BBC Radio 4's Money Box was broadcast on Saturday, 29 January, 2005, at 1204 GMT.
Halifax has sent letters to around 100,000 customers
The programme was repeated on Sunday, 30 January, 2005, at 2102 GMT.
One of the UK's best-known mortgage providers, the Halifax, has been criticised for encouraging customers to take mortgage payment holidays to pay off Christmas debts.
To discuss this we were joined by Nick Lord, a leading money adviser with Citizens Advice, and Ray Boulger, a director of mortgage brokers Charcol.
Cash machine charges
The debate over cash machines has been stepped up after some organisations made their views known on what charging is acceptable and what is not.
Jessica Dunbar has been investigating how banks, business and consumer groups are all squaring up in this increasingly controversial money issue.
CSA faces uncertain future
The future of the Child Support Agency looks uncertain after the Secretary of State for Work and Pensions Alan Johnson said he would not rule out "the nuclear option of moving to a completely new system".
The minister's comments came after a damning report by a group of MPs which said it must improve its services within weeks if it is to continue.
The report found that around 250,000 cases are waiting to be processed and a considerable backlog is building up.
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The findings were welcomed by a charity which promotes lone parent welfare, One Parent Families.
Policy Advisor Janet Allbeson gave her advice to families currently caught up in the CSA's huge backlog of cases.
Tax deadline days away
Record numbers of people have been submitting their tax returns online with just days to go before the deadline.
All forms must be in by midnight on Monday.
If people do not get them in on time they could risk a £100 fine, but if forms arrive on Tuesday no fine will be imposed.
Jessica Dunbar gave some last-minute tips for people who have not yet submitted theirs.
Presenter: Paul Lewis
Producers: Samantha Washington and Chris A'Court
Reporter: Jessica Dunbar