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Victims of online fraud should no longer be refunded by banks if they fail to protect themselves. That's from Sir Bernard Hogan-Howe, the Head of the Metropolitan Police who says that the system 'rewards' the public for being lax about internet security. Adrian Goldberg asks if you've been the victim of online fraud and if you got the money refunded.

And he speaks to Coronation Street actress and disability activist, Cherylee Houston about a House of Lords report that says those with disabilities are only an 'afterthought' and that laws designed to eliminate discrimination aren't working.

Former Liverpool striker Ian St. John reflects on the death of the legendary Dutch footballer and coach, Johan Cruyff, he tells Adrian he was given a footballing lesson by Cruyff when the Reds played Ajax in the 60s.