Episode 2 Rip Off Britain

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 [email protected]. 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