Money Box listener Rebecca found herself caught between two of the UK’s biggest energy firms. After moving to a new home in the summer she changed the supplier from British Gas to EDF. Then a few weeks ago she received bills from both companies, meaning she'd have to pay twice for the gas she’d used once. Rebecca tried to resolve the situation in between her long shifts on an A&E ward but both firms insisted she owed the money and she received a legal threat. Then Money Box stepped in……

If you’re planning on buying gift cards for Christmas - spare us a minute of your time first.

The Bank of England says it wants to scrap a mortgage affordability rule that aims to prevent people getting into financial difficulty. It’s the one where applicants need to prove they could still make monthly payments if their mortgage interest rate rose to 3% above the lenders’ standard variable rate. A consultation on the change is due to start early next year.

Presenter: Paul Lewis