17/05/2014 Your Money

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

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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.