Unfair delivery charges in Scotland
Money Box
BBC
4.2 • 825 Ratings
🗓️ 6 July 2019
⏱️ 30 minutes
🧾️ Download transcript
Summary
Prepaid cards are continuing to increase in popularity, often as an alternative to a bank account. In many cases they are advertised as ‘no paper work, no fuss’ but Money Box hear's that's not always the case.
A growing number of credit unions are offering loans which are repaid directly by child benefit payments to try to stop people getting into a cycle of expensive debt. Felicity Hannah reports on how they work in practice.
Why people who live in parts of Scotland are being charged extra for online delivery charges and how Office of Tax simplification plans to simplify inheritance tax.
Presenter: Paul Lewis Reporter: Felicity Hannah Producer: Alex Lewis Editor: Emma Rippon
Transcript
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| 0:00.0 | You're about to listen to a BBC podcast, but this is about something else you might enjoy. |
| 0:05.4 | My name's Katie Lecky and I'm an assistant commissioner for on demand music on BBC Sounds. |
| 0:10.8 | The BBC has an incredible musical heritage and culture and as a music lover, I love being part of that. |
| 0:17.5 | With music on sounds, we offer collections and mixes for everything, from workouts to |
| 0:22.4 | helping you nod off, boogie in your kitchen, or even just a moment of calm. And they're all put |
| 0:28.3 | together by people who know their stuff. So if you want some expertly curated music in your life, |
| 0:34.9 | check out BBC Sounds. |
| 0:41.2 | BBC Sounds, music, radio, podcasts. |
| 0:46.8 | Hello, and we're starting this week with prepaid cards. Unlike credit cards where you pay the debt later, or debit cards where you pay now from a current account, prepaid cards |
| 0:51.8 | you have already paid. You load them up with money and then use |
| 0:55.3 | them like any other card. A very popular use is what are called currency cards. You load them |
| 1:00.4 | with dollars or euro before you go abroad. Kathy lives in Huddersfield. She'd done that, |
| 1:05.4 | and on her holiday to Tenerife, she tried to take 150 euros out of a cash machine. When it warned her of a charge, she cancelled |
| 1:12.3 | the transaction. She did that twice before finding a free machine, but then she discovered the card |
| 1:18.1 | had ring-fenced the 300 euros from her first two attempts, and she couldn't spend that |
| 1:24.0 | money all the time she was away. We were very concerned because we were lucky that we had access to other funds, but if it |
| 1:31.8 | had been perhaps a family or people in the situation where that was the only money or the |
| 1:38.0 | only sort of funds available to them, it could have resulted in absolutely ruining their |
| 1:44.1 | holiday. |
| 1:44.8 | They just weren't interested at all. It was so frustrating. |
| 1:49.1 | It took a month for Cathy to get her money back, by which time she was home. |
| 1:53.3 | Jack is not long back from a short break in Miyorka with his wife and young daughter. |
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