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We speak to the Government's Care Minister, Helen Whately, about the future of adult social care. We discuss ongoing problems with care home visiting bans despite all Covid restrictions in health and care settings in England having been lifted since March this year. We also ask what the Government is planning to do to reform social care and why the much awaited cap on care costs which was due to come in next Autumn has been delayed another two years until 2025.

We reveal that the amount of money energy firms are holding on to in overpayments from customers is on the rise again. The regulator, Ofgem, has told You and Yours that companies held 拢1.8 billion pounds in overpayments from customers for gas and electricity in the 12 months leading up to May this year. That figure is up on the previous year although not as high as in 2016 when a You and Yours investigation found companies back then were holding 拢4 billion of customers' money in surplus cash. We hear from a listener who is owed hundreds of pounds by his supplier. We also speak to the consumer rights expert, Martyn James, about what customers can do to get a refund if their accounts are in credit.

Our investigative reporter, Shari Vahl, speaks to three people who were conned into handing over tens of thousands of pounds to criminals. All three were customers of Revolut, a British financial technology company based in London offering banking services. We hear from Chris Helmsley, Managing Director of the UK鈥檚 Payment Systems Regulator. We also speak to Aaron Elliott-Gross, Head of Fraud and Financial Crime at Revolut, about why his organisation won't be reimbursing its customers in full.

Presenter: Felicity Hannah
Producer: Tara Holmes