Episode 2 Rip Off Britain

Download Subtitles



Episode 2

Live episodes of the consumer series. A test reveals the alarming extent to which second-hand car dealers are leaving buyers exposed to dangerous faults.

Similar Content

Browse content similar to Episode 2. Check below for episodes and series from the same categories and more!



Now on BBC One it's time for Rip Off Britain Live.


And welcome back to our special week of Rip Off Britain Live,


where today we've been undercover in the second hand car trade.


With, I'm afraid, quite shocking results.


Wait till you hear how many of the places we checked may


And we're not talking about some harmless regulation either,


They're failing to pass on VITAL safety information you


We asked you to tell us what lefty feeling ripped off and you have


contacted us in your thousands. You told us about the customer service


that is not up to scratch. They just want to take money from people. That


is what it is all about. You asked us to track down the scammers. What


kind of person could do this to an innocent human being? When you have


lost out and no one else is to blame you have come to us to stop others


going through the trap. You have to go through various levels of


authority. We are here to find out why you are out of pocket and what


you can do about it. Thanks so much for all


the comments you sent us We'll be catching up


with some of them later on. And we hope you'll be equally quick


to get in touch today. You can do it right now by e-mailing


us at ripoffbritain@bbc.co.uk. Or of course you can find us


on Facebook at BBC Rip Off Britain. We really do love to hear from you,


and remember all of our investigations are sparked off


by the things that YOU tell us. So, it was your e-mails that sent us


out to test if you'll be told the right thing if you're buying


a used car. I think you will be surprised by


what we have found. We'll look at some of the tactics


used by retailers to spur you into spending your money that


bit faster - or risk missing out. And we'll be returning to a subject


we've looked at several Are some airlines STILL trying


to dodge their responsibilities We've news of a campaign


to keep them in line. Breakfast's Louise Minchin


will reveal her spending secrets. And we're tackling more


of your problems on the spot in our pop up advice clinic


outside in the piazza. Simon Calder will be


tackling your travel And he's standing by to


answer your questions, along with consumer expert


Martyn James. But before all that, get ready


for some crucial advice if you - or anyone you know -


is ever likely to be in the market Because after this next report,


chances are you'll know a LOT more about the rules on this


than the person who's trying If the second-hand car you are


buying had a fault which needed fixing, you would probably want to


know about and the dealers should tell you or even get it sorted. Very


often they do not. As Anthony and Mandy discovered after they upgraded


to a much needed bigger car. We had two new grandchildren and wanted to


take them out during the day and things like that. We could not fit


them in. We needed three main seeds for the baby seats and two other


seats for the man and me. We wanted something to take them out that was


safe to drive. Anthony saw a Vauxhall Zafira for sale. At the


back of Mandy's mind was that some of these cars might have had issues.


There was a recall on Vauxhall cars but I was not sure about the model


war anything like that. Is this the car with the recall is on? He said,


no. I said, that you or that make or anything. He said it is not that


model. I was trusting him as a salesman to tell the truth is,


knowing it was a family car that was being sold. The couple went ahead


and bought the car. Still not reassured, Mandy thought it best to


check the recall issue with the manufacturer. I gave them the


registration details and told them I had been sold the car. They said it


was on the list and was a recall. The couple could not believe they


had not been told about this before they bought the car. From driving


along normally to an inferno in a few minutes. Family cars bursting


into flames out of the blue. By 2014, with the issue making


headlines, Vauxhall admitted there was a problem with some electrical


components overheating in a number of the Zafira models. The company


recall the car for repairs in 2015 and then eight months later. With no


risk potentially so serious, you would think the dealer might have


wanted to let the couple no the car needed to be fixed or get it


resolved. It was frightening to think we had a car that was a


potential fire risk on our hands with children and grandchildren in


it. From that day forward, we never felt safe in it at all. Although


they send the card to a local Vauxhall dealer to have it fixed,


they were convinced the dealer they bought it from should have told them


it had an outstanding safety issue. Their requests to return it were


refused. He has said, if you have not had a fault as a result of the


recall being completed, there was no problem. That is not correct. The


DVS say is clear that under safety regulations dealers are obliged to


inform buyers if the car they are buying is safe and that includes


telling them about recall is. They told us that is the very minimum


that dealers should do and where possible dealers should get the


vehicle fixed. They are not the only people to have bought a potentially


affected Zafira about the dealer telling them the car had been


recalled by the manufacturer. Others had had the same experience. At the


time was not made aware of any outstanding recall is being made to


the vehicle. When I found out I contacted the finance company and


the garage to be told it was not their problem. Because of the


issues, the value has decreased significantly and therefore it is


not financially possible for me to do this. I felt misled about the


issues when I bought the vehicle and I am too scared to drive it with my


children on board. Although Vauxhall cannot know when or where they used


Zafira is being sold, it says it is working with independent use car


website so that when a vehicle is being identified as not having had a


recall it can try to get the dealer to be detained for necessary work.


Vauxhall told us that 80% of affected vehicles have now had a


second recall carried out. It describes as a final fix to the


problem and has apologised to customers for any distress caused.


It also stressed that safety is the main priority. It recommends an


owner who has not responded to a second recall to do so as soon as


possible. But any manufacturer, not just Vauxhall, can only do so much


to keep track of who owns the car once it has been sold on. One


manufacturer told us second-hand vehicles can effectively vanish into


a black hole. It is all the more crucial that dealers, who can easily


tell which cars are subject to a recall, do pass on that information


to buyers. In recent years, millions of vehicles have been recalled for


serious, perhaps even life-threatening, reasons with


affected manufacturers including Toyota, Honda and BMW. It just


underlines how important it is for used-car dealers to follow the rules


and disclose any outstanding safety recall. According to the chartered


trading standards Institute, if they do not tell you such vital


information which may influence a decision to buy the car, it could be


a criminal offence. Well, only the courts can decide that one. Steve


Gooding, director of the RAC foundation says this information is


needed by buyers to be known. Anyone buying a car is going to a


dealership because they expect a certain level of service. They


expect the vehicle to be roadworthy. That is rather than buying something


second-hand. They have a right to feel short-changed if they discover


there is something wrong with a vehicle, particularly if the vehicle


is subject to a recall and has not been actioned. To get a sense of how


widespread the problem this may be, we conducted our own test. There


were ads from dealers listing second-hand cars themselves. Then we


went to the website of the ombudsman where we checked which vehicle was


subject to a vehicle. That is something anyone in the market for a


second-hand car can very easily do as well. Once we identified 50 cars


that did still need a repair, we set about calling the dealers to see how


many of them would tell us that. Remember, the law says it is


something all of them should do. We had a truly staggering result. Of


the 50 second handcart dealers, only one told us the information we


needed to know. It has a safety recall. OK. What does that mean? It


is a recall and do need to go to the main dealer to fix it. Good on him.


We didn't stop. We went back to some of the dealers to see what they


would tell us face to face. There is nothing wrong with it but the


exhaust. We would not give you a warranty if there was something


wrong with it. Anything else I need to know? To be honest, it is all


standard. The same was true at the next place.


Sounds simple enough but not what we should have been told. At the final


dealer we visited, we were even more direct. None of these dealers either


new or willing to tell our team because we were asking about still


had potentially dangerous problems. Aside from the fact they may be


breaking the law, it means customers are left without vital safety


information which they need to know. Luckily there is another way to get


it. My advice to anyone buying a used car or thinking about buying a


used car is to have a good think about the model you are going to


buy. Before setting out to the dealership, have a look on the DVSA


website. On that website, you will find a fall register of all


recourse. When you go to the dealership, why not just ask for


evidence that the recall has been actioned? And invaluable resource.


No getting away from the fact that the responsibility for relaying this


kind of information lies squarely with the dealers. That is why the


couple were angry they were not given this information before they


bought the car. Definitely would not have bought it. No way. It is awful.


It is terrible. So sad. It is money down the drain.


We got in touch with the retail motor industry Federation which


represents various vehicle dealers, including used-car garages.


While stressing its members take manufacturers' safety


recalls very seriously, it's stressed that not every


recall necessarily means a vehicle is unsafe,


and the level of remedial work required depends on the precise


nature of any issue that a recall has identified.


But it's confirmed it would expect its members to inform


buyers of any safety matters they're aware of that remain unresolved


at the time of purchase, whether it was subject to a


And, of course, as we saw in the film that information


So, if WE could find it, it's hard to understand why


I know you will have a lot of thoughts about this.


As you did with the topics we looked at on the programme yesterday.


Not surprisingly, the biggest response was to our story


Jules McCarthy called it an eye opener


and Gary Philips tweeted to say he had no idea these


And Kim Bloom and Sally Rintoul were among those who e-mailed to say


they have elderly relatives who ended up with sky high charges


for calls they either don't recall making, or that they believe were


On the same topic, Lawrence Heasman reckons it would be


simple for the regulator, Ofcom, to set a maximum charge


Ofcom has launched a review into the cost of these calls.


And, in the meantime, the company behind the 118 118 number


does have a freephone alternative if you don't mind listening to an ad


- a small price to pay to avoid the initial ?8.98 charge.


And BT too has a lesser-known 118 service with a flat


Although one person got in touch to say it is so little known that when


they asked BT about it, the person they spoke to had not heard about it


either. Very helpful! Meanwhile, as the fall-out


from last week's ransomware attack rumbles on, some


of you have sent in advice Peter Casaru, whose son runs


a computer repair shop in Brecon, echoes the advice we gave to back


up your files to an But he adds you mustn't leave that


back-up drive plugged into your computer, or it


too may get infected. Only when an infected machine has


been wiped clean and the software reinstalled should you put


everything you've backed-up back on. Well, do please keep


your comments coming! It's what YOU tell us that


determines everything we talk So, while I'm afraid we can't


include all your e-mails, I promise you we really do read


every single one. We have all got our fingers crossed


that summer is not too far away and if you are planning a holiday this


year, it is worth knowing that flights from some of the UK's


busiest airports are twice as likely to be delayed as they were five


years ago. But we know from your e-mails that -


if that happens - the airlines DON'T always stick to the rules on how


you should be treated. I am joined by two people who know


their stuff when it comes to travel. With me are our travel expert,


Simon Calder, and Pete Moorey from the consumer


organisation, Which. Pete, Which has launched


a campaign on flight delays, which presumably is because you're


expecting so many people to once Why is it likely to happen again


this year? The airports are becoming busier and with that comes more


delays. The last thing any of us want as we are thinking about


holidays is getting to the airport and finding we have got hours of


delays. That is why we are running this campaign. We have looked at


flight details over the last few years, 2 million flights came in and


out of the UK last year, 10,000 of those flights would you compensate


because they were delayed by more than three hours, that is the


critical information people need to know. If your flight is delayed by


more than three hours, you may be owed compensation. Too many people


find it complicated to get the compensation and they do not know


how to go about doing it. It is complicated, Simon. A lot of the


compensation only applies if you are in Europe and using the Europe


-based airline. America, you will be lucky! Let me run through the rules.


It depends on whether you are three hours late arriving and not


departing, they can sometimes make up time. It depends on the length of


the flight, up to 1500 kilometres, 250 euros, medium length flight,


400, a long flight, 600. That is reduced to half if you are between


three and four hours... Already too many facts and figures! Crucially,


coming back, it only applies if you are flying from somewhere outside


the EU, Florida, to buy, only applies if you flying on an EU


airline. The compensation airlines hate they have to give away the


money so they will do everything they can to stop you -- the


airlines. You have to fight it. I was on a flight last week with


Ryanair. They sent an e-mail saying here is a letter for your insurance


company. I said, no, I am going to claim from you! There is a lot of


information, is the one place we can find all of this? We have heard


people find it confusing and complicated and also if they claim


in the wrong way, the airlines will try to pull the wool over your eyes


and not give you your money. That is why Which? has taken the stress out


of the situation. If you go to the Which? website, you can use our


template letters. You need to put in the details of your flight, the


delay, we create the letter. Send it to the line and you should get your


money back. We hope that if you go away this year, you get the macro on


time. Now you know what to do about it. Get in touch with us and we can


see what we will do. Thank you, both.


Next, it's not always just price that determines


Sometimes retailers may employ gentle persuasion to suggest that


if we don't do it straightaway, it may be too late, as one


David loves his gadgets. Do I need an umbrella today? No rain is


expected in London today. The 80-year-old from London knows his


tablets from his tweets. I am fascinated by modern technology and


I just like to do more and more, if I can. The technology I have got at


the moment is just the tip of the iceberg and there is so much more to


explore. It is unbelievable. Last Christmas, David spotted this


newspaper offer for a virtual reality headset from Vodafone for


the bargain price of ?9, available while stocks last. I heard about


virtual reality before but I just wanted to see what it is all about


and have a go. Not wanting to miss out on such a good offer, David


headed to his local Vodafone store. It was the first day of the offer,


it was only for two days. By the time I went in the afternoon, it was


all gone. Despite getting to the store on the day the promotion


began, David was told the goggles they had in stock had been sold. I


asked the manager, it is not fair I came all the way and she said, I am


sorry, we only had ten for this store for two days. So he left the


shop empty-handed and disappointed. When we contacted Vodafone about


David's experience, they told us, some stores will always sell out of


the allocated promotional stock faster than others. Although in


fact, overall for this promotion, there was no shortage and not all of


the devices set aside were sold. In situations where all the in-store


stock has gone, customers can order online with free delivery, they


added. The expression whilst Ochs last is common practice across the


industry -- while stocks last. It is the job of the chief executive of


the Advertising Standards Authority to ensure customers are getting the


full picture of what is really available and that companies are


following the rules. One of the things they can do is they can make


a reasonable estimate of the likely demand for an offer that they are


named and make sure they have enough stock to satisfy the demand. That is


only fair because people are sometimes making a trip into town to


the shop to try to redeem the offer and they do not want to waste a


journey. The ASA will act swiftly if they come across any retailers who


are not complying with the regulations. A good example of a


promoter getting it wrong when estimating demand was Morrisons in


2014. They were doing a wine offer and on the first day of the


promotion, some of the stock was running out. We did not think they


had made a good enough estimate of the likely demand and provided


enough stock to satisfy it and we published a formal ruling telling


them to take more care in future. Ultimately, we can refer them to


trading standards and trading standards can prosecute and find


under consumer protection law. Cynics might say that while stocks


last is a marketing gimmick to persuade us to buy more quickly or


risk losing out and companies have other clever ways to convince as to


hurry up and spend our cash and it is these tactics Guy says we need to


watch for. You can look at whether they are running the same sort of


offer the same time and if they are, it might be a clue this is a trick


to hurry you into responding to the offer or a trick to make you feel


the offer is better than it is. That is not fair, it is against the


rules. In Macclesfield, housing trust peaks and planes organise


drop-in sessions for digital skills. Today they will be highlighting some


of the tactics used to encourage us to buy things. The classes are run


by a specialist consultancy in web technologies. The person sitting


next to you can help and guide you as you go. Chris is heading the


class and he is keen to focus on the perils of online shopping. There is


quite a lot of nudges that organisations and big retail


companies use to encourage people to buy things like limited


availability, limited duration, and we will effectively show them those


and help them understand what they are trying to encourage them to do.


First, Vera is looking at kettles from Amazon. When she sees a note


saying only one left in stock, order soon, she is feeling the pressure to


make the purchase fast or risk someone else beating her to it. The


way the industry describes it is persuasion design. If you know


someone wants to buy something, you can introduce things that might


encourage them to buy quicker. Hotel booking sites often used similar


techniques. Two other people are looking at this right now, they are


trying to get you to make a snap decision, it has been booked for


macro times in the last day. Trying to encourage you to make a choice,


when you would normally go and have a cup of tea and think about it. You


should be able to browse without being prompted to buy and come out


without being compromised. Hotels .com told us the wording on the site


is based on current data and it believes customers find the


information useful for making informed decisions. We also protect


Amazon the words order soon might push people into making a hasty


purchase but the company chose not to comment -- we also put to Amazon.


David will definitely be more cautious about rushing to take up


any offer in future. I was so annoyed with my experience, if I saw


an advert again, while stocks last, I will take it with a pinch of salt


and I will not take up any more special offers.


Well, he may have missed out on the offer, but Vodafone has now


sent David the virtual reality headset he was after.


Looking at today's papers, there's still lots more


on that cyber attack, with the FT highlighting the dilemma


for big businesses who need to choose between keeping


their operations going round the clock or stopping everything


And the Mail is highlighting how much money is raked in by speed


cameras on roads with variable limits, typically on motorways,


where the limit often changes to help with traffic flow.


?20 million is the total, with 4 million of that earned


by just one camera on a stretch of the M4 between junctions 19


I know it well. None of that 20 million came from the!


The same paper says we throw out a staggering ?80 million worth


Households typically bin 1.4 million perfectly edible ones each day


simply because they're a bit bruised.


To tackle that, supermarkets will apparently be advising shoppers


on the best ways to use them rather than chuck them away.


Cook them! That is too much wasted fruit.


And it just underlines that while the big stores come


in for a lot of stick over food waste, most of it happens


Every home should be issued with a goat!


Every morning this week, our team of experts will be


grappling with more of your problems in our pop-up advice clinic.


And Gloria's out there now to see how they're getting on.


I love it out here. I talked to a woman from Wales who has come just


to experience this. We've a couple of thorny issues


out here this morning - both of them to do with travelling


abroad. First off, Simon Calder


is here with Bill Bucknell, who contacted us unhappy


with the price he paid You went with your son and


daughter-in-law. They had a normal cabin, with bunk beds for the


children. I booked a single cabin. It only had a single bed. I got


charged 48% supplement on what they paid per person. I just think that


is penalising the single person unreasonably. Why were you in a twin


room? I wasn't. They were. They had one bed out, one bed was in? Single


cabins with one single bed. What do you make of that? There are more


single cabins on the cruise liners to reflect more people like Bill


travelling on their own. The cruise says it is not a supplement, you


have got a very in demand cabin, bigger bed than normal, two thirds


the size of a twin room and the usual facilities. The reality is the


cruise business is designed on the basis of all of the ships will be


full all of the time. If there is only one of you in a cabin, you will


not be praying all of the tips that are almost compulsory these days,


you will not be spending money on expensive alcohol, you will not be


taking excursions. What do you make of that? I would disagree with that.


They get tips, whether you are single or not. They would get twice


as much if there was two people in the cabin. I have no problem with a


supplement and they called it a supplement for occupying a twin


cabin on my own. You will have to fight this out. You will not get


much sympathy! Expedition ships going to Antarctica and they will


often give you... I do not think the industry will change. I am sure


there will be people watching who will agree with Bill on this issue.


I will leave them chatting. Here we have Martin James.


She went away to Tenerife and kept receiving calls from a number


She didn't answer them, but when she got home,


she saw she'd been charged as if she had.


And there's a very simple explanation why, isn't there?


I was really surprised. And a bit outrageous. It turns out what has


probably been happening is she has been receiving voice mails and even


though she has not been picking them up, she has been hit with charges


and the charges are not obvious. Even if I switch off my phone, I


still would pick up the messages? Potentially so. Phones can be


different. It can be tricky to know if your phone is off. The safest way


is to turn off your phone for the entire trip or get a new SIM card.


You are saying there is no clear-cut answer? No. There needs to be


something done because the regulations could be tighter. I will


get onto this. Good news for Linda. with her phone company -


as a gesture of goodwill - I'm sure a lot of people will have


been caught out with that one. All this week, we'll be catching up


on some of the stories we've And here's the latest


on a couple more. Earlier this year, on our Holiday


series we met unhappy customers of the travel company, Diamond


Holidays. John Essex, 86 at the time, chose to book a coach holiday


for a weekend break to London last year. The company's website looked


impressive and professional foot it looked like a good deal, a great


price. Months later and two weeks before they were due to go that they


were finally sent the itinerary for the trip, only to spot the coach


journey from Brighton to London would take a whopping six and a half


hours. From Brighton to London is 58 miles. The way the holiday company


would take us would have been 170 miles. It is three times the


distance and three times the amount of time. John and Stephen tried to


ask if they could travel by train instead. That failed and they asked


to cancel but they were told if they did, they would lose their money. I


told them I was 86 and registered blind but they were not interested.


After showing their story with as they did get their money back. After


our original report went out, we continue to hear from people unhappy


with Diamond Holidays. In March, the company announced it had gone into


administration due to financial difficulties. The plans for 16,000


passengers were scuppered. As the company's passages were protected by


ABTA it is expected they will all get their money back. Last Friday we


reported on the growing trend for new-build homes to be sold leasehold


rather than freehold. It means owners have to pay an annual fee to


lease or rent the land which belongs to someone else, usually the


developer or another third party. In many cases, that fee can double


every few years, a fact that many purchasers say was not made clear,


including Lisa from Merseyside. We had no inclination at the ground


rent would increase, never mind double and continue to double every


period of time. It has just been a lot of worry. In Lisa's case, the


?250 ground rent with double every ten years if she stays there for 30


years, she would be paying an annual fee of ?2000. It is really stressful


and has made us worry about our future, financial security and how


we will get our kids to university. The original developer of the estate


said whilst it believes the terms of the lease were set out clearly and


simply and buyers received independent, professional, legal


advice it was putting right difficulties faced by customers


because of this. It is converting these doubling leases to ones which


are significantly less expensive and, in the future, will now only


sell the homes of freehold for the is good news many but will not help


Lisa and their neighbours. Their leases have been sold on to another


company. There are plenty of other developers selling homes in this


way. That is why there are growing calls for action to tackle this


right across the industry. Well, we had a huge response


to that item last week, with lots of frustrated homeowners


getting in touch. And I'm joined now by Paula Higgins


from the campaign and advice group Clearly, we've touched a nerve on


this. Leasehold has been around for a long time and it is justifiable if


you are buying a flat and need to share costs. There is no reason for


this with houses. The only reason this to make money out of it. And


making a lot and increasing amounts judging by what we saw. Yes. Rights


are not there. People are not aware of one of the biggest problems is


when people buy a leasehold home and they think they can buy the


freehold, they find it has been sold to someone else who is looking to


make as much money as possible. Does the small print save the owner of


the freehold has the right to up the amount they will charge? It is set


in the lease. It will say if it is a doubling of ground rent or whatever.


The owner of the freehold can charge extra charges for things. ?100 to


put in a request or something like that. That is where people get


stuck. With a freehold home you can be charged thousands to convert an


extension or a room. What happens if your developer sells up to someone


else? That is where it is difficult. If you have a leasehold flat you


have the first right to refuse, you have the right to buy the freehold.


That does not happen with leasehold houses. The law needs to be changed.


At some point you said people should look out for themselves make sure


they read the small print. Should they be taking specialist advice


before they agree to sign on the line? People should not rely on


this. They should get an independent solicitor. That might be why some


people have the problem they do today. It is a big purchase and they


might regret it later on if they get it wrong. Thank you very much


indeed. Good advice. I am sure people will be taking that.


Well, a lot of people are using the word scandal


We'll keep you posted on what happens.


Next today though, we've the consumer confessions


Today it's the turn of a face you'll normally see on the Breakfast sofa.


But as you'll hear, she has another string to her bow.


Millions of us are used to waking up to her on the BBC breakfast sofa


every morning. France has elected Emmanuel Macron as its next


president. As a presenter and journalists, Louise Minchin gets to


interview some of the most famous faces in the world. You are tired, a


little bit jet-lagged. What you might not know is that she is also a


successful triathlete, who has represented Great Britain in the


World Championships. When it comes to all things consumer, what are her


top tips? It is great to see you on the set of Breakfast. It is lovely.


I normally get up at 3:30am. This morning I got up at 3:40am. Getting


up at that time, do have any energy left for shopping? I do not know how


I would cope without the internet foot if I shop online for food,"


things my daughter's School, so much time is saved by looking something


up and doing it that way. You have worked for a long time on Eat you


and yours on Radio 4. If you have a complaint with a product, it is


worth sticking with it. If you have a problem, chances are someone else


has as well. We were offered compensation after we have problems


with a holiday for that this is what they offered us. Where we happy? We


went back to them and had a negotiation. It can be brave to do


that and say, if you are not happy, put your hand up and say something.


You are someone who likes a bargain as well. Money was quite tight, so I


was always looking for a bargain. If the bicycle cost ?200 and this cost


50 and has two wheels and this has two Mo wheels, I would buy the one


at 50. I will always look at price will do in the supermarket I would


think, this loo paper is ?1.19 and this is ?1.08, I will have that one.


I just think every pound in every penny, it all matters. It does.


Thank you a much indeed. I am with her on that point of choice. She


represented the country, represented Great Britain. Talking of superfit,


we are joined by two superfit gentleman.


Lily asks if paying with a debit card has the same cover as paying


with a credit card? It is often recommended to pay with a credit


card when booking a holiday but debit cards are free. We know that


paying a fee can sometimes be off-putting. Paying with a credit


card does provide you with extra protection than direct debit. Our


advice would be comic use both of them rather than using bank


transfers. There you have no protection at all. If you ask land,


you will lose out. Using a credit card will provide you with some


extra rejection. It is wise when you are making a big purchase. Alison


was listening to the conversation we were having earlier about delayed


flights will. She said she was on a delayed flight, over five hours. The


airline agreed to pay compensation. She was told she would get the money


in 14 days but a month later she has not got anything. I would write a


friendly letter saying if she does not here in seven days, it she will


be asking her solicitor. I did not make it absolutely clear the airline


does not always have to pay out if it is something like a security


alert which closed Leeds Bradford Airport or strikes or whether, they


do not have to pay but they do have to look after your provide you with


meals and, if necessary, accommodation to get you to a need


to be. If fraudsters are trying to steal money from your accounts, why


can't banks direct police to the fraudsters? That is a really good


question. I think bank should be doing more about this. As I said


earlier, if you pay by credit card or debit card to a scammer, you can


get your money back. Thank you for coming in again to


raise dash today. But we'll be here again tomorrow


when we'll be looking at the dramatic rise


in pension fraud. We'll hear how the money some people


had saved for years has And we'll have advice to stop


the same thing happening to you. Plus, are those smart meters we're


all being told to install quite


A test reveals the alarming extent to which second-hand car dealers are leaving buyers exposed to dangerous faults that haven't been fixed.

Plus the leasehold scandal that has left tens of thousands of new homeowners stuck with charges that even developers now agree are unfair, and the team exposes the tactics some online shopping sites use to make us think we need to order in a hurry.

And, with airlines still not always following the rules when flights are delayed, there is advice to make sure you don't end up out of pocket if your journey hasn't gone to plan.