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Last Updated: Friday, 14 October 2005, 16:49 GMT 17:49 UK
Chip and pin 'deadline'
Chip and pin machine
There are people who for medical reasons cannot enter their PIN

BBC Radio 4's Money Box was broadcast on Saturday, 15 October, 2005, at 1204 BST.

The programme was repeated on Sunday, 16 October, 2005, at 2102 BST.

People must use their PINs from 14 February, 2006, to be sure of being able to pay for goods with their cards, the chip and pin programme has said.

However, customers who cannot enter or remember their PIN can continue to sign for purchases using a chip and signature card which all banks can provide.

But Money Box has heard from some disabled bank customers who have struggled to get their bank to provide them with the card they need.

We spoke to some of those affected and to Natalie Salmon, Head of Access to Services at the Disability Rights Commission.

And we asked Sandra Quinn from the Association of Payment Clearing Services, which is responsible for the chip and pin programme, why some disabled customers are being let down.

Further information:

Bank prices

The CEBR wants the Competition Commission to examine the issues
The costs of overdrafts and some current accounts is rising at six times the rate of inflation, according to the Centre for Economics and Business Research (CEBR).

In Office of National Statistics figures, the CEBR found evidence the cost of financial services is rising by 11% a year.

And they claim the cost of overdrafts and packaged current accounts has risen by 15 to 16% in the last 12 months.

We spoke to CEBR Director Doug McWilliams and Ian Mullen of the British Bankers' Association.

Further information:

Driving other cars (DOC) insurance

Norwich Union provides insurance for one in seven cars

Could the number of uninsured motorists on the road rise?

Norwich Union has said it is withdrawing the "Driving Other Cars" provision from its policies to stop drivers with only minimal cover using other, more powerful, cars.

But critics within the industry say the move will create confusion, and lead to more people driving without cover.

Louise Greenwood reported.

Further information

Halifax agent's investment scam

Former Halifax agent Graham  Price
Mr Price is awaiting sentence after admitting the offences

More than half the people swindled out of millions of pounds by an agent for Halifax bank have appointed solicitors to try to recover the money.

Graham Price stole around 10m from the Halifax and over 80 investors during a four year period when he was working as a local Halifax agent near Swansea.

His actions where only discovered when an unannounced audit by the bank found a 7m IOU in a safe.

Halifax has denied any responsibility for the individuals' losses from investments made with Mr Price.

We heard from the chair of the victims' group, Jennifer Ellis; Local Welsh Assembly Member Edwina Hart, and Stephen Thompson of local solicitors Darwin Gray, who is prepared to take on victims' cases.

Halifax would not be interviewed but has provided a statement.

Further information:

Millions on wrong tax code

HM Revenue & Customs offices in London
PAYE is the method by which tax is deducted from our wages or salaries
Widespread errors in the Pay As You Earn (PAYE) System have left millions of people on the wrong tax code, the National Audit Office has said.

This has resulted in around 575 million of tax per year not being paid, and in taxpayers not being advised of around 295 million per year potentially repayable to them.

According to the NAO, the main cause was the Revenue's failure to correctly calculate tax liabilities where people had more than one source of income.

We asked John Whiting of accountants PricewaterhouseCoopers what people can do to ensure they are paying the right amount of tax.

Further information:

Producer: Jessica Laugharne
Presenter: Paul Lewis
Reporter: Louise Greenwood

Money Box



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