:00:12. > :00:15.`` at stake. This is Your Money, your weekly
:00:16. > :00:18.guide to making the most of your cash, here every weekend on BBC News
:00:19. > :00:24.and available all week on the BBC iPlayer.
:00:25. > :00:35.Hundreds of holiday`makers have been evacuated from Kenya. We will tell
:00:36. > :00:37.you your rights if you have had to cut your holiday short or
:00:38. > :00:40.reschedule. They sell everything from bananas to
:00:41. > :00:43.vintage hats. There is nothing you can't buy from your local market.
:00:44. > :00:46.But do you have the same rights if the product isn't up to scratch?
:00:47. > :00:50.And how scammers are leaving some music lovers and holiday`makers out
:00:51. > :00:52.of pocket. We will tell you how to avoid being another victim.
:00:53. > :00:54.The Foreign Office is telling holiday`makers not to travel to
:00:55. > :00:57.parts of Kenya following Friday's bomb attacks in the nation's capital
:00:58. > :01:00.Nairobi. The Foreign Office says we should avoid unless it is absolutely
:01:01. > :01:03.essential parts of Nairobi, all of Mombassa, and the stretch of land
:01:04. > :01:10.that's within 60 miles of the border with Somalia.
:01:11. > :01:13.British tourists who are there already ` about 500 of them ` are
:01:14. > :01:16.being flown home. Thompson and First Choice have cancelled all their
:01:17. > :01:19.flights there until October. Kuoni has suspended its holidays to the
:01:20. > :01:26.Kenyan coast. Ilana Rapaport is from the travel association ABTA. Welcome
:01:27. > :01:31.to the programme. These travel companies clearly had a plan because
:01:32. > :01:35.they have swung into action so quickly. What happens if you are
:01:36. > :01:45.flown back before your holiday is over? Do they give you a partial
:01:46. > :01:53.refund? The companies in that area have contingency plans. In this
:01:54. > :02:04.case, the vast majority of customers have been offered a refund or
:02:05. > :02:09.rebooking. Smaller operators might choose to move the itinerary for
:02:10. > :02:21.word. For example, if they were planning to go to Tanzania, they
:02:22. > :02:26.could do that now. Smaller operators will have different contingency
:02:27. > :02:31.plans. It could be an option that you could be offered half a week
:02:32. > :02:39.holiday somewhere else but you can't get time away from work. Customers
:02:40. > :02:47.are protected. They will either get a refund or rebooking. The Foreign
:02:48. > :02:51.Office is saying that if you are in those areas you should return home
:02:52. > :02:57.unless it is essential. What if you have been out there under your own
:02:58. > :03:02.steam and you now need to get back home? Does anyone look after you?
:03:03. > :03:07.The important thing is you risk negating your travel insurance if
:03:08. > :03:15.you don't follow the advice. It is important to speak to your insurer
:03:16. > :03:18.about what the next steps are. There are different ways to manage the
:03:19. > :03:25.situation. The important thing is to contact the carrier or the insurer.
:03:26. > :03:33.If you have booked a holiday under no told not to go there, do you get
:03:34. > :03:42.your money back or e`book? If you have a booking to Kenya, but that
:03:43. > :03:47.specific area of Kenya, it is important to see that flight into
:03:48. > :03:55.Nairobi are not affected and many safaris are not affected, the
:03:56. > :04:00.messages to contact your travel provider they will let you know what
:04:01. > :04:03.their plans are to amend bookings or give refunds.
:04:04. > :04:07.One other snippet that caught our eye about a small holiday company
:04:08. > :04:10.called Air Parade also trading under the names Villa Parade, Car Parade,
:04:11. > :04:18.Golf Parade ` but not, as far as we know, Band Parade. It stopped
:04:19. > :04:24.trading during the week. It has got 70 customers abroad. Up to 2,000
:04:25. > :04:33.have bookings for future holidays. Only some of those customers have
:04:34. > :04:43.booked package. If you have only put a villa or a flight, what are your
:04:44. > :04:50.rights? There is a section on our website for accommodation only. You
:04:51. > :04:54.should be able to make a claim to reimburse you for the cost of the
:04:55. > :05:10.accommodation. If you put your own flights and still want to take the
:05:11. > :05:26.holiday, flight only will not be reimbursed. How do you check if your
:05:27. > :05:38.travel arrangements are covered? Normally the ATO El badge should be
:05:39. > :05:41.displayed. Thank you for your advice.
:05:42. > :05:44.If you get a letter in the next month from a company called CPP, it
:05:45. > :05:48.might be worth reading. The company sold card protection ` insurance in
:05:49. > :05:54.case we lost our credit card ` or in case someone stole our identity and
:05:55. > :05:57.used it to steal money in our name. Millions of us were persuaded to pay
:05:58. > :06:00.for this insurance, but in many cases, we didn't actually need it.
:06:01. > :06:03.CPP is now paying compensation. It sent out claim forms in February.
:06:04. > :06:07.?16 million has been paid out already. But there's still lots left
:06:08. > :06:12.unclaimed, so now the company is sending out reminder letters. The
:06:13. > :06:15.deadline for claiming is the end of August. If you've not had a letter
:06:16. > :06:23.but think you should get compensation, go to
:06:24. > :06:28.www.cppredressscheme.co.uk. Roll`up, roll`up. Two for a pound.
:06:29. > :06:35.Kevin Peachey has been looking at street markets and our rights when
:06:36. > :06:39.we shop there. The street market of yesteryear was
:06:40. > :06:45.all hustle and bustle, cloth caps and kippers. Colourful characters
:06:46. > :06:50.were you could strike a deal for your daily groceries. That was then
:06:51. > :07:00.and this is now. Markets are trying to be a little less Del Boy under
:07:01. > :07:04.little more designer. Still selling themselves on prices that have been
:07:05. > :07:16.cut. There are different types of markets. Vintage, food, all those
:07:17. > :07:24.products you count find elsewhere. It is really accessible for people.
:07:25. > :07:29.They are meeting places. Stalls have been trading here in Cambridge since
:07:30. > :07:37.the Middle Ages. This market has improved since I was a child. This
:07:38. > :07:47.is fresh, local and you know where it has come from. It is nice to
:07:48. > :07:58.treat yourself to some fresh bread. I have a lovely pie from the WI
:07:59. > :08:04.stall where local ladies bake. The size of traditional markets punk,
:08:05. > :08:10.but they have not disappeared. At the last count there were well over
:08:11. > :08:15.1000 regular markets in the UK. Councils invest because they want to
:08:16. > :08:19.see fresh ideas as well as fresh produce. Small businesses that start
:08:20. > :08:25.in a place like this might go on to populate the empty shops on the high
:08:26. > :08:28.Street. These traders can quickly get their pitch. What are your
:08:29. > :08:34.rights if something you buy from them goes wrong? Your rights are
:08:35. > :08:41.essentially the same as from a high street retailer. Satisfactory
:08:42. > :08:46.quality and fit for purpose. If something is broken, go back and
:08:47. > :08:53.speak to the retailer. You have a right to refund, replacement or
:08:54. > :08:59.compensation. That will vary depending on how long you have had
:09:00. > :09:06.them on what the goods are. What happens if the trader has already
:09:07. > :09:13.gone? Speak to the organiser and then Trading Standards. Today,
:09:14. > :09:19.markets despite their historical roots, still work hard to show they
:09:20. > :09:24.are safe and stylish for shoppers, to help our town and city centres
:09:25. > :09:29.blossom. Lovely apples and pears.
:09:30. > :09:33.The energy company E.On is to pay out ?12 million to some of its
:09:34. > :09:36.customers. It has been selling the wrong deals to some of its
:09:37. > :09:39.customers. It is the biggest`ever find for mis`selling ever imposed by
:09:40. > :09:42.the energy watchdog. It means money back for over 330,000 of its poorest
:09:43. > :09:45.customers. The fine will be spent on them. Customers who get the Warm
:09:46. > :09:48.Home Discount ` that includes pensioners, people with disabilities
:09:49. > :09:51.and poorer families ` will get ?35 each whether they were sold the
:09:52. > :09:58.wrong energy deal or not. Another 465,000 customers might be entitled
:09:59. > :10:04.to compensation. The company is going to write to them. If you don't
:10:05. > :10:07.get a letter and think you may have been sold the wrong deal, you can
:10:08. > :10:09.contact the company on 0800 0568 497.
:10:10. > :10:14.Buying a holiday? Going to a gig? The scammers are after you. The
:10:15. > :10:17.Association of Chief Police Officers says we were tricked into paying
:10:18. > :10:19.over ?3.7 million to ticket fraudsters in 2013. Over 20% of
:10:20. > :10:23.complaints about scammers were from people who had booked tickets for
:10:24. > :10:30.plane flights. Almost 700 complaints were from concert goers. 10% of
:10:31. > :10:40.ticket frauds affected people going to festivals. Anyone going to big
:10:41. > :10:42.sporting events were also targeted. Detective Superintendent Peter
:10:43. > :10:49.O'Doherty is director of Action Fraud. He's also on the National
:10:50. > :10:54.Fraud Intelligence Bureau. This must be the prime season for fraudsters
:10:55. > :11:07.if they are going after people buying tickets? Pretty much all of
:11:08. > :11:13.the music festivals, and then the peak in September for holidays.
:11:14. > :11:23.There are lots of precautions that we can take as a public. In terms of
:11:24. > :11:31.how they work, if you buy a legitimate ticket then you will get
:11:32. > :11:44.a certificate. A fraudster will then undercut the market price and every
:11:45. > :11:50.time he sells the ticket he will provide a certificate of
:11:51. > :11:59.authentication. Near the time of the flights, the fraudster will say that
:12:00. > :12:03.due to increases in tax you will have to pay a surcharge. The Robbie
:12:04. > :12:10.and then they come back and take some work. `` they rob you. In a lot
:12:11. > :12:14.of cases tickets are not released until the last possible moment. This
:12:15. > :12:19.scam can be spun out over some period of time. Unlike other
:12:20. > :12:25.commodities, for example doing online food shopping, you expected
:12:26. > :12:31.to come tomorrow. But from the tickets, it will not be too two
:12:32. > :12:35.weeks before the event that you will get the tickets. The issue there is
:12:36. > :12:38.that it we see very little time to check the legitimacy and
:12:39. > :12:44.authenticity of the ticket. Is this all done on the Internet or is it
:12:45. > :12:51.face`to`face? There are some face`to`face transactions. The
:12:52. > :12:57.Internet is accessible, our lives are no digital and physical
:12:58. > :13:03.relationship is made redundant. Head we protect ourselves? There are a
:13:04. > :13:16.number of things we can do, we just need to take some precautions. Make
:13:17. > :13:22.sure that the letters HTTPS appear in the browser. That means that the
:13:23. > :13:27.website is legitimate. It is good to have payment protection on your
:13:28. > :13:30.credit card, that affords you some protection. In the browser bar, look
:13:31. > :13:36.for a padlock symbol, that means that your payment is protected. If
:13:37. > :13:42.you are that suspicious then go to a search engine, type in the word
:13:43. > :13:48.forum followed by the name of the business. See what other people have
:13:49. > :13:53.said. Thank you. That is all for us this week. You can keep up`to`date
:13:54. > :13:59.all week long with whatever topic takes your fancy. You will find the
:14:00. > :14:06.details on the website. You can get updates by following our
:14:07. > :14:20.feed on social media. Thanks are watching. `` thanks for watching.