When it comes to keeping our homes warm nearly all of us rely on just a handful of big energy suppliers. And during the winter, especially with the cold temperatures, we rely on those suppliers to do their job. When they don't customers can firstly complain to their supplier but, if they're still not happy, they can take their complaint to something called the Energy Ombudsman. It's a free, impartial service and gets thousands of complaints every year. In most cases, when the ombudsman makes a decision, that decision is followed to the letter, quickly, by suppliers. But in some cases that doesn't happen - we investigate one listener's battle over a £1,700 bill.

HMRC has told MPs it's going to take more care in how it handles its effort to crack down on fraud and error, after a mistake which led to thousands of families wrongly losing their Child Benefit.

It was the Scottish government's Budget this week and there were quite a few changes promised for people's pockets, we'll round up the details.

And, there's a huge amount to think about when buying a home, from sorting the mortgage to getting quotes for removal companies, but one thing you might not be expecting is that your new home might come with rules telling you what you can and cannot do with it. Restrictive covenants are binding conditions written into the actual property deeds or contracts. What can you do to protect yourself from any financial impacts?

Presenter: Felicity Hannah

(First broadcast 12pm Saturday 17th January 2026)