You're about to listen to a BBC podcast, but this is about something else you might enjoy.

My name's Katie Lecky and I'm an assistant commissioner for on demand music on BBC Sounds.

The BBC has an incredible musical heritage and culture and as a music lover, I love being part of that.

With music on sounds, we offer collections and mixes for everything, from workouts to

helping you nod off, boogie in your kitchen, or even just a moment of calm. And they're all put

together by people who know their stuff. So if you want some expertly curated music in your life,

check out BBC Sounds.

BBC Sounds, music, radio, podcasts.

Welcome to Moneybox. Today we hear from one listener who's search for love online ended up costing her hundreds of pounds, even though she'd signed up to a dating website

under a £2.99 months trial.

One previously bankless town in Northumberland now has a new bank based in its community centre.

Could this be a viable model for other rural areas?

And I chat with the producer of a BBC 2 series called Universal Credit Inside the Welfare State,

which takes an in-depth look at the new benefit and in-work poverty.

But first, Moneybox has found there's been a big increase in the number of young adults being taken to court for unpaid debts.

Court records show that last year,

around 160,000 people in their 20s were given county court judgments or CCJs in England and Wales.

That's up 30% from the year before. And this is the continuation of a long-term rising trend. The sums that these

young adults owe, well in many cases, just a few hundred pounds. Claudia is a 23-year-old and

lives in Cardiff. She found out she had a CCJ when she applied for a job. They asked if they could do a credits check.

He called me one afternoon and he said there's sort of a red sort of alert that's popped up on your credit score.

So are you owing any more money or anything like that?

...