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What caused the collapse of HBOS (Halifax Bank of Scotland) in 2008? Two reports out this week make it clear that senior management at the bank and the regulator - then the Financial Services Authority - were both partly responsible for the events that led to the 拢20 billion taxpayer rescue. Paul Moore, former HBOS director turned whistleblower, talks to us about events that led up to the banks collapse.

The Financial Conduct Authority banned self-certification mortgages in the UK from April 2014. But could they be making a come-back? Ex-payday lender QuickLoans has plans to relaunch them in January - not from the UK but from an as yet unnamed eastern European state. The loans will be supervised by that state's regulator and compensation scheme.

A change in National Insurance from next April will mean 5.5 million people in salary related contracted out work based pensions will face an average 15% rise in the money taken for National Insurance. Most are in the public sector and those employers will also face a big hit - an average rise of well over a third in their employer National Insurance contributions. It could cost the NHS alone 拢1 billion a year.

Presenter: Paul Lewis
Producer: Lesley McAlpine
Editor: Andrew Smith.