Money Box

What could the new plans for leasehold reform mean for you? Housing Secretary Robert Jenrick has announced what he calls the biggest reforms to English property law for 40 years, making it easier and cheaper for leaseholders to buy their freehold or extend their lease and introducing Commonhold tenure.On Wednesday's programme Felicity Hannah and guests take a look at the new proposals and ask how the system works in Scotland, where leaseholds were abolished in 2004. On the panel:Alan Cook, Partner, Pinsent Masons, Glasgow Sebastian O’Kelly, CEO, Leasehold Knowledge Partnership Dona Awano, Solicitor, Commonhold and Leasehold Experts LimitedWe'd love to hear your questions and experiences so e-mail moneybox@bbc.co.uk now to join the conversation.Presenter: Felicity Hannah Producer: Diane Richardson Editor: Rosamund Jones

If there is a hundred pounds or more credit on your electricity or gas account you can get it back. We tell you how to do it and explain what the situation is if the firm has gone bust.Simon York is the man in charge of tackling fraud at Her Majesty’s Revenues & Customs. We find out how much of the furlough grants have been lost to criminals.What happens to drivers whose car is parked on the street but can’t afford to get it taxed or MOT’d?And the man who asked his insurer a question and the answer cost him £350.Presenter: Paul Lewis Reporter: Ben Carter Researcher: Sowda Ali Producer: Alex Lewis Editor: Rosamund Jones

Bitcoin values again capture the headlines, some central banks are developing their own digital currencies and PayPal and Facebook are entering the market.Digital currencies are evolving rapidly but what do you need to know before you consider buying, storing or selling cryptocurrencies?On Wednesday’s Money Box Live, Louise Cooper and guests discuss the development and the risks of digital currencies and we'd love to hear your stories too. e-mail moneybox@bbc.co.uk now with your questions and experiences.On the panel:Marcus Hughes, Coinbase UK and Europe General Manager Olinga Taeed, Visiting Professor in Blockchain, Birmingham City Business School Presenter: Louise Cooper Producer: Diane Richardson Editor: Emma Rippon

For the first time since 1974 the United Kingdom is not part of the European Union, so how will this affect your finances?We look at the new Global Health Insurance card and explore why we might end up with better compensation for delayed flights.We also discover why some banks are closing UK accounts held by people living in the EU... and some aren't. And ask what UK pensions and benefits will be paid in future to British emigrants living in EU countries?Presenter: Paul Lewis Reporter: Ben Carter Producer: Alex Lewis Editor: Richard Vadon

How good are you with money? Are you a saver, a spender or a canny investor and where did you learn those skills - from family, school, or maybe you taught yourself through the university of life? On Wednesday’s programme we want to find out what makes financial education work well, what do young people want to learn about money and how can we help them to achieve their financial goals?To share your ideas and experiences with Felicity Hannah and guests e-mail moneybox@bbc.co.uk now.On the panel:Dr Elizabeth Kilbey, Consultant Clinical Psychologist. Rebekah Kelly, Head of Education - School Age, MyBnk Stephanie Fitzgerald, Head of Young People Programmes, The Money CharityWe also hear from Emma Muckalt, joint winner of Interactive Investor's Personal Finance Teacher of the Year 2020 (Primary School).Presenter: Felicity Hannah Producer: Diane Richardson Editor: Emma Rippon

2020 has been a tumultuous year, full of the unexpected, so what can we anticipate for our finances over the years to come? In 1998 futurologist Graeme Leach wrote a report for Barclays called ’2020 Vision’, designed to look beyond the impending millennium to life in the next 20 years. It wanted to stimulate thinking and discussion on how the future will look. Join Felicity Hannah to discover how Graeme’s predictions for 2020 have weathered and discuss with three listeners what their hopes and aspirations are for the next 20 years, what have been their successes and failures from the last 20, and what lessons can be learnt. Presenter: Felicity Hannah Producer: Alex Lewis Editor: Emma Rippon

It’s been a tough year for charities since the global pandemic struck but many of you have come up with innovative ways to raise money for the causes you love. The closure of charity shops and the cancellation of events has greatly reduced income and many charities are also experiencing rising demands, so finding new ways to generate income has been vital. On Wednesday’s Money Box Live Louise Cooper and guests will look at charity finances and fundraising in 2020. Joining Louise are:Caron Bradshaw, Charity Finance Group Daniel Fluskey, Institute of Fundraising Robin Osterley, Charity Retail AssociationWe’d love to hear your ideas and experiences so e-mail moneybox@bbc.co.uk now to join in with the conversation.Presenter: Louise Cooper Producer: Diane Richardson Editor: Emma Rippon

A damning report by Dame Elizabeth Gloster finds that the financial regulator failed nearly 12,000 people who lost up to £237 million after an investment scheme collapsed. How have those who lost money reacted to her findings?A search through 390,000 online adverts for rented homes reveals that on two websites more than 80% discriminate against people on benefits.And concerns from the team dedicated to chasing, catching and prosecuting illegal loan sharks about the rise of people being targeted via social media.Presenter: Paul Lewis Reporters: Ben Carter and Maryam Ahmed Producer: Darin Graham Series Producer: Alex Lewis Editor: Emma Rippon

Exclusive figures from the Financial Ombudsman Service show a big increase in the number of complaints about banks in relation to fraud and scams. The stats show the FOS upholds 32% of complaints on average – but when it comes to fraud and scam cases that number nearly doubles to 58%. What does the FOS think about recent reports in the press that suggests banks are trying to get out of their voluntary code to refund victims of fraud? We hear from one case study who had £13,200 stolen 18 months ago and was refused a refund, until Money Box got involved. Paul talks to Debbie Enever from the Financial Ombudsman ServiceIn an exclusive interview Paul speaks to Alex Marsh, the UK boss of the biggest player in the Buy Now Pay Later market. The FCA is currently working on its review into BNPL as the industry braces itself for the prospect of regulationMore listeners have been contacting Money Box to tell us they are being pursued for debts of over £1000 by the Department for Work and Pensions. It is trying to recover a payment they have never had from a benefit they are not claiming. We hear from some of those affected.Five major house builders are changing the way they sell new leasehold flats. Sebastian Kelly from the Leasehold Knowledge Partnership explains all.Producers: Ben Carter and Darin Graham Reporter: Dan Whitworth Editor: Emma Rippon

If you’re priced out of the housing market, could shared ownership help you onto the property ladder? Offered by housing associations and private developers, these schemes allow you to buy a share in a property while paying rent for the portion that you do not own.Paul Lewis and guests answer your questions about the pros and cons of shared ownership. How does it work and what are the costs, responsibilities and restrictions? E-mail your questions, thoughts and experiences now to moneybox@bbc.co.ukOn the panel will be:Kelly McCabe, Managing Director, TMP The Mortgage People Amy Nettleton, Chair, Shared Ownership Steering Group Giles Peaker, Housing Partner, Anthony Gold Solicitors Presenter: Paul Lewis Producer: Diane Richardson Editor: Emma Rippon