Episode 1 Watchdog

BMW owners, your car at risk, wonga, your bank account at risk. First

Choice Holidays, your stomach at risk, plus, Asda, nest lay, WH

Smith, it is Watchdog, the Yes, hello and good evening. We're

back with a new series of Watchdog, and we're live, as usual, from

Television Centre. Tonight, BMW, they know their cars can be stolen

in seconds, why aren't they warning owners. You spend �40,000, �50,000,

more on a vehicle, and somebody can take your car without a key, it's

ludicrous. Also tonight, uncooked chicken, unwell guests, Watchdog

goes undercover, all-inclusive, with First Choice. First,ness lay,

bigger box, less contents, same price, and Wonga, you may not have

taken out a loan, but they can still empty your bank account.

You might well need a loan if you deal with tonight's rogs, they sell

you car that is are dangerous and they overcharge you, and don't take

kindly to complaints. Who are you. The question that out of my face.

Would you like us to leave now?Le He does go on a bit, that was the

boss of Five Star Cars in Brentford, giving us service with a snarl, and

sending our bleepbleep machine into overdrive. Find out what made him

so BLEEPING angry later. BMW, the ultimate driving machine, for the

car thief it is the ultimate gift. If you own one built between 2006

and 2011, we can now tell you that, thanks to a gaping security risk,

tens of thousands of them can be stolen. The thief only needs a

couple of minutes, and he doesn't mean need your key. They cost

between �17,000 and �100,000, proviegd owners with the last word

in German engineering. But every day, more and more owners are

waking up to find them gone. I woke up and the car wasn't there. Apart

from some shattered glass on the floor and no vehicle, amazing.

Stephen's BMW M6 convertible, was stole nonJanuary. After paying so

much, he thought he had taken all the necessary safety precautions.

had both keys in my possession, and spent �50,000 on a vehicle, and

someone come and take your car without a key, it is ludicrous.

the same night his car was taken, he met another BMW who had also

been targeted, since then, more have been write to go Watchdog.

Their cars have gone too, and all still have their keys. What is

going on? It begins with the computerisation of cars. Most

modern vehicles like the BMW now have an on-board computer hidden

under the bonnet. This computer basically controls the engine, and

making sure everything is working correctly. It also controls this

the car's electronic key. All BMWs have had them since 2006. The key's

communicate with the computer via radio signal, that, in turn, allows

you to start the vehicle. But, crucially, the computer can

also programme a Newquay, should the old one be lost. This used to

be a complicated task, that took around 40 minutes to complete, and

required specialist equipment. But someone has managed to simplify the

process, which cracking BMW's technology. The result:

We have discovered a device exist that is allows anyone to access the

on board computer and programme a blank key. It is so easy, the

process takes little more than three minutes. Once they have

gained access to the vehicle, they can plug in the device, and

programme a virgin key, to the computer, within the vehicle. That,

in turn, overrides the immobiliser on the vehicle, which enables them

to drive the vehicle away. The device was actually designed and

marketed for garages and recovery agents, et cetera so, that they

could use it over and over again on different vehicles. So the same

would apply to the criminals. They could use it on many different BMW

vehicles. Amazingly, the blank keys and the device are both available

to buy on the Internet, no questions asked. At �6,300, the

device isn't cheap, but, as it works on many models of BMW, and

can be used repeatedly, the criminals are happy to pay.

Here are some of them at work. It is 2.00am on March 31st this year.

Steve Woods BMW 1M sits on a driveway in Sutton Colefield, three

masked men approach, in less than three minutes the car will be gone.

I had always wanted one, always worked towards having one. And just

over �43,000, it was. The gang get in through part of the window, and

a man in the pale grey jacket is holding one of the devices. They

quickly gain access and are soon pushing the car, quietly, off the

draifway, ready to be started and driven a-- driveway, ready to be

started and driven away. I thought modern cars were unstealable, but

found out different. Police in Warwickshire are so

concerned, they issued this press release in April, warning BMW

owners to take extra precautions because of the high number of cars

being stolen. It clearly states that the thief use as device on the

vehicle, which programmes a blank key. It is the same story in London.

There have been so many thefts here, that in August, the Metropolitan

Police left these leaflets under windscreens, warning BMW owners,

their cars were likely to be targeted. So, with the police going

out of their way to warn the public of the dangers, you would expect

BMW to be doing the same. Surely their they are contacted owners and

letting prospective buyers know the risks? Well, not exactly we visited

BMW dealerships in both the Midlands and London, both theft hot

spots. What would they tell us A totally inconsistent message, do

BMW know about this, or don't they. So, if head office are aware of the

vulnerability, why aren't they telling their dealerships or

customers? Perhaps they need more convincing about just how easy it

is to break into one of their cars using this device. So, we are going

to show them. Normally we would use a professional for this kind of

thing. It is so easy, we are going to do it ourselves. This is blank

key, which, as you can see, currently doesn't work to start

this vehicle, just so there is no doubt it is a genuine test, we are

gok going to mark the key -- going to mark the key. We can't show you

precisely how this works, I will ask the cameraman to tilt up,

whilst we do this. This is the key we marked earlier, just two minutes

ago it wouldn't start this car. But now it does. A security system so

compromised that even I can break it. How much more proof does BMW

need that it's time for them to take action. OK, a huge increase in

thefts, police going out of their way to warn owners, BMW, are

perfectly aware of the problem, have we yet any evidence of

customers being warned? We haven't met anyone yet warned by BMW before

tonight. The company have told us they take security extremely

seriously, and that all their cars meet all UK and global security

standards. However, no car is completely unstealable, they say,

and they, along with the police and other car-makers are in a constant

battle against increasingly sophisticated criminals. They say

it is a new type of high-tech crime, that simply didn't exist when the

cars were manufactured, they first became aware of it last autumn, and

immediately launched an investigation. But that's actually

a year ago, they still haven't been in touch with owners, why?

According to them, it's a problem that's not specific to BMW, and

that other manufacturers' cars are also affected. They say none of

their cars, built after September 2011, can be stolen by the method

we have highlight, they have been enhancing the protection of X5 and

X6 models built before then. Tonight, they saying, they can

extend that protection to other models, free of charge. We are

contacting all owners can advice on increased security, they have asked

anyone with concerns to contact their dealer or the customer

service department on the free phone number below.

Any more advice from car security specialists? Well, basically, they

advise that the key thing is adding extra layers of security, to make

it harder to steal. Two relatively simple examples, putting on one of

these, a steering wheel lock, or even a good old fashioned wheel-

clamp, if unlike me, you can actually lift it up. That stops

thieves driving off with your car. Alternatively, fitting another

alarm, that isn't connected to the car's computer. All of these, a bit

of a hassle, not ideal, but perhaps worth it, just for peace of mind.

Meanwhile, as BMW claim other types of cars with similar technology are

affected, please, please, let us know if you have had a problem?

you would like to comment on that or any of tonight's stories, here

Coming up: First Choice, thinking of a holiday

at the four-star resort in Egypt, best have a word with other guests

We're back, after an eventful couple of months, if you don't mind,

I would like to focus on the reassuringly constant things in

life, like wet summers, and not knowing 90% of the housemates on

celebrity Big Brother. Then there are those companies who promise a

lot, but whose service continues to be a million miles removed from

Five stars is as good as it get, only the best films get five stars,

like Citizen Kane. And King Kong is a five-star film. The Dorchester is

a five-star hotel, and the Ritz, there is a couple more near Gatwick.

Where as five-star films and hotels cost a lot of money, Five Star Cars

at Brentford, say their cars don't. Their promise is, quality cars, at

low, low prices. So, are they? Shall we find out? I just can't

wait. We have heard their cars definitely don't match their

quality promise, in fact, buy one, it could be damage, dufd up,

dangerous, or, to use a deck kal term. It is a dodge em -- tell kal

determine. It's a dodgem. didn't want a dodgem, he wanted a

Fiat Ibiza for �5,000 last March. The company seemed friendly and

reliable. When did you notice it wasn't quite what it should have

been? On the motorway you got a sudden shake on the steering wheel,

quite abrupt, as if you are going over speed bumps the whole way down.

I started thinking something was up. Did you get it looked at? I was

told by a garage to get it looked at by an independent inspector,

they are allowed to take you on a test drive, he said it's unroad

worthy, his words were "it's a death trap". I presume you took it

back to Five Star Cars? I rang them up and said it shouldn't be allowed

near the road, what can you do. He said I have got the money, you have

signed a contract, and do what you like with it. Five Star Cars has

racked up over �15,000 in unpaid county court judgments, �3,000 of

it Ben's money, when a bailiff advised the site, they said they

didn't have enough assets to pay Ben back. Stuck with a vehicle they

have been told is a death trap, Ben has sold it to a breaker's yard.

have lost �2,200, the best price I could find was �800, I have made

this loss, I won't see the money back. Five Star Cars are getting

away with it. Yeah, maybe not for much longer, though, we have sent

down our very own Scooby, and Scrappy do, our experts. They are

look to go find their own five-star dodgem, it shouldn't be that

difficult. Alarm bells are already ring beg this Kia Picanto. At

�2,500, it should be in good condition. It spells like a dog has

died. The tailgate on the right hand side doesn't need standards,

the bonnet doesn't align properly with the bumper, a scrape there, it

has been a bit of a dodgem. it's time to find out more, let's

go for a test drive. I don't like the sound of that. Feeling loose or

badly worn on the suspension, the suspension shouldn't sound like

that. Five Star Cars's opinion of the Kia is a little different, meet

Syed. It is very effective, once it is ready.

So it's in very good condition, I will be driving it a lot.

We say we're interested in buying the clapped-out keyia, John is

watching the negotiation from his own dodgem, while Joe goes into the

office. Just as he's about to hand over the deposit, Five Star throw a

That's a lie, it is not MOT-ed. There are more pork pies to come.

That's totally ridiculous, at the moment, it is not worth �1,000,

heaven knows what it will be worth And on that promise, Joe pays a

�500 deposit and arranges to come back for the Kia tomorrow.

They have got the money, the car and the documents. There are no

documents. I would say it's all going very well.

Let's go home. # Bad boys

It seemed to be going well, then that 24-hour wait for the car

turned out to be more like two week, when we finally got hold of it, it

was in an even worse condition than we first thought. How much worse?

Find out later. Before that, First Choice, and its

holiday village, Red Sea Resort in Sharm-El-Shek, three swimming pools,

four stars, and hundreds of angry guests, no wonder.

Scourging sun, and glistening sea, set against a stunning desert

backdrop. First Choice says its relaxed atmosphere and fabulous

range of restaurants all combine to provide the ultimate family holiday.

Which is what a family of four would expect when they spend

thousands of pounds to stay here. Sadly, where this resort is

concerned, expectation hasn't been met by reality.

Lisa and her family spent two weeks at the resort to celebrate her

wedding anniversary, cost �3,500. would have said within three days

of being there, the illness started. Both me and my husband, we started

to suffer, sickness and diarrhoea. Chloe and Brad quickly fell ill too,

and a few days later, another family came out to join them. What

happened to them? All eight of us were poorly, three of which

required attention by way of a drip from a doctor, six were on

medication. So, not a good casualty list really. The holiday village

was nicknamed to "horror village" Red Sea. The illness wasn't

confined to Lisa's group. Other people started to suffer their

illnesses to the point that bowel habits couldn't be controlled while

in the pool. It was closed five times over three days, for reasons

of either sickness or faeces being found in it. Chloe, a little bird

told me you wrote something in the guest book? I wrote that we liked

the pool, but we didn't like the poo in the pool. The I think that's

fair enough, would you agree with that? I would agree with that.

says dozens of other guests complained to reps about being sick,

but, like her, they were told it was due to the heat, a normal case

of Egyptian tummy. I never wanted to be home quite like I had done, I

wanted to be home. Since coming home I haven't felt like I had the

holiday you don't work and book yourself a holiday, to go through

what we then went through, I don't want anyone telling me it was the

norm, it wasn't norm, and since being home, I haven't felt right. I

haven't felt like I have had it. one-off event? No. We have heard of

more than 70 people reporting illness at the holiday village.

They include Gregor and his family, who paid �4,000 for their two-week

stay. Stomach pains were unbearable, and diarrhoea was constant. A lot

of people were severely unwell. It effectively wiped out a week for

both of us. We went to the Red Sea to do snoarkling and scuba diving,

we couldn't go far from a toilet, it ruined the holiday. First Choice

sell all-inclusive packages to the holiday village Red Sea, guests

stay on the site the whole time. The families we spoke to say they

never left the hotel complex before they fell ill. Which subjects,

whatever the source is, it is within the resort. More worryingly,

the outbreaks are recurring again and again. Two law firms have been

collecting similar complaints for the past five years. We have spoken

to three to four hundred people who have contacted us in relation to

this resort. We have varying diseases from Sam nel that, and

even E-coli and others, it would show a breakdown of food and

hygiene standards. It is one of the worst quality complaints I have

seen in 15 years working in this industry. Of course, people will

always be ill on holiday. But this many people? At the same resort,

every year? This look like a pattern.

Yet, First Choice are still taking bookings for the resort. When we

called them earlier this summer, they told us, three times, that

there was nothing to be concerned about. Strange, then, that they

also posted this message on their Facebook page, admitting that a

small number of guests had fallen ill, and they were taking

precautionary measures. When there is that many people falling ill,

First Choice should have a big panic button that they push to try

to identify why so many people are ill within the resorts. They should

take the hard decision and stop sending people to that resort.

obvious question, have First Choice finally got a grip on the problem?

They have apologised to the holidaymakers we saw in the film,

and offered both families a full refund. We have had lots of other

complaints. We travelled to Sharm- El-Shek to look at the resort

ourselves, the company promises a holiday beyond your expectations,

and we certainly weren't expecting this.

Two of our team booked themselves a week here, all-inclusive. First

impressions were of a resort that was a little rough around the edges,

a swimming pool with a layer of scum along the side. A pool side

shower that was hardly gleaming, and exposed wiring around the site.

Shabby, but not too serious, until In total, we met 24 guests all

complaining of stomach pains and diarrhoea, even with all this

illness, hygiene here was lacking. Anti-bacterial gel in some areas,

good, no hot water in seven of the The drains didn't seem to be

functioning well either, perhaps that explained the stench that

greeted guests at the main entrance. There were questionable hygiene

practices elsewhere. The main pool, normally packed with families and

children, was suddenly closed, with staff chucking in heavy duty

cleaning chemicals. Despite the obvious health risks, staff seemed

desperate to reopen the pool as quickly as possible.

Sure enough, within 20 minutes, children and adults were allowed

back in, way too soon, according to one hygiene expert. I'm quite

concerned about how they dealt with the incident, from what I have seen

on the footage T appears they weren't testing the pool for levels

of disinfection. More importantly, I just saw a lot of chemical being

shoved into the pool at random, there wasn't any time for it to be

distributed throughout the pool. This cues me a concern on two

koupts. One, do we know the pool -- counts, one, do we know the pool is

safe to use, and secondly, there may be pockets of chlorine in the

pool that could give rise to a chemical burn. Staff unaware of

risk, and kitchen staff too, they were laying out the buffet

including this portion of chicken. Staff admitted it was undercooked

and took the plate away. Later on we were served this, it is not

salmon, it is chicken. This is chicken with stuffed vegtables, it

is really pink. And another night Once again we challenged the

kitchen staff? Clearly this is undercooked, it is so easy to get

this right, all you need to do is cook it properly and check it, 75

degrees, job done, it is not rocket science, it is really simple to get

right. We know of one guest there at the same time as us, who was

later diagnosed as having camila Campylobacter, a food poisoning

linked to eating undercooked meat. Undercooked kitchen can be the

cause, we know 60% of chickens in the UK have the disease, it means

if you undercook chicken, there is a 60% chance it might be there and

might have survived. It is infectious in very small doses. The

other danger is you could find salmonella or E-coli surviving.

Despite the number of guests falling ill last summer and this

year, this First Choice rep refused How did she explain the widespread

sickness. The resort doctor, according to him, some guests had

So, we have heard the explanations and seen the problems for ourselves.

What does our expert recommend? These things are so simple to fix,

this is just a matter of cooking food properly and checking that

it's cooked. With the pool, very, very simple, make sure that you

test the pool, and that you manage it properly. Really simple fixes,

let's see them happen. Obvious problems, easy solutions. After

years of complaints, will First Choice now put measures in place to

stop people falling ill at the Holiday Village Red Sea. OK, First

Choice say they are sorry about the reported cases of illness. The

guest we saw complaining about being sick has been offered a full

refund and compensation. They say during July there was an unusually

high level of reported sickness, with 40 of their 3,000 guests in

the resort claiming to be affected. An expert has since been appointed

to specifically monitor water quality in their pools. They have

hired more quality supervisers, and are providing extra training to

catering staff. They have added since July sickness cases have

dropped significantly, and they are continuing to closely monitor that

resort. That is all very well, but lawyers

have been receiving complaints for the last five years? They say, that

in that time they have made more than 200,000 guests, and

overwhelmingly the majority have had an enjoyable holiday without

incident. In Egypt they have highly-trained inspectors to to

monitor hotels on health and safety standards.

Wonga, they lend money with an APR of more than 4,000%. Even if you

have never heard of Wonga, they can still empty your bank account.

Back to Five Star Cars of Brentford now, the company that Proms quality

vehicle, sells bangers and refuses refunds. We put down a �500 deposit

on a used Kia Picanto, and told to come back in 24 hours, following

its MOT. We were assured it was in good condition. Driving it away

today shouldn't be a problem, should it? Well, let's find out.

Our researcher Joe is back down as Five Star Cars, ready to collect

the �2,500 Picanto. And one minute becomes 20, and after the Five Star

boys tracted by a shiny new vehicle, and something else, our researcher.

I think he's seen something he Any way, remember Five Star lost

the documents for our Kia, that's why, they said they had to get it

OK, so the car they sold us yesterday, the one they said was in

good condition, is actually riddled with faults? Five hours later, and

the diagnosis has got even worse. So there is now a catalogue of

problems with our Kia, Dave assures us it will all be fine. Our four-

day wait turns into a fortnight. Joe is being given the run around

for his run around. You still have the car haven't you.

It's the black Kia Picanto. Where's the car then? I don't know,

it last been two week, they have my money, I don't know where it is.

There is a bus stop just over there. Oh right. Only got one helmet.

After two weeks the Kia finally passes its MoT, and Joe calls on

Joe pays up the remainder of the cash. So, now, our car will be in

perfect condition, won't it, like we were promise, or is it another

dodgem. I have a long journey ahead to see John who has given it the

once over, I maybe some time. So, John, when you first test drove

this, what were your impressions? Was a absolutely awful, the noise

out the front suspension was absolutely abysmal. It felt, I can

only describe it as two skeletons having a fight on a tin roof.

love that analogy. But much worse than that, is this car hadn't been

used for two years, it hadn't had an MoT for two years. They let us

out in it with a serious defect in the offside break, and it was

losing fluid, and the brakes could have failed on the test drive.

had a chance to service it and what happened? It is a very bad ka, we

have a battery that is loose, with an unprotected terminal, that could

cause a fire. We have a radio missing, this front bumper is

hanging off. We paid �2,500, roughly, which was pretty close to

the dealers -- dealer's top mark? Almost full retail price. What

would you value this car at? This car is worth probably �1,000, tops.

The cost of putting this right will cost in excess of �3,400, what can

I say. No point. Thank you John. Always time for a second opinion,

though. My opinion, I'm going to test drive it myself.

It as an automatic, I'm so excited. Anyone got the keys.

It sounds like a budgie being threatened. Some sign of rain, I

will turn the rear windscreen wiper on. Let's try that air conditioning.

That's full blast, nothing going on. It's automatic, it's asmathic, it's

not Grease Lightning. It sends a strong message to the ladies, you

know, I don't have to try hard, I have nothing to prove, you know,

I'm driving a clapped out, overpriced, Kia Picanto, that's how

I am, take me or leave me. Yeah, with a car like this, there

is only one thing to do, get a refund and buy another one. But

will Five Star, give us the cash back.

Well, sadly, the answer is no. Remember, they told us they had

lost the log book when they sold it to us, they now say they can't give

us a refund unless we produce that log book, very convenient for them.

So a duff car, a damaged bank balance, and one unhappy customer,

who wishes to register a complaint. Don't miss it, it's a bit tasty.

Next wonga.com, one of the biggest short-term loan companies in the UK,

they even sponsor Red Or Black on ITV, latest profits �14 million, no

surprise that APR is 4,000%. You might not want anything to do with

them, but they might take money from your account. With a loan from

wonga.com, you decide what you want and how long you want it for, we

will tell you how it will cost, no hidden charges. It all depends by

what they mean by nasty surprises. Over the last few months we have

heard from over 40 viewers, who have been chased by wonga.com, for

money they don't owe. Viewers like Dean from Cardiff, he did take out

a Wonga loan lasty, but paid it off in full. Six months later he

received an e-mail from them. said you have been accepted for

your loan, �497, it has been processed now, and will be in your

account within 15 minutes. You start to panic, you haven't taken

out a loan, it is nothing to do with you. When Dean con tacted

Wonga, they admitted someone else had accessed his details, and they

said don't reply to any other e- mails. I went to get some cash,

checked my statement on the cash machine, and all of my money was

gone. Yes, despite knowing Dean has been the victim of fraud for nearly

two week, Wonga proceeded to empty his bank account, taking more than

�500. I was over my overdraft, direct debits were bouncing, I was

incurring bank charges, I had no money whatsoever, I had no money

for fuel to go to work, it was all because of their error. Wonga

refunded Dean two weeks later, as a former borrower, he at least knew

who they were when they started demanding money.

Not so straight talking for other viewers we have heard from.

received two letters, completely out of the blue, from a company

called Wonga, asking me for payment of �421.62, never heard of Wonga,

hadn't a clue who they were. Once Andrew contacted Wonga, they

dropped their demand for payment. Again, they admitted there had been

fraud, with a thief using Andrew's name to apply for a loan

successfully. So why didn't their security system detect it? They

made a mistake, they knew that they had apparently credit checked me

and loaned it to somebody else, but they weren't prepared to do

anything about it. Tony is another viewer who never heard of the loans

company, it didn't stop them taking �262 from his account. Or, after he

had complained, two further payments, for �508 and �260. I was

panicking at this point, I'm thinking, oh my God, why are they

taking this money, without any permission. Once more, the company

acknowledged that personal details had been used fraudulently. Tony's

bank had since helped him get his money back. But why did Wonga let

the fraud happen in the first place? Wonga must have things in

place that say this isn't right, rather than just taking money out

of people's bank accounts. And yet it keeps happening to viewers like

Michael, who had around �1,000 taken from his bank to Julie, whose

account was debited by nearly �1300, and to Mr Babua from bril Bristol,

who found over �2,500 had been taken, none had any dealings from

the company. Failure to deal with fraud can have

severe consequences. Last month the Office of Fair Trading closed down

another payday lender, MCO Capital Ltd, partly for failing to

adequately identify the identities of loan applicants, in around 7,000

cases. Wonga say they have spent millions on their security system,

but for some, they are simply not stringent enough. You absolutely

should not be able to credit check me, and then loan to somebody else.

It's a simple, straight forward, thing to sort. So Wonga should get

their act together. Fair enough, and with me now from wonga.com, dar

reel Bowman. I'm very seduced by your posh old deers and I realise I

use someone else's name, apply for a loan, and seconds you say, lots

of wonga in my bank account, and then you chase somebody who has

never heard of you for the debt. First of all, I would like to say

we deeply regret every case on the video. If you imagine, every time

you are a victim of fraud, it is deeply traumatic, we understand

that. That is why we take so much time and invest so much energy and

focus on combatting fraud wherever it can occur. We work with some of

the leading organisations in the UK. We spend millions on technology, we

try our hardest to make, prevent fraud. For example, our fraud rate

is actually ten-times better than the Friday average, and less than

one person in a though thousand is a victim of fraud. -- In a thousand

is a victim of fraud. We have shown you the evidence it isn't working?

Every single one of those cases is deeply regretable. We hate fraud as

much as everyone else, fraud is committed by criminals, and we

really try our hardest, every time we see a situation like that, to

learn from it, because clearly it is far from ideal. Let's take

Andrew, never heard of you, you take more than �1,000 out of his

account, you credit check him, then you give the money to someone else?

As you can imagine I can't comment specifically on any case, fraud is

very complicated, he was a victim of identity fraud. As I mentioned,

on the whole, one in, less than one in 1,000 is a victim of fraud, what

we try is to learn from those. Another thing, is, clearly, when

you are a victim of fraud it is deeply traumatic, we are a

responsible business. Your you are head of marketing? Yes. The big

attraction with old dears is how quickly, 15 minutes to get approved,

then, I think you say, ten minutes.48, the average length of

time it takes to get that money into your account -- 10.48 minutes,

the average length of time it take the money to get into your account.

I would say at the expense of checks, nobody else takes that

little time to get money into accounts Our customers love us for

that. I haven't got a lot of time. Your rates of over 4,000%? This is

the biggest misconception about Wonga. On the website, supposing I

borrow �400, 30 days later I pay you back, it costs me �525?

charge 1% day interest. Those people who have had money taken

from their account, are you going to repay them at the same rate, if

you took �400, you will pay back �525, just answer, yes or no?

Really, you will pay at the same rate to replace the money that you

took by mistake, at your rates, 4,000 APR? If anyone is a victim of

fraud. APR, your rate of more than 4,000, you will pay them back,

anyone you took say �400 from, you will give them back �525, they can

be assured? We guarantee that no- one will suffer, if we can prove

that person was a victim of fraud, we will guarantee they will suffer

no financial loss. You will pay them back at the rates? We will pay

them exactly the amount of money they will loss. Thank you.

We have plenty of e-mails from viewers saying Wonga took money

from them even though they didn't apply for loans. This viewer said

two payments were taken for �257 and �504, another one from Sandra

saying �260 was taken from her elderly mother.

That is for all those in touch about the stories, here is a few

more. Asda has said sorry to a customer,

turned away for trying to pay her �100 bill in �2 coins. Staff told

ice-cream lady, Joanne Bath to come back with notes, after she tipped

50 of the coins out on the check out. She went to complain, only to

find her items had been taken from her trolley on to the shelves.

Joanne who run as Mr Whipy with her husband, says she always pays with

her takings. Asda have apologised and said it was a mix-up.

Apparently it is legal to settle any amount in �2 coins. So, I'm

just off to pay the mortgage! Everything, defined by the

dictionary as all, the whole lot, the entire thing, not according to

WH Smith, who have a sale starting this Sunday, handing out vouchers

promising 20 % off, yes, everything, except newspapers magazines,

confectionery, CDs, DVDs, games, gaming console, stamps, toe bab co-,

stickers, collectables, gift vouchers, phone cards, e top ups, i

tunes, e gift cards, magazines, subscriptions, gift experiences and

lottery products. They have since withdrawn the voucher replacing it

with this one, telling you what is covered. Everything you need to

know. Size is shrinking, prices staying the same, quality street

tins already cut by nearly a fifth, nest lay is reducing another

product, honey cheerio from 600 to 500 grams, but the box has become

taller, sneaky. Walls are at it too, their Soft Scoop Vanilla Light Ice-

Cream down from two litres to 1.8. Downseizing is spreading well

beyond the food shelves, Anadin Extra Soluble have dropped from 16

to 12 tablets, as usual the companies claim they don't set the

price, retailers do. However the companies do decide the size. If

you see any others, please let us know.

We're closing in on Five Star Cars of Brentford now, they promised

quality vehicles but sell bangers fit for the scrap heap, they have

done it to you, and to us. So, let's go and do them.

This is Ben's Saturday Ibiza, a death trap, forced to be sent to a

breakers' yard. This is our clapped out Kia Picanto, sold by business

manager, Syed for �2,500, this is colleague Dave who promised perfect

condition. Now you are up to speed. As for us! We believe the backspot,

Dave is in the office. We are off to see Five Star Cars, like many of

their other customer, that we know of, we have pointed out our car is

not what we asked for or what we were promised, and it has problems,

and we have asked for a refund, they have offered us, nothing.

Really, we have to go and find Dave, and Syed and talk to them.

No sign of Dave to the right, let's go straight to the office.

Is Dave around at all or Syed? No sign of Dave or Syed at all, just

wanted to? Do you know where they are? 1.00pm, all right if we hang

around, OK. You guys thinking of buying a car were you, we bought

this from them for about �2,500, front bumper is hanging out, the

alternator needs a change, the brakes aren't secured, it is worth

�1,000 tops, rather than �2,500. Seriously. Thank you for coming

today. A pleasure, mate. Five Star, not terribly keen to

talk to us. So, we got these made up, which are actually strikingly

similar. Hiya, it seems to be stuck. Is

there any chance you could get a word through to Dave or Syed just

to come and have a chat to us? Hey Syed how is it going, mime' Matt,

BBC Rogue Traders, we wanted to talk about the Kia Picanto. It is

really bad. Do you want to talk to the manager, he will look after you.

You did sell us the car, Syed. didn't want to refund him?

because you said he would have to come back with the log book. I will

get the manager out for you now. Should he give us a refund?

should do. We could, we could be ending up with �2,500 in our hand,

if Five Star Cars do what Syed seems to be indicating they are

Hello, how is it going. What's your name, Sir? That's not Dave, we

don't know who that is, do we know who it is? Who are you? Can I ask

you the name? I need to know who you are. It's your yard. So you are

in charge here? I would like to talk to you about this car, it was

sold to us for �2,500. You're making something out of

nothing. It is something out of something. You are asking us to

leave, I ask who you are? You don't need to know. I do. I actually do.

I tell you, if you are asking us to leave. Who are you? What's your

name? My name is Matt Alright, from BBC Rogue Traders. This is a car

that you sold to us. I don't understand why you are so

angry. If we move the car. Those are our sign, you screwed up all

our signs, they say "zero star cars, shocking cars at shocking prices",

that is what we have discovered and your customers have discovered. I

need to know who you are before I do it, I don't believe you are the

owner. You are just some guy who could have walked off the street.

Tell me your name. Is that your first or second name. You just have

the one name. We are going to get a refund? Our refund of over �2,500.

Move the car, seriously we have been promise bid this gentleman,

who claims to be the owner of Five Star Cars, own giving his first

name, and he's promising us �2,500 as a refund.

Get that camera out of my face, man. Can you explain why there are over

�15,000 outstanding in county court judgments against this company,

which it is not paying, to customers who have come back and

who have made the point. You would like us to leave now? We take it on

the basis that you are the owner. Servat with a smile, that is Five

Star Cars, giving us the four- letter treatment.

# Bad boys # What you gonna do

# Bad boys # What you gonna do

# When they come for you # Bad boys

# What you gonna do # When they come for you.

I think we should go. A wet and wild finish, not for the

last time this series, at least it was just water, you will see what I

mean in a couple of weeks. Unfortunately it doesn't wash clean

the reputation of Five Star Cars, or the man who calls himself Servat,

he finds himself the very first face of this series Rogues' Gallery,

mercifully no more words from him, just a photo. Keep sending us your

tip-offs on the website. Click where it says "your story",

you can always write to us, the address is on your screens now.

Many thanks to Watchdog and One Show viewers who have e-mailed

about stolen BMWs, more 200 say they have been taken over in the

last few months. Some saying insurance companies refuse to

believe they can be stolen without the keys. I have a feeling we will

be returning to that quite soon. Um coming up next week, Shell, Esso

Bp, as the cost of fuel rises, guest what they are up to on the

forecourts. Inside Pets At Home, the truth about conditions at the