhile, some of you has to

good old tinfoil would also help protect your cards to which the and

says, according to our experts, yes, this can work. -- the answer is.

However, it can come loose and care, whereas card wallets won't.

Richard Koch from Cards UK is here, along with technology expert David

McLelland. Richard, lots of people are worried about the security of

their credit cards and contactless cards in particular. They are right

to be so, aren't they? I don't think so. There are hundreds of

contactless transactions taking place every second in the UK. We

have looked extensively at where fraud is occurring and fraud is very

low, 3p in every ?100 spent is fraudulent and that is a level that

is going down. Maybe that is because you can only use the contactless

cards for very small amounts of money and maybe people aren't

noticing it? I think they do notice it on their statements and they

reported and the great thing is, you are completely protected. This is

not consumer's risk, they will get their money back if it is fraud that

occurs and it is very rare that fraud does occur. On this programme,

we are always talking about the way in which fraudsters are always one

jump ahead of everybody else and here is an opportunity where we can

be one jump ahead of the fraudster, by taking some kind of opportunity

to prevent that kind of fraud. So what you demonstrated, actually, is

you managed to capture what is on the front of the card. It is a new

way of capturing visible information but that information has always been

printed for the last 50 years, since cards have been around. What the

industry is working on very hard is to prevent you from being able to

use that to make a transaction. David, you are a great fan of

contactless cards? Yes, I use it a lot, on my watch, on my phone,

because there are additional security measures but I still carry

around, I got this for my birthday, shielded wallet. So my cards here

are possibly ??DELETE properly shielded from any skimmers. -- are

properly shielded. So you agree there is the chance of fraud

happening on those cards? It is not the highest risk, but good personal

security is good password security and that is the way we can keep

ourselves say. Are we moving to so many opportunities that we are not

going to need cash at all? I think it will be all change for loose

change very shortly indeed. Not for me, darling, I don't trust the darn

things. Thank you to everybody and to everyone who has been kind enough

to tell us how much they enjoy these live programmes. Karen Boothby says,

"I always enjoy your shoe, there is plenty of sound advice." So you may

be interested to know that Rip Off Britain is nominated this year for

national TV awards, so if you would like to vote for us or any programme

on the list, please vote for us, you can do so at this website. Yes, do

vote for us! I'm glad she said that. I am holding of the papers because

there are plenty of consumer stories. Lots of them are talking

about the plunging pound and how that is going to hit your pocket,

especially on holiday. And still on holidays, good news from the travel

company Monarch, it has just been announced that it has been saved

from going under. But a very worrying story in the Daily Mail,

some of the banks that refund customers PPI payments now reckon

they have made a mistake and are trying to claw some of that money

back. Let us know if that has happened you. I think that is

shocking. A few of the papers are also bringing up the first

driverless cars beginning trials on the road. The Sun predicts that

millions of Brits will lose their jobs to robots. Maybe that is ours

as well, you never know. More on that tomorrow. I am not a robot, I

think. All this week, famous faces had shared consumer secrets. Jeremy

Vine said he uses charm to complain, with mixed results, and Mark Hamill

revealed he comes from a family that uses coupons. Today, Naga Munchetty

reveals she is a savvy shopper, although not a super shopper.

She is one of the faces of BBC breakfast. This is breakfast with

Charlie Stayt and Naga Munchetty... Kept a cool composure in the

mastermind chair. Specialist subject, the Ryder Cup. And this

year, has swapped the newsroom for the ballroom. Dancing the walls,

Naga Munchetty... -- the vaults. With a background in financial

journalism, Naga Munchetty is used to telling us what to do with our

cash but the she put her money where her mouth is.

Do you reckon you are a savvy shopper? I think I am, I watch

prices, I think about the buy one get one free offer is that aren't

always necessarily value for money and I do use the Internet quite a

lot to make sure I am getting the best value, particularly big-ticket

items. I like to think I choose wisely. If you choose wisely, what

are the tips you would give to other people? I think you should do your

research. If you are buying something expensive, like a white

good, tumble dryer, washing machine, think about what you use it for,

because sometimes you have all of these bells and whistles and you

don't need them all. If I am buying a washing machine, I have lots of

delicate clothes, so I want to make sure that is its strongest point,

not the highest temperature or a washer dryer that is much more

efficient if I'm not going to use it. We all work hard for our money

and want good value, what are your tips to ensure we do? My tips would

be that if you enjoy shopping, do you really need it? People very

often don't need, they just want. And that is fine, but are you going

to use it? I buy things that I thoroughly enjoyed but I'm going to

use them. I have clothes that date back to when I was 20 but I still

wear them. When you are shopping, is it high Street or the web? I must

say, I hate shopping. I hate going to shopping malls, the Internet, I

would rather be on the golf course. If I am ordering something, I do it

all online, I never go into shops for the purpose of buying anything.

Shoes? Absolutely, you have got bigger, you have to try them on in

the shops. Your feet are valuable, don't mess with them. Naga

Munchetty, thank you. I am with her on the shoes. Lots of us have been

e-mailing us with your questions and here with us on legal eagle Gary

Rycroft and technology expert David McLelland, who has the first

question from Marion Roberts. It is the David. After seeing your house

scam story, and unencrypted computer, does it make it safer? Not

really, people sending things over the Internet is logging onto

wireless networks. Your computer can be encrypted but if you are sending

it in securely, it will still see it. And one from Gary, Kathleen

Bennett says she is trying to sort out her will and has noticed you can

get a free one. Are they as good as the ones you pay for? All that

glitters is not gold and I would be very careful of a free one. Making

your well is a big thing and important and a bit of a minefield.

My advice is use an expert, use a solicitor. You have best protection.

If you use a lawyer, they are regulated and ensured. -- ensured.

And I have an e-mail, you Angela, Jan Combs gets in touch and wants to

wish you a very happy birthday because she shares the same

birthday. So happy birthday to Jan and happy birthday to our lovely

Angela. Where is the case? Gary and David, thank you. I think we lost

sound a little bit during Gary's and sad but it is all back and we will

be back again tomorrow. Do keep watching and sending in your e-mails

and Facebook messages, because we really do love hearing your

thoughts. And your questions. And we are after plenty of those for

tomorrow's show when Lord Michael Grade is here in his new role of

keeping charities up to scratch. Let us now if you have been hassled by

over enthusiastic fundraisers. And Simon Calder, our favourite travel

expert, as we investigate how tens of thousands of holiday-makers have

had travel plans scuppered. That is where we leave it, loved your

company. See tomorrow, goodbye.