Listen to BBC Essex - John Hayes on Drivetime

Busy show with Mike Thomas aka the DebtWizard, urging consumers to make alternative payments for bills because of the postal strike, he explains how you can receive £12 penalty for late payments and also how your credit file can be affected. Next topic was banking complaints; here Mike explains the procedure you have to go through before the Financial Ombudsman gets involved. Then Mike moves onto Payment Protection Insurance, PPI, and covers the reason why these policies exist, what constitutes mis-selling and how you can enter a claim against the provider of the policy. Great topics, great show, great fun!