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We return to complaints that customers are being asked to pay a lot more for home insurance following the regulator's ban on the loyalty penalty. The Financial Conduct Authority (FCA) imposed the ban at the start of the year. We keep hearing from listeners that their premiums have been hiked by hundreds of pounds since the new rules came in. Under the FCA's reforms, loyal customers can't be charged more than new ones but existing customers are telling us the ban isn't working out the way they had hoped. We speak to Sheldon Mills, Executive Director of Consumers and Competition at the Financial Conduct Authority and Graeme Trudgill, Executive Director of the British Insurers Brokers Association, about why prices are rising steeply for some loyal customers.

We also look at rising energy prices and how these are making us all think a lot harder about how we can cut back on what we're using. Cooking can really push up your bills depending on what you cook and how you do it. We speak to Felicity Cloake, food writer for The Guardian. She decided to ask people on Twitter for energy saving cooking tips. We also hear from Dr Christian Reynolds, from the Centre for Food Policy at City University in London.

We have more on the surge of a vicious WhatsApp scam which we first reported on last summer. The fraud, where criminals pretend to be your children and message you through WhatsApp to ask for money, has grown so much that police say it's now only second to online shopping as the biggest scam. We hear from a 70-year-old nurse who lost 拢11,000 through the scam. We also speak to Detective Constable Rachel Roberts from North Wales Police, and Jordan Coates, a Fraud Protect Officer from Avon and Somerset Police.

Presenter: Winifred Robinson
Producer: Tara Holmes