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Money Box: Undead direct debits, mortgage repayments, the marriage of unequals, the cost of investing

25/05/2013

Undead direct debits, mortgage repayments, the marriage of unequals, the cost of investing

BBC Radio 4 - Money Box, Undead direct debits, mortgage repayments, the marriage of unequals, the cost of investing

The direct debits that came back from the dead, and the true cost of investing.

Direct debits that came back from the dead, why life could mean life for Bank of Ireland mortgage customers, calculating the real cost of investing, and the marriage of unequals.

DIRECT DEBITS
Hundreds of people who agreed to pay a computer maintenance contract in the past but then cancelled it have had their direct debits restarted without their permission. The firm says it cannot find them to refund the money. We investigate how direct debits can come back from the dead years after they were cancelled.

BANK OF IRELAND
Lawyers representing Bank of Ireland customers are asking the Financial Conduct Authority to stop the Bank trebling the monthly mortgage payments for 13,000 customers. This week just over a thousand were given a reprieve but what hope for the others.

IT COSTS HOW MUCH?
A new online calculator shows the true cost of investing. One fund claims a 1% upfront charge and a 1.25% annual management charge. But the calculator shows the total cost of investing as 2.28% a year. Which means on any modest return the fund share equally in any gains. Two Money Box listeners 'test drive' the calculator and we speak to the co-founder Gina Miller and Lawrence Gosling, Editor of Investment Week.

STILL NOT EQUAL
The Marriage (Same Sex Couples) Bill passed overwhelmingly by the House of Commons this week will maintain the one financial discrimination between same sex and opposite sex couples. When one same sex partner dies the survivor has more limited rights to inherit their company pension. Why? And can it still be changed? We speak to one Money Box listener and the MP Mike Freer.

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