Hear how criminals pretending to be from Talk Talk aim to con customers out of their savings. Money Box listener Graham recorded a call from a thief who said he worked for the firm's customer services team, took control of his computer and almost managed to get access to Graham's bank account details. You will hear the various stages of the con. Talk Talk has said that 'only' 157,000 people and not 4 million had their personal details hacked in last month's attack.

As credit card debt rises by more than £2 billion a year to £63 billion, the regulator, the FCA, has published thoughts towards how it might control the market. It found that nearly one in five credit card holders, nearly six million people, are in difficulty with their debts. Most of them - the ones who have big borrowings or pay the minimum each month - are profitable for the card companies. So there is no incentive to try to help them. Will the FCA change that? The regulator's director of strategy and competition, Christopher Woolard, speaks to the programme.

Older people have cashed in £4.7bn from their pensions since the new freedoms came into force more than six months ago. It's prompted a debate about how best to ensure that people do not run out of retirement money by spending it too quickly and facing poverty in old age. Should there be a warning system to 'nudge' people if they are in danger of blowing their savings? Do we need new financial products to help provide people with an adequate lifetime income from their pension pot? Katie Evans from the Social Market Foundation and Henry Tapper from First Actuarial debate the issues.