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The Martin Lewis Podcast

Question Time: How to escape a joint account? When not to claim child benefit? Who is Martin’s successor?

The Martin Lewis Podcast

BBC

Business

4.4929 Ratings

🗓️ 9 February 2026

⏱️ 32 minutes

🧾️ Download transcript

Summary

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I escape a joint account? If I cancel a Direct Debit, do I have to tell the company? When isn’t it worth claiming child benefit? Where do I put the money from my house sale? And, who’s going to take over from Martin when he retires?

If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite musical, if he’s any good at building flat-pack furniture, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Transcript

Click on a timestamp to play from that location

0:00.0

BBC Sounds, Music, radio, podcasts.

0:08.1

You're looking at the top three easy access savings accounts.

0:12.3

You should be earning over 4% in them.

0:14.4

The lesson that we all learn from that is make sure you're clear with the provider that you stopped using the service at the time.

0:19.1

It's not that difficult.

0:20.0

It's easy access.

0:21.4

The good news is you will still benefit from child benefit.

0:25.7

Hello and welcome to the cunningly name, the Martin Lewis podcast.

0:29.6

I do wonder what that's going to be about.

0:31.5

And this is our question time episode,

0:34.3

where you get to ask me your questions on absolutely anything and everything open brackets

0:38.6

within reason closed brackets. This week, you asked me, how do I escape a joint account? If I

0:45.2

cancel a direct debit, do I have to tell the firm? When isn't it worth claiming child benefit?

0:50.9

Where do I put the money from my house sale? And Martin, who's going to take over when you retire?

0:56.9

Play the theme tune.

1:15.8

Hello, everybody, welcome to the question. Now, normally at this point, I do a big build-up for our podcast,

1:22.4

which I'm now calling our Prozenter, Mr. Matt Burnham. I call him a squire. I do a big build-up. But you're not having that this week, Matt. Okay. Because you did a very, very silly boo-boo yeah, last week. Oh, I think I know what you're going to say. Yeah, and I would like you to have the bravery that you're going to put the boo-boo in at this point. I want you to edit the clip in. So I need to tell everybody what Matt did last week. So Matt edits the podcast and he was editing the main podcast too. And as those of you who listen regularly will know there's a money mastermind in the main podcast. And the money mastermind in the podcast was about section 75. And the trick in the question, it was asking Adrian that you'd pay 10 pound on a credit card

2:02.0

and the item cost £100 does Section 75 count. And the normal rule would be, if you put any on a credit

2:07.2

card, then Section 75 is applicable for the entire amount. The credit card company is jointly liable

2:13.2

for the entire amount. But the trick in the question was that the item cost £100. And Section

2:20.5

75 only applies if items cost more than £100. So the minimum is £100 and a penny. And that was

2:26.8

the de Numeant to the mastermind. That was the big answer and Adrian got it wrong and that was the

...

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