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New research from Smart Money People, an independent financial review website, has revealed that around 11 million adults are unaware that they are classed as being vulnerable and how that impacts their financial risk status. The research uses the Financial Conduct Authority classification of what a vulnerable person is and highlights a lack of understanding of what this means, as well as a need for increased coverage to help people access services. We will speak with the people behind the research and hear from someone who has experienced being financially vulnerable.

Our reporter Shari Vahl will be with us to talk about her new programme and podcast called Scam Secrets. Shari has teamed up with Dr Elisabeth Carter, a criminologist and forensic linguist and Alex Wood, a former fraudster who now works to help people avoid getting scammed. Together they take a fresh look at scams and frauds from the You & Yours archive to reveal the techniques criminals use to try to steal our money.

And has your post been delivered today? As Ofcom announce a plan to reform the post system, they are also investigating Royal Mail after they missed performance targets – something they were fined over £10 million for last year. We’ll hear from residents in Shropshire experiencing delays and hear if services are likely to get better.

PRESENTER: Winifred Robinson
PRODUCER: Dave James