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On Money Box with Paul Lewis: An influential think tank urges wealthy pensioners to opt out of receiving the winter fuel payment. Money Box debates the issue with Policy Exchange, the National Pensioners Convention and millionaire Peter Stringfellow.

As figures reveal that you are more likely to be a victim of phone fraud than burglary - Money Box has heard from another listener who lost her money in a vishing attack who cannot get her money back from the bank. Does a victim of such a crime have any legal recourse? The programmes hears from listener Marilyn Wordley; and from litigation expert Ted Greeno from Quinn Emanuel.

Is your money invested in a fund that charges you for active management but does not actually manage it very actively? If so - you would be better with a cheaper tracker fund. A slug-it-out discussion between those who want rules about how active active managers should be and those who think regulation would be a backward step. Gina Miller from SCM Private and Jean-Pierre Casey who writes for the Centre for European Policy Studies join the programme.