17/05/2014 Your Money


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`` at stake. This is Your Money, your weekly


guide to making the most of your cash, here every weekend on BBC News


and available all week on the BBC iPlayer.


Hundreds of holiday`makers have been evacuated from Kenya. We will tell


you your rights if you have had to cut your holiday short or


reschedule. They sell everything from bananas to


vintage hats. There is nothing you can't buy from your local market.


But do you have the same rights if the product isn't up to scratch?


And how scammers are leaving some music lovers and holiday`makers out


of pocket. We will tell you how to avoid being another victim.


The Foreign Office is telling holiday`makers not to travel to


parts of Kenya following Friday's bomb attacks in the nation's capital


Nairobi. The Foreign Office says we should avoid unless it is absolutely


essential parts of Nairobi, all of Mombassa, and the stretch of land


that's within 60 miles of the border with Somalia.


British tourists who are there already ` about 500 of them ` are


being flown home. Thompson and First Choice have cancelled all their


flights there until October. Kuoni has suspended its holidays to the


Kenyan coast. Ilana Rapaport is from the travel association ABTA. Welcome


to the programme. These travel companies clearly had a plan because


they have swung into action so quickly. What happens if you are


flown back before your holiday is over? Do they give you a partial


refund? The companies in that area have contingency plans. In this


case, the vast majority of customers have been offered a refund or


rebooking. Smaller operators might choose to move the itinerary for


word. For example, if they were planning to go to Tanzania, they


could do that now. Smaller operators will have different contingency


plans. It could be an option that you could be offered half a week


holiday somewhere else but you can't get time away from work. Customers


are protected. They will either get a refund or rebooking. The Foreign


Office is saying that if you are in those areas you should return home


unless it is essential. What if you have been out there under your own


steam and you now need to get back home? Does anyone look after you?


The important thing is you risk negating your travel insurance if


you don't follow the advice. It is important to speak to your insurer


about what the next steps are. There are different ways to manage the


situation. The important thing is to contact the carrier or the insurer.


If you have booked a holiday under no told not to go there, do you get


your money back or e`book? If you have a booking to Kenya, but that


specific area of Kenya, it is important to see that flight into


Nairobi are not affected and many safaris are not affected, the


messages to contact your travel provider they will let you know what


their plans are to amend bookings or give refunds.


One other snippet that caught our eye about a small holiday company


called Air Parade also trading under the names Villa Parade, Car Parade,


Golf Parade ` but not, as far as we know, Band Parade. It stopped


trading during the week. It has got 70 customers abroad. Up to 2,000


have bookings for future holidays. Only some of those customers have


booked package. If you have only put a villa or a flight, what are your


rights? There is a section on our website for accommodation only. You


should be able to make a claim to reimburse you for the cost of the


accommodation. If you put your own flights and still want to take the


holiday, flight only will not be reimbursed. How do you check if your


travel arrangements are covered? Normally the ATO El badge should be


displayed. Thank you for your advice.


If you get a letter in the next month from a company called CPP, it


might be worth reading. The company sold card protection ` insurance in


case we lost our credit card ` or in case someone stole our identity and


used it to steal money in our name. Millions of us were persuaded to pay


for this insurance, but in many cases, we didn't actually need it.


CPP is now paying compensation. It sent out claim forms in February.


?16 million has been paid out already. But there's still lots left


unclaimed, so now the company is sending out reminder letters. The


deadline for claiming is the end of August. If you've not had a letter


but think you should get compensation, go to


www.cppredressscheme.co.uk. Roll`up, roll`up. Two for a pound.


Kevin Peachey has been looking at street markets and our rights when


we shop there. The street market of yesteryear was


all hustle and bustle, cloth caps and kippers. Colourful characters


were you could strike a deal for your daily groceries. That was then


and this is now. Markets are trying to be a little less Del Boy under


little more designer. Still selling themselves on prices that have been


cut. There are different types of markets. Vintage, food, all those


products you count find elsewhere. It is really accessible for people.


They are meeting places. Stalls have been trading here in Cambridge since


the Middle Ages. This market has improved since I was a child. This


is fresh, local and you know where it has come from. It is nice to


treat yourself to some fresh bread. I have a lovely pie from the WI


stall where local ladies bake. The size of traditional markets punk,


but they have not disappeared. At the last count there were well over


1000 regular markets in the UK. Councils invest because they want to


see fresh ideas as well as fresh produce. Small businesses that start


in a place like this might go on to populate the empty shops on the high


Street. These traders can quickly get their pitch. What are your


rights if something you buy from them goes wrong? Your rights are


essentially the same as from a high street retailer. Satisfactory


quality and fit for purpose. If something is broken, go back and


speak to the retailer. You have a right to refund, replacement or


compensation. That will vary depending on how long you have had


them on what the goods are. What happens if the trader has already


gone? Speak to the organiser and then Trading Standards. Today,


markets despite their historical roots, still work hard to show they


are safe and stylish for shoppers, to help our town and city centres


blossom. Lovely apples and pears.


The energy company E.On is to pay out ?12 million to some of its


customers. It has been selling the wrong deals to some of its


customers. It is the biggest`ever find for mis`selling ever imposed by


the energy watchdog. It means money back for over 330,000 of its poorest


customers. The fine will be spent on them. Customers who get the Warm


Home Discount ` that includes pensioners, people with disabilities


and poorer families ` will get ?35 each whether they were sold the


wrong energy deal or not. Another 465,000 customers might be entitled


to compensation. The company is going to write to them. If you don't


get a letter and think you may have been sold the wrong deal, you can


contact the company on 0800 0568 497.


Buying a holiday? Going to a gig? The scammers are after you. The


Association of Chief Police Officers says we were tricked into paying


over ?3.7 million to ticket fraudsters in 2013. Over 20% of


complaints about scammers were from people who had booked tickets for


plane flights. Almost 700 complaints were from concert goers. 10% of


ticket frauds affected people going to festivals. Anyone going to big


sporting events were also targeted. Detective Superintendent Peter


O'Doherty is director of Action Fraud. He's also on the National


Fraud Intelligence Bureau. This must be the prime season for fraudsters


if they are going after people buying tickets? Pretty much all of


the music festivals, and then the peak in September for holidays.


There are lots of precautions that we can take as a public. In terms of


how they work, if you buy a legitimate ticket then you will get


a certificate. A fraudster will then undercut the market price and every


time he sells the ticket he will provide a certificate of


authentication. Near the time of the flights, the fraudster will say that


due to increases in tax you will have to pay a surcharge. The Robbie


and then they come back and take some work. `` they rob you. In a lot


of cases tickets are not released until the last possible moment. This


scam can be spun out over some period of time. Unlike other


commodities, for example doing online food shopping, you expected


to come tomorrow. But from the tickets, it will not be too two


weeks before the event that you will get the tickets. The issue there is


that it we see very little time to check the legitimacy and


authenticity of the ticket. Is this all done on the Internet or is it


face`to`face? There are some face`to`face transactions. The


Internet is accessible, our lives are no digital and physical


relationship is made redundant. Head we protect ourselves? There are a


number of things we can do, we just need to take some precautions. Make


sure that the letters HTTPS appear in the browser. That means that the


website is legitimate. It is good to have payment protection on your


credit card, that affords you some protection. In the browser bar, look


for a padlock symbol, that means that your payment is protected. If


you are that suspicious then go to a search engine, type in the word


forum followed by the name of the business. See what other people have


said. Thank you. That is all for us this week. You can keep up`to`date


all week long with whatever topic takes your fancy. You will find the


details on the website. You can get updates by following our


feed on social media. Thanks are watching. `` thanks for watching.


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