The regulator Ofcom tells Money Box people shouldn’t trust Caller ID. It says the spoofing of numbers can be stopped, but to do so will take years. Spoofing has been used by fraudsters to convince thousands of people they are being called by banks or HMRC and trick them into handing over tens of thousands of pounds.

It's more than two years since the collapse of London Capital and Finance where investors lost £237m. This week the government announced a new scheme in which almost 9,000 people will get some of their money back.

Why do many banks charge 39% interest on overdrafts but pay less than 1% on savings? Listener Edwyn describes the difference as ‘extraordinary’ and ‘scandalous.’ Paul asks Sarah Coles, personal finance analyst at Hargreaves Lansdown to explain.

And what happens to your pension if you die before drawing it? Romi Savova from PensionBee explains.

Presenter: Paul Lewis
Reporter: Dan Whitworth
Researcher: Sowda Ali
Producers: Ben Carter and Joe Kent
Editor: Alex Lewis