Money Box

If your holiday plans are affected by coronavirus, what are your rights? Chaos caused by the pandemic has left travellers with many questions - about insurance, refunds and whether they can get away at all. Holidaying in a pandemic isn’t easy but sometimes cancelling isn't either. Our panel of travel experts is ready to answer your Covid-related questions. Email moneybox@bbc.co.uk or tweet @moneyboxGuests: Rory Boland, Editor of Which? Travel Jill Starley-Grainger, Travel blogger from JetSet Journeys Presenter: Felicity Hannah Producer: Sally Abrahams Editor: Hugh Levinson

From now, the over 75s will have to start paying for their TV licences. We speak to the BBC’s Director, Policy Clare Sumner about what the BBC is doing about the 1m pensioners who will receive demands for payment but should be exempt.In his summer statement, the Chancellor Rishi Sunak promised a bonus for employers who hire apprentices over the next six months because “We know apprenticeships work”. But the latest Ofsted figures show that 42% of apprenticeships inspected in England are either inadequate or require improvement - and that they are struggling to inspect at all due to lack of resources. Money Box speaks to the Skills Minister Gllian Keegan MP.And the debt collection firm that is demanding money from people who don’t owe it. What to do if it happens to you.Presenter: Paul Lewis Reporter: Kafui Okpattah Producer: Alex Lewis Editor: Emma Rippon + Ravin Sampat

Fake emails, bogus calls, spoof texts: Fraudsters are exploiting the pandemic to fleece as many unwitting victims as they can. So how to spot a scam and keep your money safe? Join Felicity Hannah and a panel of experts offering top tips to avoid being scammed. Share your experiences by emailing moneybox@bbc.co.uk or tweet @moneybox Guests: Katy Worobec, Managing Director, Economic Crime, UK Finance Detective Sergeant Marc Cananur, Kent Police Richard Emery, bank fraud consultant, 4Keys InternationalProducer: Sally Abrahams Editor: Emma Rippon

During the health pandemic a fraud epidemic has been growing. The latest official crime survey found fraud accounts for a third of all crime in England and Wales. It costs the UK economy tens of billions of pounds and very often individuals many thousands of pounds. But the cost is much more than just financial. It can be emotionally and mentally devastating. Money Box has been given access to a rare recording of fraud in progress. An expert assesses what made it so believable and one of the most senior fraud investigators in the UK tells us what he's doing about this kind of financial crime.Also on the programme, the car finance customers stuck with a vehicle they cannot use and no longer own but they still have to tax and insure it. As government advice changes and people are asked to go back to work, many childcare providers remain closed. So do employers need to make any allowances?And in the podcast, will house prices go up or fall - a listener asks should he buy now or wait? Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Lizzy McNeil Producer: Alex Lewis Editor: Emma Rippon

If you're claiming benefits for the first time because of coronavirus, what’s your experience? Millions of people who have lost their jobs or their income since lockdown, are having to apply for Universal Credit for the first time to help meet basic living costs. But how much do you get and how long before the money comes through? Join Paul Lewis and a panel of benefits experts offering advice on how to claim, what you might get and how to avoid pitfalls. Email your questions and stories to moneybox@bbc.co.uk or tweet @moneyboxGuests: Anna Stevenson, Welfare benefits expert, Turn2Us Will Hadwen, Working Families Gary Martin, Welfare benefits specialist at Brixton Advice Centre Producer: Sally Abrahams Editor: Emma Rippon

The organisation charged by the government to provide debt advice says it expects the number of people in financial difficulties to soar by 60% as the economic crisis begins to hit home. By late 2021 it expects that eight million people will have not been able to pay at least three bills in a six month period. And there are growing concerns that people with severe debt are being exploited by firms selling Individual Voluntary Agreements - a formal debt solution to pay back debts - which the firms make money from.Saving, if you can afford it. With interest rates at record lows, what is the motivation to save? Some community schemes think they have the answer.And Ofcom say it's concerned 'some customers are not being treated fairly' when it comes to being charged for keeping email addresses after switching provider - available to listen to in our podcast edition.Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Lizzy McNeil Producer: Alex Lewis Editor: Emma Rippon

Schools partially closed, nurseries struggling to reopen, grandparents shielding, childminders grappling with social distancing and a lack of au pairs because of travel restrictions. Arguably the UK faces a childcare crisis. At the same time, lockdown is being lifted, the Job Retention Scheme is being wound down, and the government is urging us all back to work to rebuild our shattered economy. But how can parents work without affordable, quality childcare? And how can childcare providers deliver if they don't have the cash coming in? What help is available if you’re income’s dried up, but you still have fees to pay or overheads to settle? Louise Cooper and a panel of experts are here to answer your childcare questions. Email moneybox@bbc.co.uk or tweet @moneyboxGuests: Purnima Tanuku, CEO, National Day Nurseries Association Will Hadwen, Benefits adviser from Working Families Megan Jarvie, Head of Family and Childcare at CoramProducer: Sally Abrahams Editor: Emma Rippon

As quarantine is lifted and airports get ready for summer flights, are some airlines taking advantage of people who are being offered the opportunity to rebook their flights?Earlier this week Chancellor Rishi Sunak outlined how he planned to get the economy up and running again following the harm done by coronavirus. Front and centre was a £2bn "kick-start' scheme to create more jobs for young people. But does it go far enough? Poppy and Ataysha - two young people who could be helped - tell us what they think. With Sam Windett, Chair of the Youth Employment Group. There were also big announcements on the coronavirus job retention scheme with £1000 promised for every person firms bring back to work after being put on furlough. But we hear about the furlough scheme sums that were just too tricky for one employment agency. With Lucy McLynn, Partner and Head of Employment at BatesWells. Plus stampduty, VAT and eating out.Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Lizzy McNeill Producer: Alex Lewis Editor: Emma Rippon

Online lectures yet full tuition fees; socialising at a distance and virtual fresher's events - all because of the pandemic. So is it financially worthwhile going to uni this year, if you won't be getting the university experience you’d hoped for or dreamed of? How valuable is a degree for your future earnings? Is it better to do an apprenticeship, to earn as you learn? Or ditch higher education altogether and dive into the uncertain jobs market? We'll be taking questions and hearing the dilemmas of school leavers across the across the UK as they decide what to do next.Join Adam Shaw and a panel of guests - and share your views and experiences. Email moneybox@bbc.co.uk or tweet @moneyboxGuests: Dr Maria Neophytou, acting CEO of Impetus Paul Johnson, Director, Institute for Fiscal Studies Sophie Graham, a National Careers adviserProducer: Sally Abrahams Editor: Emma Rippon

Just days after a damning House of Lords report, Money Box can reveal that loot boxes in some games aimed at children have win rates of as little as 0.01%. Experts are worried this could get children hooked on gambling.The courts have ordered changes in the way income is calculated which will mean more money for thousands of people on Universal Credit. And we hear from one listener who got his money back for a cancelled holiday through his debit card but now the company is trying to take it back. Presenter: Paul Lewis Reporter: Daniel Whitworth Researcher: Lizzy McNeill Producer: Alex Lewis Editor: Emma Rippon