Episode 13 Watchdog Daily


Episode 13

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Hello and welcome to Watchdog Daily. We are with you live for the next

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45 minutes. This morning, hospital parking - charges of up to �35 a

:00:35.:00:40.

day for patients and visitors. Where does all the money go?

:00:40.:00:44.

NatWest and RBS - why going over your limit with them could cost you

:00:44.:00:48.

more than a payday loan. And misleading ads. Why this Amazon

:00:48.:00:52.

claim has been banned. Also in today's programme, our consumer

:00:52.:00:58.

cops are on the hunt for inaccurate petrol pumps and airport scales.

:00:58.:01:04.

on there, 29.3, way outside the tolerance... How often do the

:01:04.:01:09.

machines get it wrong? First, hospital parking - if you

:01:09.:01:13.

are a patient or a visitor, how much do you have to pay? Well,

:01:13.:01:17.

we've been investigating and have discovered it can cost you up to

:01:17.:01:22.

�35 a day to leave your car. In fact, hospital Trusts are raking in

:01:22.:01:26.

more than �100 million a year with parking charges. Where's that money

:01:26.:01:31.

going? Believe it or not, some of it is ending up with private

:01:31.:01:39.

parking companies. A recent survey by Macmillan Cancer Support reveals

:01:39.:01:44.

that 45% of people are stressed or worried about the costs of hospital

:01:44.:01:50.

pashing in parts of the UK at least. In Scotland it's free -- parking.

:01:50.:01:52.

In Wales there are only two hospital boards that still charge

:01:52.:01:56.

and in Northern Ireland the most you would pay for a 24-hour stay is

:01:56.:01:59.

�11. But in England, it's a very different story.

:01:59.:02:03.

Some of the charges at the moment are far beyond what anyone should

:02:03.:02:06.

reasonably be asked to pay in a service that should be free at the

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point of use and we are really concerned that's having a financial

:02:11.:02:14.

impact on the patients and relatives having to visit loved

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ones day after day and who've been charged an incbl amount to do so.

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So just how much can it cost? -- incredible amount. We contacted 190

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Hospital Trusts and health boards across the UK. Of the 152 who

:02:29.:02:34.

responded, 129 charge for parking. The highest hourly charge was

:02:34.:02:39.

Chelsea and Westminster hospital at �3.50 for the first hour. The

:02:39.:02:45.

lowest was in Totnes Hospital in Devon where it's 40p for the first

:02:45.:02:49.

hour. If you have to stay overnight and park for 24 hours, you could

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pay as little as �1.50 in Alder Hey Children's Hospital in Liverpool.

:02:54.:03:01.

Whereas in London, you could pay a staggering �33 at Kings College or

:03:01.:03:06.

�35 at Chelsea and Westminster. But, as patients are spending money,

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hospitals are saving money by treating an increasing number of

:03:10.:03:14.

people as out-patients. Over a six week course of

:03:14.:03:17.

radiotherapy, tpwhecked saving up to �6,000 if the patients don't

:03:17.:03:23.

stay at the hospital overnight -- they could be saving. We don't

:03:23.:03:26.

think people going for life-saving treatment should have to pay for

:03:26.:03:29.

parking in a hospital and cancer patients are often going daily so

:03:29.:03:33.

if you are paying for car parking every time you go to a hospital,

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you are racking up substantial charges. Carol is one such patient

:03:39.:03:46.

who requires regular streement treatment. I've been disabled since

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I was eight months old. I can't just leap on a bus like a lot of

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people can so I do have to take the car. Sometimes you have to be there

:03:54.:03:56.

a long time, depending on the treatment you are having and

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pashing fees can mount up. There's that side of things, as well as the

:04:02.:04:07.

anxiety of the actual viz to it the hospital. At a time when people are

:04:07.:04:10.

feeling the pinch anyway, this additional financial burden makes

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it that bit harder. What really concerns us is the postcode lottery

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that exists in parking. If you live particularly in a Metropolitan area

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like London, Manchester or Liverpool, you are likely to pay

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more than you would in other areas. We'd like to see the Government

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step in and define what a reasonable charge is for parking so

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patients in certain areas aren't paying extortionate fees. But so

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far, the Government's done relatively little to help patients

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in England. And in many areas, fees are going

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up. According to the results of our Freedom of Information request, in

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the last two years, over 50 hospital Trusts have increased

:04:50.:04:55.

their parking charges. What we know and what patients tell us is that

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some hospitals haven't followed the guidance and are still charging

:05:01.:05:04.

cancer patients. We'd like hospitals to actually take this

:05:04.:05:08.

seriously and comply with the guidance and we'd like the

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Government to look at how we can encourage compliance with the

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guidance. Carol agrees. Her hospital, west

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Middlesex, used to offer free parking to the disabled. This

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stopped several years ago and she's been paying ever since. I was

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absolutely livid that they could do this to us. People in Wales have

:05:31.:05:36.

been told they are not allowed to charge for parking at hospitals and

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Scotland aren't allowed to park and here they have the choice and what

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do they do, put it on where it wasn't before - terrible. Some

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hospitals offer concessions to people with long-term conditions,

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but recent research shows that almost 60% of patients are still

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paying the full price. Hospitals do not have a duty to tell you about

:05:56.:05:59.

the concessions available to you. We have people all the time that

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tell us if they'd known they could have had free parking or reduced

:06:02.:06:07.

parking over time, they would have taken that option up. They need to

:06:07.:06:10.

know if free or reduced parking is available so they can properly

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assess the best options. Hospitals are generating millions

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of pounds in parking fees from members of the public. But where is

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all this money going? Well, off the Hospital Trusts and health boards

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that responded to our Freedom of Information request, more than a

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third used private companies to run their car parks. Many refused to

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tell us exactly how much of the money generated went to these

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companies, but five of the hospital Trusts and health boards did and

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revealed that rather than put the money back into patient care, all

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fees for parking in five of their car parks simply goes to the

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private parking company. The car park at west Middlesex is

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also run by a private firm. National Health Service, to have a

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car park that's run by a private company, it's making profits o us

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of people that have to go to hospital for whatever reason, not

:07:02.:07:05.

just because you are disabled but if you are sick or visiting people

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that are sick. I think that's so wrong that they should make money

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out of the fact that people are suffering.

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Carol's hospital, the west Middlesex told us its fees do offer

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value and the money is used to maintain and improve its car parks.

:07:20.:07:25.

They say concessianary parking and other good transport links are also

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available. The Department of Health says patients have a fundamental

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right to fair and appropriate car parking concessions and it expects

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Hospital Trusts to provide them and set fair prices. What have the

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hospitals said, Rani? The Chelsea and Westminster Hospital says it's

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frozen charge force the past five years. Money raised support for

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patient care. Concessions are available, as they are at Kings

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College which has one of the highest overnight fees. It says

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charges have not increased for ten years and they use the money to

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maintain and improve facilities. As for the other hospitals, Liverpool

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Heart & Chest do not manage the parking contract. Birmingham

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women's say their car park is shared with other Trusts and say

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charges is in line with other hospitals. Full statements

:08:20.:08:30.
:08:30.:08:39.

available on the website. You can Next, if you're buying a pint at

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your local, filling your car with petrol or weighing your baggage at

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the airport, you will want to be sure that the pumps, dispensers and

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scales are pinpoint accurate. We can't check the equipment ourselves

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but thankfully the consumer cops can do it for us. Here is Chris

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Jackson. Welcome to the north-east. From airport check-in desks to

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garage forecasts and shops selling fireworks, there is every gadget

:09:10.:09:14.

needed here to ensure consumers get what they pay for. That's just as

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well, as there are a lot of places to check.

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In Newcastle, officers Alan and technician Steve are responding to

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a call about a diesel pump in the west of the city.

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We've received a complaint about this specific pump that we are

:09:31.:09:41.
:09:41.:09:42.

going to have a look at today. With the cars, the way they are these

:09:42.:09:46.

days with computers, you get an indication from the read-out of the

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car as to what you get, so he's disagreed with that and formed the

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impression that he's received short measure. With rising fuel prices,

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the last thing drivers want is to be short changed, so the officers

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need o be sure this pump's dispensing the amount it says it is

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-- need to be sure. Afternoon, from Trading Standards, weights and

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measures. We have had another complaint about the diesel pump at

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the end. Alan and Steve have brought with them add state-of-the-

:10:17.:10:22.

art gadget known as pump watch. This has been carefully

:10:22.:10:28.

collaborated to accurately measure 20, 10 and five letter volumes.

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This will tell us whether it's in the tolerances levels under the

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weights and measures act. If it's correct, the pump should measure

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between 0.5% below or above the levels stated. If it's wrong, the

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owners will have to get it fixed. Steve is dispensing the fuel into

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the measure. He's done the first 20 now, a fast delfrifplt we pull this

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lever down and the fuel will fall into the graduated tube -- delivery.

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That's a strike measure of exactly 20 litres. It's well within the

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tolerances that are allowed under the regulations. So far so good.

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But Alan and Steve won't be satisfied until the pump's been

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checked and rechecked five times in total.

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The indications are well within the tolerances that are allowed. After

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pouring all the diesel back into the tank, Alan gives the concerned

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attendant the good news. It's measuring how it should. Thank

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you very much for your help. Cheers. Now my task is to go back and

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telephone the complainant and say, from our findings, there's no

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problem with the pump. The garage forecourt is just one of

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the places on the weights and measures' team checklist. Nairpt is

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another. Here, they perform checks to make sure the 12,000 passengers

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flying out every day are not being overcharged for their baggage --

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Newcastle airport. Alan's drafted in a bigger crew and even more

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extensive range of collaborated weights and measures. The team work

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closely with the city Council Trading Standards airport. Our aim

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is to make the customer's experience as smooth as possible

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and make sure that the weighing machines on the check-in work is a

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critical part of that. With the help of airport maintenance, Alan

:12:29.:12:35.

and his team begin the test. They place 30 kilogram weights on to

:12:35.:12:38.

each conveyor belt. We are looking for the indication to be exactly

:12:38.:12:43.

the same as the weight wes know are on the platform. It takes at least

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ten minutes to fully check each machine and after the first hour,

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the team have found nothing to concern them. Then they arrive at

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desk 34. We are 30 now, but 29.3. It's 0.7 of a kilogram, which is

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way outside the tolerance. For the time being, this check-in desk is

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declared out of yuets. important thing for the people

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waiting is that the baggage will be weighed accurately -- declared out

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of use. We don't want to cause any unnecessary delays but it has to be

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tested and it will take as hong as it takes. The pressure is on for

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airport maintenance to fix the machine while Alan is present -- as

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long as it takes. We'll give it another test. If it's incorrect

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again, we'll take it out of service. While the engineer attempts to find

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the source of the problem, the team crack on with testing the remaining

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45 desks. It takes a further hour, but the maintenance workers are

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confident they finally got to the bottom of the issue, a mystery pen.

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This is the pen we found. The weighing platform was on a rail and

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the rail running that way was resting on this pen. That's been

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cleared and the machine's been tested again. It looks fine, so we

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can fairly safely assume that that's been the problem and that's

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been cleared now. Over the course of the day, Alan and his team

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discover two more faulty desks. These problems were actually caused

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by the desks being positioned too close to one another, so easily

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fixed by separating them. By the end of the day, all 49 desks

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were back in service and, most importantly, working properly.

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Thanks, Chris. We should stress that the scales there were the

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responsibility of the airport, not any individual airline. Lots of you

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getting in touch about hospital parking. Sonia from the Midlands

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says my husband spent nearly ten weeks in hospital, he was seriously

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ill and spent all my time with him. Parking at the hospital cost �2.60

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per hour and I spent �180 over his stay. I realise hospitals need

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money but this is scandalous. Thanks, Rani. Next, have you ever

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gone overdrawn with your bank? If so, you will know that the charges

:15:07.:15:11.

can be crippling. In fact, we've discovered that going over your

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agreed limit with some high street lenders could prove even more

:15:14.:15:18.

expensive than taking out a payday loan. So which of the banks

:15:18.:15:22.

penalise the customers most when it comes to overdrafts? Our mystery

:15:22.:15:32.
:15:32.:15:40.

Seen an ad for a bank account lately? Chances are it included

:15:40.:15:43.

fancy extras like free mobile phone insurance and car breakdown cover.

:15:43.:15:47.

All very well, but the so-called packaged accounts also come with

:15:47.:15:51.

hefty annual fees that can sometimes outweigh the benefits.

:15:51.:15:55.

That's why savvy customers opt for free accounts instead, trouble is,

:15:55.:16:02.

these can end up costing you too. Ask Steven MacDonald. He uses Bank

:16:02.:16:07.

of Scotland and has an agreed overdraft of �100. I bank with the

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Bank of Scotland and have an arranged overdraft of �100. Money

:16:11.:16:16.

gets tight at the end of the month so it helps if you have the

:16:16.:16:22.

overdraft. I was cles to the start of the month and hadn't noticed I

:16:22.:16:29.

went overdrawn -- close to. Stephen fell into the trap of the

:16:29.:16:33.

unauthorised overdraft, when you go over the amount agreed by your bank,

:16:33.:16:43.
:16:43.:16:45.

when they can charge you. He went overdrawn by �.72. Stephen's charge,

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�110. Each day they charged me twice as much as I was overdrawn by.

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I was gutted because it was only four months before Christmas and

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can take a normal person a long time to get back on their feet

:16:59.:17:03.

after that. Millions of other customers are also feeling the

:17:03.:17:08.

pinch, including those who stay within their agreed limits. Some

:17:08.:17:13.

banks are charging the highest rates on authorised overdrafts

:17:13.:17:16.

since rates began. Depending on which one you are with, how much

:17:16.:17:21.

could you end up paying? Our team checked the rays for eight

:17:21.:17:26.

of the main high street banks. If we made one single transaction that

:17:26.:17:31.

took us �100 into an agreed overdraft, what would it cost us

:17:31.:17:36.

over 31 days? RBS, the first �100 you have got is interest free.

:17:36.:17:43.

There is a monthly fee of �6 plus interest on top of that. NHBC is

:17:43.:17:46.

interest only. As the Annes weren't exactly straightforward, our

:17:47.:17:50.

mystery shoppers called for some help.

:17:50.:17:52.

Enter personal finance guru Sarah Pennells.

:17:52.:17:56.

The best value planned overdrafts are NatWest and RBS. They are part

:17:56.:17:59.

of the same banking group and there, if you have asked the permission

:17:59.:18:03.

beforehand and you go overdrawn by up to �100, you will pay nothing at

:18:03.:18:07.

the end of the month. That's really good. The next best value accounts

:18:07.:18:10.

are those that only charge you interest if you have a planned

:18:10.:18:15.

overdraft. With HSBC, you would pay as little

:18:15.:18:21.

as �1.5 interest for that 13070 for 31 days, and with Barclays, just

:18:21.:18:25.

�1.51, but where it could work out the most expensive is with the

:18:26.:18:29.

banks that charge a daily fee, that's because it's not about how

:18:29.:18:32.

much you go overdrawn by but for how long. Some banks cap the number

:18:32.:18:37.

of days they'll charge the fee but others don't. Halifax will charge

:18:37.:18:41.

you �1 for every day you are overdrawn, so you could pay �31.

:18:41.:18:47.

Yes, in our test, it's Halifax that's the most expensive for

:18:47.:18:49.

authorised overdrafts. What about the fees for exceeding

:18:49.:18:55.

your agreed overdraft? Our team found these charges to be sometimes

:18:55.:18:58.

complicated, often confusing and usually more expensive. The

:18:58.:19:06.

question this time - how much would it cost to go into an unauthorised

:19:06.:19:10.

overdraft for 31 days? If you are overdrawn by more than �6, you will

:19:10.:19:17.

pay �6 a day. Halifax do things differently don't they? A daily fee

:19:17.:19:22.

of �5. Santander? They charge �5 per day for unplanned overdrafts.

:19:22.:19:27.

We found the bank charging the lowest fee for going �100 overdrawn

:19:27.:19:32.

without permission is HSBC. As well as levying interest, it charges a

:19:32.:19:38.

�25 arrangement fee, bringing the total bill to around �26.55. But it

:19:38.:19:43.

will waive that if you stay out of the red for six months, meaning you

:19:43.:19:49.

could end up paying just �1.55. In contrast, the most expensive banks

:19:49.:19:56.

were NatWest and RBS, both charging us a whopping �186 for exceeding

:19:56.:20:01.

our limit by just �100. These charges vary widely but what

:20:01.:20:04.

they have in common is that they are all quite high. I think people

:20:04.:20:08.

should really think carefully before they go overdrawn without

:20:08.:20:13.

asking their banks' permission. could think very carefully because

:20:13.:20:17.

the penalties from some banks are so high, they can work out more

:20:17.:20:23.

than the interest rates charged on a payday loan. But how much more?

:20:23.:20:28.

On average, if you borrow �100 from a payday lender, you will pay

:20:28.:20:31.

between �20 and �37 in interest at the end of that month. It varies

:20:31.:20:35.

according to the lender and also according to how good or bad a risk

:20:35.:20:39.

you are. That is, of course, a lot cheaper than you could pay if you

:20:39.:20:43.

go overdrawn without asking permission from your bank first.

:20:43.:20:47.

You could pay five or six times that in bank fees and charges which

:20:47.:20:52.

will come as a big surprise. 40 banks subscribed to a lending

:20:52.:20:56.

code under which they'll let customers know if they can opt out

:20:56.:21:00.

of unauthorised overdrafts, warn them in advance if they are about

:21:00.:21:04.

to two over their agreed limits and if they do go over and are in

:21:04.:21:08.

danger of getting into financial problems, help them find a solution.

:21:08.:21:12.

So although I think the banks in some cases have made real

:21:12.:21:15.

improvements, I would say that consumers have to look carefully at

:21:15.:21:19.

how much they could end up paying if they go overdrawn without asking

:21:19.:21:23.

first and I would say try and avoid it if you can, talk to your bank,

:21:23.:21:26.

and if they won't give you the overdraft, maybe it's a sign that

:21:26.:21:31.

you are spending too much and you need debt advice, rather than go

:21:31.:21:34.

overdrawn without asking. Well, all the banks we looked at

:21:34.:21:38.

told us that they are committed to offering clear and simple charging

:21:38.:21:42.

structures and a wide range of information and help for customers

:21:42.:21:46.

who go overdrawn. This includes alerts if they are about to go

:21:46.:21:49.

overdrawn and assistance if they are facing difficulty. They also

:21:49.:21:54.

encourage customers to talk to them about their financial needs, they

:21:54.:21:59.

say. Bank of Scotland says it's sorry that Stephen feels he was

:21:59.:22:03.

unfairly charged. Along with Lloyds TSB, it says overdrafts aren't

:22:03.:22:06.

guaranteed and are based on people's personal circumstances.

:22:06.:22:10.

Not all customers have access to an unplanned overdraft and they say

:22:10.:22:13.

they wouldn't extend them to those who're unlikely to make repayments.

:22:13.:22:17.

What about the rest to have banks that we looked at, Rani? Halifax

:22:17.:22:22.

says our example isn't typical and that comparing its �1 daily plan

:22:22.:22:26.

with other bank charges isn't a like for like comparison. It says

:22:26.:22:29.

it offers options to prevent customers going overdrawn and when

:22:30.:22:33.

they do, it's usually for a few days. If that goes on for longer

:22:33.:22:37.

than a week, it will contact them about other repayment options and

:22:37.:22:42.

may suspend the daily fee, depending on the resolution.

:22:42.:22:48.

Barclays says it gives customers choices on how to structure their

:22:48.:22:52.

borrowing and offers an emergency banking service which they can opt

:22:52.:22:57.

in or out of. HSBC always aims to be fair and will often waive fees

:22:57.:23:03.

for customers making small or infrequent informal overdraft quls.

:23:03.:23:13.
:23:13.:23:14.

That goes for Santander. Where fees are incurred, they won't be applied

:23:14.:23:20.

until 22 days after notification. Finally, RBS and NatWest both say

:23:20.:23:24.

they've worked with the office or Fair Tradeing to publish various

:23:24.:23:26.

charging scenarios which allow customers to compare their charges

:23:26.:23:32.

against their competitors. As we saw in the film, many of the banks

:23:32.:23:35.

charge for an unauthorised overdraft can be higher than those

:23:35.:23:39.

of a payday lender, but we should say that payday loans are not for

:23:39.:23:44.

everyone and the high interest rates can mean charges increase

:23:44.:23:50.

substantially if loans are extended. Back to our consumer cops in the

:23:50.:23:54.

north-east. In the run-up to New Year, one of their biggest concerns

:23:54.:23:58.

are the sales of fireworks. There are strict rules surrounding the

:23:58.:24:02.

storing of them and shops need a licence to sell them. If they get

:24:02.:24:07.

into the wrong hands, the results can be lethal. Here is Chris again.

:24:07.:24:12.

For the last 16 years, Steve has been Middlesbrough's main man for

:24:12.:24:15.

checking that licensed firework retailers are complying with the

:24:15.:24:20.

rules. It's late October and in the run-up to Bonfire Night, he's

:24:20.:24:24.

carrying out a series of inspections of local shops, making

:24:24.:24:29.

sure the fireworks they are selling don't pose a risk to public safety.

:24:29.:24:33.

Hello. Trading Standards, Mr Desai, a routine inspection... Steve

:24:33.:24:37.

already knows many of the long-term licence holders in the area, but no

:24:37.:24:40.

matter how long they've been selling, he needs to be satisfied

:24:40.:24:45.

they are doing things by the book. Thank you very much... No live

:24:45.:24:51.

fireworks in the window? If you hold this one, you will see it's a

:24:51.:25:01.
:25:01.:25:01.

doubley. -- dummy. They're all dummies as well. Empty boxes.

:25:01.:25:05.

are quite large fireworks and if they weren't dummies, the amount of

:25:05.:25:10.

weight in there would be enormous. High, yes. That's ideal, yes.

:25:10.:25:16.

The weight of firework shops can sell is restricted and the restrict

:25:16.:25:22.

UK -- there are strict UK regulations regarding storage.

:25:22.:25:26.

open the cabinets and make sure there's no electricity in them.

:25:26.:25:32.

Behind the counter, I can see that there's nothing else stored here,

:25:32.:25:35.

there's no combustible or flammable material, the area's kept nice and

:25:35.:25:39.

clean and there's no heaters or anything like this, anything which

:25:39.:25:45.

could add to a risk to the stock in these cabinets.

:25:45.:25:48.

It's only when you come behind here and look in the cabinets that you

:25:48.:25:51.

can really see that sort of thing. One of the most important areas of

:25:51.:25:58.

enforcement is the selling of fireworks to those who're under age.

:25:58.:26:02.

I think 21, a 25 policy is well worth considering. If they don't

:26:02.:26:09.

look 25, get the staff to ask for I diand if they can't produce it, no

:26:09.:26:14.

sale -- ID and they can't produce it. Perhaps a staff refusal log

:26:14.:26:20.

book as well. 99% of refusals stop at the door because a lot of kids

:26:20.:26:25.

want to see and they stand there when their parents come in. My

:26:25.:26:30.

policy is simple, if they don't look old enough, don't come in the

:26:30.:26:36.

shop. This shop has strict rules of selling to minors, but not everyone

:26:36.:26:42.

is as responsible. It's been a tough challenge over the years to

:26:42.:26:46.

clamp down on things? There were fireworks going off all over the

:26:46.:26:49.

place in Middlesbrough. We all got our heads together and thought,

:26:49.:26:53.

where can they possibly be coming from, and the conclusion we draw

:26:53.:26:57.

was that people were selling them from home. In 2002, the team set up

:26:57.:27:00.

a hotline number for the public to call if they had any information

:27:00.:27:05.

about illegal sales. People were brilliant. They clearly

:27:05.:27:10.

didn't want to live next door to an explosives store so they rang up

:27:10.:27:14.

and said who they were selling to, when and gave us comprehensive

:27:14.:27:17.

details. Within weeks of the hotline being set up, they were

:27:17.:27:21.

alerted to a man selling fireworks to children from his house.

:27:21.:27:24.

started on the surveillance and quite honestly, nothing was

:27:24.:27:28.

happening at all. We were on the point of calling it off when all of

:27:28.:27:32.

a sudden, the lights went on in the living room, the curtains were

:27:32.:27:37.

thrown back, the patio doors were opened and really, in no time at

:27:37.:27:43.

all, the back garden was just full of youths in tracksuits and

:27:43.:27:48.

baseball caps offering money and running off with fireworks in all

:27:48.:27:55.

directions. It was clearly a very, very thriving business. They were

:27:55.:27:58.

actually discharging the fireworks immediately outside the gentleman's

:27:58.:28:02.

garden. Ironically, he was annoyed about that and came out and chased

:28:02.:28:06.

them for that, but he was quite clearly happy to gain the profit

:28:06.:28:10.

from selling the fireworks in the first place. That trader was

:28:10.:28:14.

charged with the illegal supply of fireworks to under 18s. He received

:28:14.:28:19.

a community punishment order for 100 hours.

:28:19.:28:23.

But back on the street, Steve is keen to keep getting the message

:28:23.:28:29.

out there. If I can just ask you, Mr Desai, if

:28:29.:28:35.

you are kind enough to display our Sticker... Since the fireworks

:28:35.:28:38.

hotline was established, the streets of Middlesbrough have

:28:38.:28:42.

become that bit quieter. The racket you hear today is being made by

:28:42.:28:48.

Steve's colleagues as they test the explosives for safety.

:28:48.:28:56.

Can I ask you a question about this one? I'll bring you the results of

:28:56.:29:01.

those tests a little later. Before that, misleading adverts. How about

:29:01.:29:06.

this one from Amazon which has just been banned today. The online

:29:06.:29:10.

retailer claimed that customers signing up to their Amazon prime

:29:10.:29:14.

membership scheme could get free one-day delivery on all eligible

:29:14.:29:18.

orders. It may be free delivery, but you have to pay �49 a year to

:29:18.:29:22.

join which makes the word "Free" slightly confusing. Amazon argued

:29:23.:29:26.

if they hadn't said delivery was free, customers may have been

:29:26.:29:30.

equally confused about possible delivery charges. However, the

:29:30.:29:33.

Advertising Standards Authority disagreed with them and said it was

:29:33.:29:37.

misleading in this context because you have to pay �49 to get it.

:29:37.:29:43.

Well, Amazon's since told us they are confident their prime customers

:29:43.:29:47.

understand the �49 annual subscription fee includes unlimited

:29:47.:29:51.

one-day deliveries at no additional charge. They aim to describe

:29:51.:29:54.

services clearly and accurately and will update the website in line

:29:54.:29:58.

with the judgment. Talking about being clear and

:29:58.:30:03.

accurate in adverts, how often are you caught out by the catches and

:30:03.:30:06.

disclaimers? You might not always spot them, but James Daley, our

:30:06.:30:16.
:30:16.:30:22.

Add vertds these days. Is it me or are they always full of little

:30:22.:30:26.

catches -- adverts. It sometimes seems like they are only put there

:30:26.:30:29.

so companies can offer one thing, only for you to find out the

:30:29.:30:32.

offer's not quite as good as you initially thought. And why is there

:30:32.:30:36.

so much tiny print compared to the bigger message they are trying to

:30:36.:30:39.

get out? They might like putting their catchs in the small print,

:30:39.:30:44.

but I'm going to make them nice and big. First up, we hear the word

:30:45.:30:48.

unlimit add loot, especially in related to Broadband and mobile

:30:48.:30:55.

phone ads. We don't see the words "Fair use", meaning that you might

:30:55.:31:01.

not have unlimited access to Tess messages and data downloads. If you

:31:01.:31:06.

send 5,000 texts a month, you may find that breaches the fair usage

:31:06.:31:10.

policy, so if you are particularly heavy using data or send a lot of

:31:10.:31:14.

texts, you may want to check your provider's fair uses policy before

:31:14.:31:19.

you sign up to them. Thex in up, the tiny words like "Up

:31:19.:31:26.

to" and "From" that you can so easily miss, like up to 75% off

:31:26.:31:31.

where the 75% is huge and the up to is smaller. Shops only need put up

:31:31.:31:36.

one item of stock at a discount of 75% to be able to use that

:31:36.:31:39.

advertising. Nothing more frustrating than excitedly going to

:31:40.:31:44.

an up to 75% off sale only to find that most things are discounted at

:31:45.:31:49.

a far smaller rate. What about this, the words from in tiny letters and

:31:49.:31:55.

�30 in huge letters? You know, so for example, a hotel room from �30,

:31:55.:32:00.

but in reality, it's very hard to book that anywhere close to a price

:32:00.:32:04.

of �30, because in most cases, that offer's only available at the

:32:04.:32:08.

weekends or it's only available for a limited period. Or there are

:32:08.:32:11.

extra credit card charges to pay. Technically, there might not be

:32:11.:32:15.

anything wrong with presenting an offer in this way, but it's so

:32:15.:32:19.

frustrating if it givious the idea that the offer's much better than

:32:19.:32:22.

it really is. As ever, keep reading the small print.

:32:22.:32:28.

You may also spot one of those. The asterisk. It will usually lead you

:32:28.:32:32.

to a load of terms and conditions at the foot of the advert and

:32:32.:32:36.

typically in tiny print. Even if there is not an asterisk, there are

:32:36.:32:40.

often disclaimers at the food of the advert like the shampoo adverts

:32:41.:32:45.

where it says the model is wearing hair extensions or the worryingly

:32:45.:32:50.

small sample sizes on surveys. So what can you do if you think you

:32:50.:32:56.

have been misled or duped dian advert? You could submit a

:32:56.:32:58.

complaint to the Advertising Standards Authority. They've got

:32:58.:33:01.

the power to investigate adverts and even get companies to take them

:33:01.:33:05.

down. If you can, send a copy of the advert or think about taking a

:33:05.:33:08.

photo. If it's not serious, you could

:33:08.:33:12.

complain directly to the advertiser. Or think about spreading news of

:33:12.:33:17.

your complaint on social media. That'll warn others about it and

:33:17.:33:23.

could get the company's attention. James Daley. He's Which?'s money

:33:23.:33:27.

expert. If you want more tips on what to look out for in the small

:33:27.:33:29.

print, it's on the website at [email protected].

:33:29.:33:33.

Now, we are heading back to Teesside where Trading Standards

:33:33.:33:36.

officers are policing the sales and storage of fire works, but they

:33:36.:33:40.

also carry out tests on the explosives to make sure they're

:33:40.:33:46.

safe to use, as Chris Jackson reports.

:33:46.:33:50.

The checks take place here at a testing facility in the centre of

:33:50.:33:53.

Middlesbrough. Lab manager Paul Lucas has just received a

:33:53.:33:57.

consignment of fireworks bought from major high street retailers.

:33:58.:34:03.

We will be checking to see if they comply with the British standard.

:34:03.:34:07.

These are labelled as display fireworks, but they are on sale to

:34:07.:34:12.

the general public. Testing fireworks - it's not like watching

:34:13.:34:17.

them - we have so many things to observe and we are dog it in

:34:17.:34:21.

daylight so we don't get the full effect of the firework.

:34:21.:34:27.

But we are timing the fuses, we are timing the time between the fuse

:34:27.:34:31.

going out and the start of the firework and then we are timing how

:34:31.:34:37.

long the fireworks are running. And we are also observing the things

:34:37.:34:42.

that are ejected to make sure that nothing falls outside the circle.

:34:42.:34:47.

So chances of enjoying the firework, remote. These fireworks must be

:34:47.:34:50.

placed 25 metres away from anyone watching them.

:34:50.:34:55.

In the test area, the outer yellow circle marks the danger zone. If

:34:55.:34:58.

any debris weighing more than one gram drops outside the area, the

:34:58.:35:02.

firework will fail the test. If any blazing debris drops between the

:35:02.:35:08.

height of the poles, the firework will also fail. The other thing of

:35:08.:35:11.

course is whether the firework is stable. If it says to bury the

:35:11.:35:16.

firework, we must bury it to the depth indicated. One thing to note

:35:16.:35:20.

- a fail on any of today's tests doesn't necessarily mean they are

:35:20.:35:26.

dangerous. But it does mean they will be subject to closer scrutiny.

:35:26.:35:30.

Nigel is the lab technician at the sharpnd today lighting the fuses

:35:30.:35:38.

and handling the fireworks. Right away, he spots a problem. The team

:35:38.:35:41.

must follow instructions to the letter when setting up the

:35:41.:35:44.

fireworks. Eventually, they pile up enough

:35:44.:35:54.
:35:54.:36:04.

It's an impressive sight. But, there's a problem with this one.

:36:04.:36:14.
:36:14.:36:24.

The time it takes the fuse to burn In regard to that, I hope I'm a

:36:24.:36:28.

good trained athlete and I can get away quick, because anyone who

:36:28.:36:33.

can't is in trouble. 1Tnt28 seconds is lower than five seconds required

:36:33.:36:39.

by the regulations, a clear fail. -- 1.28. The team carry on testing

:36:39.:36:49.

all 14 packs of fireworks. That's been ejected by the firework. But,

:36:49.:36:56.

it is still a good way inside the 25 metre danger zone.

:36:56.:37:03.

So, that's a pass. Look at the box and it's passed. Very good. Worked

:37:03.:37:10.

very well. But with the next test, the explosion drops outside the

:37:10.:37:16.

danger zone. This piece of debris has fallen

:37:16.:37:23.

outside the required perimeter, so that'll probably be looked at. And

:37:23.:37:27.

a further problem is spotted. Can I ask you a question about this one?

:37:27.:37:31.

Doesn't appear as though it's gone off completely. Two tests failed on

:37:31.:37:35.

this one firework. It's over the weight limit of one gram allowed

:37:35.:37:39.

for debris falling outside the danger zone and more worryingly, it

:37:39.:37:45.

didn't go off completely. Something like this, if only half the

:37:45.:37:49.

fireworks function, it give mess cause for concern. We have been

:37:49.:37:57.

lucky here in the fact that the firework's actually ceased function.

:37:57.:38:02.

But just imagine the scenario where there's a bit of glowing debris

:38:02.:38:07.

somewhere in there, the person goes back to it thinking the thing's

:38:07.:38:12.

finished completely and up it goes again.

:38:12.:38:17.

The next firework tested also fails. It showers the area outside the

:38:17.:38:20.

danger zone with much heavier debris.

:38:20.:38:30.
:38:30.:38:37.

There's another one there. Just These are all pieces which have

:38:37.:38:42.

come down out of the safety circle. My colleagues are picking some more

:38:42.:38:45.

up over the other side and we'll hand these to the lab manager so he

:38:45.:38:54.

can weigh them all. This peace of debris weighs 22.1

:38:54.:39:00.

grammes, much heavier than the one gram allowed. All these pieces of

:39:00.:39:07.

debris have come down outside the danger zone. So people could be

:39:07.:39:16.

watching the firework and be hit by one of these as they are stood

:39:16.:39:21.

quietly be. -- quietly by. The team discovered that four out of 14

:39:21.:39:27.

packs of fireworks fail on one or more tests. The illusion missile

:39:27.:39:33.

and three of the pax failed the fuse burn timing tests. Jet fire

:39:33.:39:38.

ejected debris out of the safety zone and Wonderland failed on both

:39:38.:39:45.

counts. The failure referred to, it will be handed over to the Trading

:39:45.:39:49.

Standards to implement. We have a few more tests to do on the spent

:39:49.:39:54.

fireworks before we are finished, but all in all, it's been a good

:39:54.:39:57.

day. John who you saw in that film joins

:39:57.:40:01.

me now. Obviously a busy time for you, but we saw some fireworks fail

:40:01.:40:06.

in your tests. What's happened since? I think a lot of people

:40:06.:40:12.

might expect they've been taken off the shelves. The problems we found

:40:12.:40:16.

when we did the tests were classed as defects under the standard, they

:40:16.:40:21.

weren't critical failures, if they were critical, if for example the

:40:21.:40:24.

fireworks blew up as soon as an ignition source had been put to

:40:24.:40:28.

them, or they'd all fallen over and showered the sparks in different

:40:28.:40:31.

directions, in those cases, one failure would have been enough and

:40:31.:40:37.

we'd have been into a full-scale investigation. But what we had here

:40:37.:40:41.

were defects. The way in which that's dealt with is on a

:40:41.:40:44.

statisticical basis. So we had to first of all very, very quickly

:40:44.:40:50.

obviously get back in touch with the home authority Trading Standard

:40:50.:40:57.

service for the place where they're imported and ask them if they could

:40:57.:40:59.

show that there were sufficient tests to show statistically that

:40:59.:41:04.

they were safe. I'm pleased to say that those test reports were

:41:04.:41:08.

provided, showing they'd done thousands, well hundreds of tests

:41:08.:41:12.

on thousands of fireworks and we were happy that the products were

:41:12.:41:15.

safe. We are coming up to Christmas and

:41:15.:41:18.

New Year, so people will be thinking about fireworks again, so

:41:18.:41:23.

what should we do to keep ourselves safe? First of all, you should be

:41:23.:41:27.

going to somewhere that's registered, a proper shop which is

:41:27.:41:30.

licensed to store and sell fireworks because then you know

:41:30.:41:33.

that the fireworks have come through this rigorous control

:41:33.:41:36.

procedure and you will know they are tested fireworks. The second

:41:36.:41:39.

thing I would say which I can't stress strongly enough, is that

:41:39.:41:43.

there are some very big fireworks which are legal to be sold to

:41:43.:41:46.

people these days - make sure that the fireworks you buy are suitable

:41:46.:41:50.

for the private space that you've got. If your back yard or garden

:41:50.:41:57.

isn't big enough to take a firework, stand back 25 metres from it, for

:41:57.:42:00.

goodness sake don't buy it, because once it's lit, you can't do

:42:00.:42:03.

anything about it. Thank you. Lots of people in touch

:42:03.:42:06.

with us this morning. Rani? Loads of messages about hospital

:42:06.:42:10.

car parking charges, lots describing it as a tax on the sick.

:42:10.:42:13.

Carol from West Sussex is particularly angry that at some

:42:13.:42:17.

hospitals the money raised is going into the pockets of private parking

:42:17.:42:22.

companies, not patients' care. Also I need to point out, although

:42:22.:42:25.

hospital car park charges have been scrapped in Scotland, they are

:42:25.:42:30.

still in force at the Ed during and Glasgow Royal Infirmarys and the

:42:30.:42:33.

Ninewells Hospitals in Dundee. Thank you very much for your e-

:42:33.:42:37.

mails, texts and tweets, we'll read them out again tomorrow. Keep them

:42:37.:42:41.

coming in. That is all we have time for this morning. On tomorrow's

:42:41.:42:45.

programme, rail delays - you can claim compensation from the train

:42:45.:42:50.

companies, but are they all playing by the rules? Thomson, a letter of

:42:50.:42:54.

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