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Paul Lewis and a round up of the week's personal finance news.

Anger is mounting over the government's plans to reform social care in England, which were set out this week in its Care and Support White Paper. The government has said it agrees in principle with the idea of capping how much people have to pay but it will not explain how or when this will happen. And it proposed a scheme whereby councils will loan individuals money to pay for care costs which exists in part already. We hear from Lisa Morgan, a partner at Hugh James solicitors and an expert in care costs about what the proposals mean in practise. And we have a discussion between Dot Gibson of the National Pensioners Convention and Gus Hanton , Co-founder of the Intergenerational Foundation about who should pick up the cost of care - the State or the individual?

The administrators of the Farepak Christmas club announced this week that the 114,000 victims of the collapse of the club in 2008 would get a total of around 50p for every pound they lost. They have already had 17.5p and another 32p is now due to be paid after LloydsTSB agreed to put 8 million pounds into the fund following fierce criticism form a judge in a court case. A good result for the former Farepak savers but questions are being asked about why the administrator and liquidator have earned so much money. We hear from Louise McDaid, a Farepak creditor who's been campaigning on behalf of other people who lost money and Mike Dailly from the Govan Law Centre.

This year it feels as if a months-worth of rain falls almost every day somewhere in the UK. So we look at flood insurance. A deal between the insurance industry and the Government to make sure everyone can at least get insurance at some price runs out in June 2013. How ill that affect the premiums we all pay in future? We hear from a Radio 4 listener who lives at a top of a hill but still can't get reasonable flood insurance.

And RBS finally gives some more details of the compensation scheme for customers and non-customers affected by its computer breakdown which began on 20 June. RBS and NatWest are now said to be back to normal. But Ulster Bank customers are still struggling. RBS's Susan Allen says sorry.