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| Version 4 | Version 5 |
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| Millions 'face benefit hardship' | Millions 'face benefit hardship' |
| (10 minutes later) | |
| BBC Radio 4's Money Box Saturday, 11 April 2009 at 1204 BST On Radio 4 and Online href="http://www.bbc.co.uk/mediaselector/check/player/nol/newsid_7990000/newsid_7994900?redirect=7994977.stm&news=1&nbwm=1&bbwm=1&bbram=1&nbram=1" onClick="javascript:newsi.utils.av.launch({el:this});return false;">Listen to the programme | |
| More than two million people who get social security benefits could be left without money for a week when the payment system is changed. | More than two million people who get social security benefits could be left without money for a week when the payment system is changed. |
| Lone parents, widows, disabled and unemployed people are among those affected by the change in the way that benefits are paid. | Lone parents, widows, disabled and unemployed people are among those affected by the change in the way that benefits are paid. |
| The government is switching most people from weekly to fortnightly payments and all money will eventually be paid in arrears. | The government is switching most people from weekly to fortnightly payments and all money will eventually be paid in arrears. |
| The process of converting people began on 6 April 2009 and will continue over two years up to 31 March 2011. | The process of converting people began on 6 April 2009 and will continue over two years up to 31 March 2011. |
| We ask Government Minister Rosie Winterton why the change is being made and discuss the implications with Eddie Graham of Child Poverty Action Group and Liberal Democrat MP Steve Webb. | We ask Government Minister Rosie Winterton why the change is being made and discuss the implications with Eddie Graham of Child Poverty Action Group and Liberal Democrat MP Steve Webb. |
| Millions 'face benefit hardship' | Millions 'face benefit hardship' |
| Further information: Stop benefit change, say Lib Dems Benefits: Your questions In depth: Benefits and tax credits External internet links and helplines | Further information: Stop benefit change, say Lib Dems Benefits: Your questions In depth: Benefits and tax credits External internet links and helplines |
| XL compensation | XL compensation |
| The leisure group collapsed leaving customers out-of-pocket | The leisure group collapsed leaving customers out-of-pocket |
| It is more than six months since the collapse of holiday firm XL and some customers who paid on a credit card are particularly frustrated that they have still not got their money back. | It is more than six months since the collapse of holiday firm XL and some customers who paid on a credit card are particularly frustrated that they have still not got their money back. |
| If they paid for their holiday through an Atol-bonded travel agent they should have had dual protection - from the Atol compensation scheme and their credit card company. | If they paid for their holiday through an Atol-bonded travel agent they should have had dual protection - from the Atol compensation scheme and their credit card company. |
| But in some cases neither is accepting responsibility, leaving some worried they will never get their cash back. | But in some cases neither is accepting responsibility, leaving some worried they will never get their cash back. |
| Bob Howard reports. | Bob Howard reports. |
| XL compensation | XL compensation |
| Further information: Payout dispute delays XL refunds Holiday refund scheme criticised External internet links and helplines | Further information: Payout dispute delays XL refunds Holiday refund scheme criticised External internet links and helplines |
| The future of pensions | The future of pensions |
| Money Box asks the experts what lies ahead for your pension savings | Money Box asks the experts what lies ahead for your pension savings |
| It is not a good year for pensions. The plunging stock market has wiped more than £161 bn off the pension pots of millions of people who followed government advice to save for retirement. | It is not a good year for pensions. The plunging stock market has wiped more than £161 bn off the pension pots of millions of people who followed government advice to save for retirement. |
| And many companies are closing down or restricting their own schemes which used to offer the best guarantees for a decent pension in retirement. | And many companies are closing down or restricting their own schemes which used to offer the best guarantees for a decent pension in retirement. |
| Over the next two weeks, Money Box will debate the future of pensions with four experts in the field. | Over the next two weeks, Money Box will debate the future of pensions with four experts in the field. |
| We start with a look at company schemes and speak to: | We start with a look at company schemes and speak to: |
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| The future of pensions | The future of pensions |
| Have Your Say: The future of pensions | Have Your Say: The future of pensions |
| Further information: Recession hits private pensions Aon to cut pension contributions Pension fund deficits at new high External internet links and helplines | Further information: Recession hits private pensions Aon to cut pension contributions Pension fund deficits at new high External internet links and helplines |
| Benevolent funds | Benevolent funds |
| Benevolent funds help people with their costs in times of hardship | Benevolent funds help people with their costs in times of hardship |
| With more than 4,000 people losing their jobs every working day it is hardly surprising that charities that give money to those in hardship have seen an increase in the number of people needing help. | With more than 4,000 people losing their jobs every working day it is hardly surprising that charities that give money to those in hardship have seen an increase in the number of people needing help. |
| Many are people who never thought they would need to go to charity for help. | Many are people who never thought they would need to go to charity for help. |
| If you have worked in specific industries, there may be benevolent funds available to help you with mounting costs, even if you are in work. | If you have worked in specific industries, there may be benevolent funds available to help you with mounting costs, even if you are in work. |
| We hear from Mike Carter, chair of the Association of Charity Officers. | We hear from Mike Carter, chair of the Association of Charity Officers. |
| Benevolent funds | Benevolent funds |
| Further information: Holiday refund scheme criticised External internet links and helplines | Further information: Holiday refund scheme criticised External internet links and helplines |
| BBC Radio 4's Money Box was broadcast on Saturday 11 April 2009 at 1204 BST. | BBC Radio 4's Money Box was broadcast on Saturday 11 April 2009 at 1204 BST. |
| The programme will be repeated on Sunday, 12 April at 2102 BST. | The programme will be repeated on Sunday, 12 April at 2102 BST. |