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The current system for leaseholders to buy their freehold in England and Wales is complex, slow and expensive. That's according to the Law Commission - the independent body whose job it is to keep the law in England and Wales under review. They've just launched their recommendations for reform of the law in this area. Scotland abolished leaseholds in 2004. Campaigners ask - why can't England and Wales just do the same?

Victims of what is known as authorised payment fraud may be reimbursed for their losses under a new draft Code of Practice published this week by banks and consumer groups. When the new Code starts in the New Year, customers should be reimbursed if the bank did not do everything they could to stop a fraud. We speak to Hannah Nixon from the Payment Systems Regulator.

A new 'customer friendly' register to help you find a financial adviser has just been launched. We speak to someone who has road tested it and found in wanting.

Presenter: Paul Lewis
Reporter: Dan Whitworth
Producer: Alex Lewis
Editor: Charlotte McDonald