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On Money Box with Paul Lewis: People who use BT for their telephone calls could find that trying to economise costs them more. A new inclusive tariff will be cheaper than paying separately for daytime calls for many customers. David Hickson of the Fair Telecoms campaign joins the programme.

Complaints about mobile phone insurance are on the rise and according to the Financial Ombudsman Service, which is fielding them, the majority are justified complaints. Ruth Alexander reports and the programme also hears from David Cresswell at the Financial Ombudsman Service.

A man has been sentenced to two years in jail for not telling HM Revenue & Customs about his income from selling things on ebay. John Woolfenden from Bury failed to pay almost 脗拢300,000 of tax on his income from selling DVDs, music, and games over six years. This week he was convicted at Bolton Crown Court of cheating the public revenue and for transferring criminal property. It's an exceptional case but it does point out the dangers of buying and selling things on ebay - when do you become a trader that has to declare their income and fill in a tax return as self-employed? Elaine Clark of cheapaccounting.co.uk explains all.

Just what should be in the guidance that will be available to everyone who has a pension which they may want to cash in under the new pension freedoms from next April? When should the guidance be given and by whom? Should you cash your pension in at all? What will the tax position be? Independent pensions expert Dr Ros Altmann and the pensions minister, Steve Webb, join the programme.