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We've been hearing from listeners who鈥檝e been contacted by Department for Work and Pensions demanding repayment of Universal Credit advances that the DWP says they鈥檝e received. The trouble is, they鈥檝e never even applied for Universal Credit, let alone had an advance. The DWP are also contacting these fraud victims employers to deduct the money owed from their salary before investigations are completed.

Two dozen people are facing the threat of redundancy because the small business they work for is being forced to shut down because it can鈥檛 get insurance. How is this possible and why isn鈥檛 the insurance market working like it should? Solicitor Merlin Batchelor talks us through his problem and Felicity talks to Martin McTague from the Federation of Small Businesses which is calling for the insurance industry and policy makers to investigate what鈥檚 going on.

Savers at the UK鈥檚 government backed bank, National Savings and Investments, are struggling to withdraw their funds after the firm slashed its interest rate to next to nothing. Jill Waters, NS&I鈥檚 retail director joins us to explain what鈥檚 going on.

Presenter: Felicity Hannah
Reporter: Dan Whitworth
Producers: Ben Carter and Darin Graham
Editor: Emma Rippon