:00:09. > :00:18.Have you been ripped off the short change? We are here to fight for
:00:19. > :00:23.your rights. Spotting the latest scams and making sure you make the
:00:24. > :00:30.most of your money. You think it is never going to happen to you. But
:00:31. > :00:35.you do not know. Exposing the brogues and confronting the conmen.
:00:36. > :00:47.We are here to help you fight back. -- but rogues.
:00:48. > :00:55.Tonight, the bogus insurance brokers using your address for their scam.
:00:56. > :00:59.Once they've got your addresses, what else are they going to use if
:01:00. > :01:04.for? Are they going to use it for credit cards, loan applications? He
:01:05. > :01:09.travelled over 7,000 miles from chilly to Wales, only to be left out
:01:10. > :01:16.in the cold. It's money I'll never see again in my life. And what do
:01:17. > :01:24.you think about those companies that just leave you hanging on? I was on
:01:25. > :01:31.hold for 20 minutes last week. In the end I put the phone down. First
:01:32. > :01:36.tonight. Reporting on the scams that affect you is our bread and butter
:01:37. > :01:39.on X-Ray. This week though, Rachel has a more personal tale to tell,
:01:40. > :01:51.after her home address and many of her neighbours' addresses were used
:01:52. > :01:55.for insurance fraud. Bills, junk mail, and a letter for a
:01:56. > :01:59.Mr Bayryam. Now, I've been getting a lot of his post recently. All about
:02:00. > :02:06.his car insurance, which is strange because no-one of that name has ever
:02:07. > :02:10.lived here. In fact, over the past few months,
:02:11. > :02:13.I've begun to wonder if it is just me and my family who live here, or
:02:14. > :02:19.weather some shady character's been using my address to run some dodgy
:02:20. > :02:29.business. At first, I assumed I'd just been
:02:30. > :02:32.unlucky. Then I did some research among friends and neighbours here in
:02:33. > :02:38.Saundersfoot - and I realised this was something much more sinister.
:02:39. > :02:41.I've spoken to lots of people in the village who've received letters just
:02:42. > :02:44.like mine - too many to be coincidence. All the indications are
:02:45. > :02:49.that our addresses are being hijacked for an insurance scam.
:02:50. > :02:54.Amanda Cunningham has been getting letters since May for two different
:02:55. > :03:03.people. So this is one of those letters. You know nothing of Mr
:03:04. > :03:07.Cretu? No, not at all. When this letter turned up, the first thing I
:03:08. > :03:10.did was open the letter, purely to get the phone number of the
:03:11. > :03:14.insurance company. I rang them and sort of explained to them that this
:03:15. > :03:17.isn't me, nobody of that name lives at this address. And these weren't
:03:18. > :03:22.just harmless letters confirming details of a policy. The insurers
:03:23. > :03:27.were chasing debts, querying if drivers details were genuine, and
:03:28. > :03:32.threatening to cancel policies. You'd come home from work, look at
:03:33. > :03:36.the post and think, oh, another one. How is this one going to affect me?
:03:37. > :03:40.Is it going to cause any more problems? Are the insurance company
:03:41. > :03:45.going to be understanding when I phone them and say it's not me?
:03:46. > :03:48.Because they may think you are telling lies and you don't want to
:03:49. > :03:52.pay for the insurance, so that was quite worrying. You just think
:03:53. > :03:56.please stop, please stop sending me these letters, it's nothing to do
:03:57. > :04:03.with me. Just around the corner, another worried home owner. Dianne
:04:04. > :04:08.Whiting has been getting letters for a year for three different people -
:04:09. > :04:13.and they're still coming. This morning my husband said to me, we've
:04:14. > :04:17.had another one. So I knew exactly what he meant, and I do think,
:04:18. > :04:20.what's going to be in this one? You'd resisted opening the letters,
:04:21. > :04:26.but then the letter came from Liverpool Victoria and mentioned
:04:27. > :04:30.fraud. Yes, I opened that one because it said to the occupier, and
:04:31. > :04:41.it was naming this lady that I'd been having the mail for. And it
:04:42. > :04:44.said anti-fraud, and that did freak me out a bit, because I don't want
:04:45. > :04:51.to be dragged into something belonging to somebody who could live
:04:52. > :04:55.in a big city and got my address. And it's not just letters from the
:04:56. > :04:57.insurers. People have been hearing from debt collection agencies, and
:04:58. > :05:03.even receiving letters about speeding fines. Their home
:05:04. > :05:08.addresses, but not in their names. And when you're on the receiving
:05:09. > :05:14.end, it's no joke. So who's to blame? I've made some
:05:15. > :05:21.calls, and done some searching - and it seems these letters are the work
:05:22. > :05:23.of so-called ghost brokers. That's what the industry calls
:05:24. > :05:30.individuals or organised gangs who sell these worthless policies. They
:05:31. > :05:38.suck drivers in with the offer of a dramatically cheaper deal.
:05:39. > :05:41.So how does this scam work? Simple! The ghost brokers post adverts on
:05:42. > :05:47.sites like Gumtree or even Facebook - offering car insurance at a
:05:48. > :05:50.bargain price. If you ring them for a quote, they'll use a price
:05:51. > :05:57.comparison site, just like the rest of us. They'll use your name, but
:05:58. > :06:01.then lie about the rest of your details to make sure they get a low
:06:02. > :06:03.price from the insurrance companies. Points on your licence? Forget
:06:04. > :06:08.those. No no-claims bonus? They'll forge one. Live in the car crime
:06:09. > :06:13.capital of Britain? Not any more, they'll put you down as living
:06:14. > :06:23.somewhere quiet, somewhere safe. Somewhere like Saundersfoot.
:06:24. > :06:26.Is that Kessa? Later in the programme, we'll be trying to track
:06:27. > :06:33.down those ghost brokers using your addresses to sell bogus policies.
:06:34. > :06:36.You come down to where I am. I can meet you. I'll give you the policy
:06:37. > :06:41.details. We'll have more on that later in the
:06:42. > :06:45.programme. Still to come in tonight's programme. Cerys wants to
:06:46. > :06:50.GIVE the tax office some money, but she can't even ask them exactly how
:06:51. > :06:55.much she owes! I am worried because the deadline's passed now. I've got
:06:56. > :07:00.a perfect credit history and I'm worried this has affected it.
:07:01. > :07:04.Hundreds of overseas students come to Wales every year to study all
:07:05. > :07:12.kinds of subjects. For most of them it's a positive experience. But for
:07:13. > :07:15.one Chilean student who arrived here with the aim of improving his
:07:16. > :07:21.animation skills, the academic year got off to a very bad start. Rachel
:07:22. > :07:24.went to meet him. Animation has come on a long way
:07:25. > :07:29.since Walt Disney drew Mickey Mouse by hand. Today animation's a high
:07:30. > :07:32.tech big money business. But when animator Mario Quinones from Chile
:07:33. > :07:41.in South America wanted to improve his skills, he didn't head to
:07:42. > :07:50.Holywood. He came here, to the University of South Wales famous
:07:51. > :07:57.film school in Newport. I am trying to learn more 3D digital
:07:58. > :08:02.animation. I can learn from professors that are very
:08:03. > :08:07.experienced. For 28-year-old Mario it was going
:08:08. > :08:12.to be a massive adventure. But he would need somewhere to live. The
:08:13. > :08:25.University gives accommodation for students, but that was too expensive
:08:26. > :08:34.for me. That is why I started to look on the website of the
:08:35. > :08:39.university. Mario posted an appeal for a cheap student room on the
:08:40. > :08:45.website. He says it was the only place he advertised. But who was the
:08:46. > :08:53.person who got in touch? He just sent me an email. There was a shared
:08:54. > :09:00.house with two students. He sent me some pictures of the house. For a
:09:01. > :09:05.student house, it was hot property. It even had an en suite bathroom.
:09:06. > :09:13.But what about the man behind the offer? He was called Fran Spenca,
:09:14. > :09:21.but he was no comedian. He needed a deposit, a whopping ?800, before
:09:22. > :09:26.he'd reserve the room. Mario paid up by cash transfer - and headed off
:09:27. > :09:31.for a new life in Wales. And after two days on planes, and
:09:32. > :09:34.trains, he got in a taxi to take him the short ride from Newport Train
:09:35. > :09:46.Station to THIS street in central Newport. So when I arrived to the
:09:47. > :09:50.street and I was outside a house, knocked the door, a kid came out, he
:09:51. > :10:00.told me he had no idea about it, he was living there with his family and
:10:01. > :10:06.the house wasn't for students. Mario realised he had been scammed -
:10:07. > :10:13.he was devastated. I was very tired, there was a feeling of kind of
:10:14. > :10:20.frustration. I was scammed for my money and it's money I won't see
:10:21. > :10:29.again in my life. The conman seems to have got clean
:10:30. > :10:34.away with Mario's hard earned cash. But how could Mario have been
:10:35. > :10:43.scammed so easily? Remember he says he only used what looked like a
:10:44. > :10:52.university website to find a home. This is it - a website run by a
:10:53. > :10:55.company called Studentpad. Anyone looking at it could be mistaken for
:10:56. > :11:01.thinking it's an official university site. But how secure is the site?
:11:02. > :11:07.I'm going to set myself up as a scammer and try to contact Mario via
:11:08. > :11:12.the message board he used. I've just created an email in a fake name.
:11:13. > :11:18.Let's see what happens when I try to reply to Mario's ad. I am able to
:11:19. > :11:22.post a message. But the website says it will be vetted by a university
:11:23. > :11:27.administrator. So it looks like students are being protected from
:11:28. > :11:31.any conmen who might be out there. But when Mario answers our message,
:11:32. > :11:36.his reply doesn't go through the message board, it goes straight to
:11:37. > :11:42.our fake inbox. So we've now got his email address. Within a few hours,
:11:43. > :11:46.Mario could be talking to a random stranger with a fake email address,
:11:47. > :11:53.away from any kind of university monitoring.
:11:54. > :11:56.Now, Studentpad say they can't find any trace of Fran Spenca using their
:11:57. > :12:02.website, so we'll probably never know exactly how the conman got hold
:12:03. > :12:08.of Mario's details. He's now put it down to experience and is getting on
:12:09. > :12:12.with his studies. It's unlikely that Mario will ever
:12:13. > :12:16.see that money again. But there is some good news. Within hours of us
:12:17. > :12:23.contacting Studentpad, they had radically improved the security on
:12:24. > :12:27.that website. You now have to have a password - issued by the University
:12:28. > :12:33.- to use that message board - and you have to be a student to get one.
:12:34. > :12:36.And Studentpad have put that security measure in place on the
:12:37. > :12:39.accomodation websites they run for Universities across the UK.
:12:40. > :12:43.Hopefully that will go some way to keep scammers at bay. The University
:12:44. > :12:47.and Studentpad both say they give lots of advice to students to
:12:48. > :12:53.prevent fraud - and say you should never hand over money until you see
:12:54. > :12:58.the property. Now, this is a common scam. But there are loads of other
:12:59. > :13:03.pitfalls for students and the rest of us who need to rent smewhere to
:13:04. > :13:05.live. Here in Swansea there's a large student population. Let's find
:13:06. > :13:12.out what problems they've encountered. We had a real issue
:13:13. > :13:16.with damp coming in through the ceiling, it was coming off some
:13:17. > :13:19.cavity walls. It was causing a big problem. What happened when you
:13:20. > :13:22.contacted the landlord to try and get it fixed? It was always, yeah,
:13:23. > :13:26.OK, we'll get someone round. Six months would go by and, yeah we'll
:13:27. > :13:30.get someone round. Yeah, someone is coming, just having a few delays. We
:13:31. > :13:34.had a fixed bills payment on one. And at the end of our agreement, we
:13:35. > :13:38.had to pay more than we expected, which was a bit frustrating. There
:13:39. > :13:42.was administration fees. How much were they? Three...no, ?70 each.If
:13:43. > :13:47.you forget your rent, then that's a ?30 charge as well. It took me about
:13:48. > :13:52.two months to get my bond back. There was no issues with me room or
:13:53. > :13:56.anything like that. It was just poor communication between him and
:13:57. > :14:00.actually releasing it. As it happens, the Uplands here in Swansea
:14:01. > :14:04.is the base for the housing charity Shelter Cymru. They've agreed to
:14:05. > :14:15.give us some top tips on how to keep your cash safe in today's housing
:14:16. > :14:19.market. Is there anything you can do to protect yourself? You could check
:14:20. > :14:22.if your landlord is accredited with the voluntary scheme in Wales. If
:14:23. > :14:25.you're a student and the landlord lets to students, check with the
:14:26. > :14:29.Students Union or the Housing Office - have they had contact with this
:14:30. > :14:32.landlord before? Do they know if they're a bona fide person? Make
:14:33. > :14:36.sure you have their name and address. If it's a gas central
:14:37. > :14:39.heated property, ask for a copy of the gas certificate. Are there any
:14:40. > :14:43.other things people should watch out for before they sign on the dotted
:14:44. > :14:46.line? If in doubt take advice, Lucy. We've got telephone advice services,
:14:47. > :14:49.we've also got a new service, which is called Advice Online, you can
:14:50. > :14:52.download documents from. Check your agreement very carefully and make
:14:53. > :14:56.sure there's no dodgy clauses in there about having to pay fees for
:14:57. > :14:59.keys or letting agent fees that seem excessive. Those are the sorts of
:15:00. > :15:02.things to consider. How should you keep your deposit safe? Well, the
:15:03. > :15:05.landlord must under the law protect the deposit and provide the
:15:06. > :15:09.information on where it's protected within 30 days of you paying in the
:15:10. > :15:12.deposit. If the landlord doesn't do that, it gives you additional
:15:13. > :15:16.protection from eviction and you can sue the landlord for the deposit to
:15:17. > :15:20.be returned to you and the value of the money. You can ask your
:15:21. > :15:23.landlord, before you sign the agreement, which scheme do you use
:15:24. > :15:27.and how do you protect it, when will you provide me the information.
:15:28. > :15:31.They're going to be aware then that they've got to do it or there will
:15:32. > :15:38.be consequences for them too. Really good advice - William, thank you
:15:39. > :15:42.very much. Next: If there's one thing I hate it's being put on hold
:15:43. > :15:46.when I ring a company with a query or a complaint. And I'm not alone.
:15:47. > :15:54.According to one recent survey it's our number one gripe. It's
:15:55. > :16:06.frustrating, it's downright maddening, being kept on hold when
:16:07. > :16:11.you need help. You're patient, you sit for 30 minutes? Well, you have
:16:12. > :16:15.to or you don't get nothing done. Oh I don't like the music, I'd rather
:16:16. > :16:19.speak to someone first then if they have to put you on hold to find the
:16:20. > :16:23.information then that's OK as long as they're telling you what they're
:16:24. > :16:26.doing. When you're put on hold just to wait, that's really annoying. I
:16:27. > :16:34.enjoy the music. I have a little sing-song to it. Do you enjoy being
:16:35. > :16:38.kept on hold? No, I don't. No. I was on 20 minutes last week, to this
:16:39. > :16:47.company, and in the end I put the phone down. And one of the worst
:16:48. > :16:50.offenders is HM Revenue and Customs, as Cerys Burton from Newbridge knows
:16:51. > :16:55.only too well. She's been trying to talk to them for weeks. The first
:16:56. > :16:59.night I was on hold for an hour and a half. It doesn't tell you how long
:17:00. > :17:03.you're going to wait. It doesn't tell you what your number is in the
:17:04. > :17:07.queue. It just says, "please hold for the next available person to
:17:08. > :17:10.help you." So how long are we being kept on hold? Thousands of us call
:17:11. > :17:13.HM Revenue and Customs every year with enquiries about our child
:17:14. > :17:17.benefit or just questions about our tax. But we've been told they have a
:17:18. > :17:22.habit of keeping people waiting, so lets see...
:17:23. > :17:25.Please hold until an advisor becomes available. Well, I might as well put
:17:26. > :17:46.the dinner on whilst I'm on hold. Still on hold. And I'm not the only
:17:47. > :17:50.one having problems... Cerys has been trying to pay money BACK to the
:17:51. > :17:56.tax office for months. She first called them on the 20th August.
:17:57. > :18:02.Please hold until an advisor becomes available. For an hour and a half I
:18:03. > :18:06.kept thinking I would be next, but I never was. The next night she tried
:18:07. > :18:09.again. I started holding at 5:30. I still had to get the sandwiches
:18:10. > :18:13.ready, the school uniform ready, my clothes for work ready, still trying
:18:14. > :18:17.to clean the house. I can't just stop for two and a half hours, but I
:18:18. > :18:20.haven't got a loudspeaker on my phone so it was constantly held to
:18:21. > :18:25.my ear, me and my husband were taking it in turns, and at 8pm, 2.5
:18:26. > :18:28.hours later I was just cut off saying "the offices are now closed,
:18:29. > :18:33.please ring back tomorrow". Thanks for calling, Goodbye Cerys was
:18:34. > :18:38.determined to get hold of HMRC somehow to see how much she needed
:18:39. > :18:46.to pay. She sent a letter recorded delivery but just like her calls,
:18:47. > :18:50.she says it hasn't been answered. I don't like owing people money, I
:18:51. > :18:54.want to pay them back. I want to pay them back by instalments, but I just
:18:55. > :18:58.can't get through to this faceless company. I can't email them, can't
:18:59. > :19:02.write to them, I can't ring them. I just can't get through to them. I am
:19:03. > :19:05.worried because the deadline's passed now. I've got a perfect
:19:06. > :19:09.credit history and I am worried that this has affected it, even though
:19:10. > :19:13.I've tried to pay. So that is one thing that is a cause of concern to
:19:14. > :19:16.me. Thank you for holding. Well, this pasta has been boiling for 11
:19:17. > :19:20.minutes and I still haven't got through to the taxman! Maybe its
:19:21. > :19:26.time to make this more than just a quick snack!
:19:27. > :19:32.Please hold the line whilst we try to connect you. We decided to
:19:33. > :19:42.conduct our own survey to see how long it would take HMRC to answer
:19:43. > :19:46.our calls - and guess what? They kept us waiting and waiting. Oh, at
:19:47. > :19:51.last I got through, and it's taken just over 15 minutes. At least I've
:19:52. > :19:55.got my dinner cooked! And that wasn't the longest. We made 30 calls
:19:56. > :19:59.to HMRC at different times over three days. On average it took
:20:00. > :20:05.nearly eight minutes to get through. The longest time was more than 26
:20:06. > :20:09.minutes. And twice we were simply cut off. Now many companies
:20:10. > :20:13.including HMRC charge customers for making these calls, so we're
:20:14. > :20:17.actually paying to be kept on hold. HMRC's 0845 number costs up to 11p a
:20:18. > :20:25.minute from a landline and up to 41p a minute from a mobile. I could get
:20:26. > :20:29.a takeaway for that! It's cost me nearly ?20 trying to get hold of
:20:30. > :20:33.them and in the letter I wrote to them, I've asked for that to be
:20:34. > :20:37.taken off my bill because I don't think it's right that I should have
:20:38. > :20:44.to pay that. Thanks for calling - goodbye! Well, when we got in touch
:20:45. > :20:47.with HMRC they told us they are "determined to do better". They
:20:48. > :20:50.believe callers should be able to talk to them for the lowest cost
:20:51. > :20:54.possible, so have introduced 03 numbers which are cheaper for most
:20:55. > :20:58.people. They also say that they are trying out a call waiting system to
:20:59. > :21:02.let people know how long they'll be waiting. On top of that Cerys tells
:21:03. > :21:07.us that after we contacted HMRC they got in touch and are currently
:21:08. > :21:12.sorting out her problem. Great result! Now let's get back to our
:21:13. > :21:18.investigation into those bogus insurance brokers. Rachel takes up
:21:19. > :21:21.the story.. Earlier in the programme we told you about the ghost brokers
:21:22. > :21:25.- people who sell fraudulent insurance policies at knock-down
:21:26. > :21:31.prices. They've been using my address. And it's not just me - many
:21:32. > :21:34.of my neighbours in Saundersfoot have also been receiving letters
:21:35. > :21:36.from insurance companies - about bogus policies bought by drivers
:21:37. > :21:52.keen to save cash. My husband said we had another one
:21:53. > :21:56.and I knew exactly what we meant. Now X-ray is going to try to track
:21:57. > :22:00.down some these shadowy individuals and gangs. I'm told they sometimes
:22:01. > :22:06.advertise on free ad sites - a case of mobile numbers and first names
:22:07. > :22:08.only. Well, it didn't take me long to find around a dozen
:22:09. > :22:12.suspicious-looking adverts, so what will they tell us when we ring them
:22:13. > :22:18.up with the details of an imaginary driver? Meet Barry Thomas - a
:22:19. > :22:25.25-year-old sales rep with a fast car, nine points on his licence and
:22:26. > :22:27.no no-claims bonus. Not surprisingly the best official quote we get is a
:22:28. > :22:45.whopping ?2800! I've been quoted quite a lot for my
:22:46. > :22:55.BMW and I was just giving you a call to see if I could get a quote for
:22:56. > :22:58.your insurance please? Ever had a conversation like that when you've
:22:59. > :23:01.taken out motor insurance? No, me neither. That was apparently Anas
:23:02. > :23:04.from London, and we've also spoken to someone called Kessa from
:23:05. > :23:07.Birmingham. Both asked us to text them our details, before responding
:23:08. > :23:21.with the same price - ?1300. Less than half the best official quote.
:23:22. > :23:29.Hi Anas? This is Barry Thomas, you texted me over the weekend about
:23:30. > :23:33.insurance. So how would I get the money to you? And it's all like
:23:34. > :23:51.above board, yeah? It's all legit and stuff? Now if we'd gone through
:23:52. > :23:54.with the deal - we'd have been e-mailed a policy. But who knows
:23:55. > :23:57.what lies the ghost broker would have told to buy that cover from a
:23:58. > :24:01.legitimate insurer. We know they often pay for it with a stolen
:24:02. > :24:05.credit card, so what will insurance fraud expert Glen Marr make of our
:24:06. > :24:08.calls? They're talking about meeting, paying cash, using a
:24:09. > :24:11.personal bank account, communicating via text. This is just not how
:24:12. > :24:14.insurance policies are legitimately purchased and nothing about these
:24:15. > :24:29.calls suggests they are bona fide individuals working for a regulated
:24:30. > :24:33.entity in the insurance sector. Now we have had it confirmed, let's see
:24:34. > :24:50.what they say when we actually confront them. This time I am making
:24:51. > :24:53.the calls. Hi there, is that Anas? Hi, my name is Rachel
:24:54. > :24:56.Treadaway-Williams. I'm actually calling from the BBC. One of our
:24:57. > :24:59.team actually called you, calling themselves Barry Thomas, and got a
:25:00. > :25:06.quote for car insurance. Does this sound familiar? HANGS UP.
:25:07. > :25:11.Obviously did not like the questions, not keen to answer those.
:25:12. > :25:13.Next we try Kessa. He says he only provides trade insurance policies
:25:14. > :25:17.for businesses selling cars - something not mentioned in the
:25:18. > :25:23.advert we'd seen or in our earlier conversations. He says he's working
:25:24. > :25:29.for someone else, but won't say who. I don't wish to give any names to be
:25:30. > :25:33.honest. So how can we get proof then that what you're doing is legal? Of
:25:34. > :25:36.course it's legal, because I've just told you that it's through his
:25:37. > :25:42.insurance? The fact that you've told me doesn't mean it's legal. He'd
:25:43. > :25:45.have to be registered with the Financial Conduct Authority for it
:25:46. > :25:49.to be legal. Well, that I don't know, to be honest. He's got his own
:25:50. > :25:54.fleet policy and trade policies and he can add people on there, not a
:25:55. > :25:59.problem. The advert speaks about cheap auto insurance quote. It was
:26:00. > :26:02.advertised as you being based at Balsall Heath in Birmingham. Your
:26:03. > :26:08.number's on there. It also mentioned bizarrely that you were selling new
:26:09. > :26:14.Apple iPhones as well. Where on that advert does it talk about trade
:26:15. > :26:20.insurance? Nowhere! Of course it does. It does not mention trade
:26:21. > :26:24.insurance. Well, then you are not seeing it properly, simple as. HANGS
:26:25. > :26:32.UP. There you go - so we did finally
:26:33. > :26:36.speak to Kessa - not very convincing, Anas hung up on us. Not
:26:37. > :26:39.really sure you'd want to buy something as critical as car
:26:40. > :26:42.insurance from either of these people. So why hasn't the industry
:26:43. > :26:46.managed to close the loopholes used by the criminals? Glen Marr says
:26:47. > :26:52.they are making it tougher, but some insurers could still do more. There
:26:53. > :26:55.are simple checks that can be done to establish, is the person on the
:26:56. > :26:58.insurance application actually living at that address? Well, if
:26:59. > :27:03.they're not, then they shouldn't ordinarily be offering the cover in
:27:04. > :27:07.the first instance. So how many more of Mr Bayryan's letters am I going
:27:08. > :27:10.to get? Well, the good news is that once the legitimate insurers get too
:27:11. > :27:14.familiar with certain towns or addresses, the ghost-brokers start
:27:15. > :27:22.using new ones. I'm not the only one hoping they'll soon stop using
:27:23. > :27:25.Saundersfoot. Before we go, time to mention that investigations into
:27:26. > :27:29.companies taking cash and promising benefits under the Green Deal were
:27:30. > :27:33.mentioned in a House of Commons debate today. Eco Green Deal
:27:34. > :27:36.Solutions has now shut down, I am delighted to say, after the consumer
:27:37. > :27:39.watchdog programme X-Ray on BBC Wales found that several customers
:27:40. > :27:46.who were not eligible were charged up to ?249 for arrangement and
:27:47. > :27:50.assessment fees. Mr Murphy then went on to describe another company we
:27:51. > :27:53.featured back in June. The company that has caused most concern
:27:54. > :27:56.throughout south Wales, including in my honourable friend's constituency,
:27:57. > :28:00.is Becoming Green. It has caused great distress to some constituents
:28:01. > :28:06.who came to see me, and among other things, it caused me to raise the
:28:07. > :28:10.matter in Parliament. It is charging older people ?299 for what it calls
:28:11. > :28:19.its advice service, and when it is challenged, my constituents are
:28:20. > :28:23.unable to get their money back. Well, we'll be back with more news
:28:24. > :28:27.on that company next week. And if you've got more to say, our phone
:28:28. > :28:29.lines are open now - so if you've got a problem remember to get in
:28:30. > :28:30.touch. you've got more to say, our phone
:28:31. > :28:34.lines are open now - so Give us a call on 03703 334 334. Or if you
:28:35. > :28:37.prefer send us an e-mail - xray@bbc.co.uk. We'll be reading
:28:38. > :28:40.them all in the morning. We'll be back same day same time next week.