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Should the government force banks to guarantee everyone access to cash?

Age UK warns that despite the rise of digital payments, millions of people still rely on cash and the charity says it should be seen as an essential service - like electricity, water, or the post.

Barclays bank is to repay millions of pounds to customers miss-sold loans to pay for a timeshare scheme in Malta, but hundreds of others say they should be getting their money back too.

The UK鈥檚 biggest insurance firm and a major housebuilder have agreed to refund customers who have overpaid for freeholds and ground rents. It鈥檚 a major breakthrough for some leaseholders but will the industry follow suit.

And one listener tells us his story of emerging from the black hole of debt.

If you've been affected by any of the issues in this programme, you can find a list of support organisations at bbc.co.uk/actionline

GUESTS:
Joel Lewis - Policy Manager Age UK
Sian Williams - Director of Policy at the anti-poverty charity Toynbee Hall,
Sebastian O鈥橩elly - Leasehold Knowledge Partnership

Presenter: Paul Lewis
Reporter: Dan Whitworth
Production Co-ordinator: Janet Staples
Researcher: Stefania Okereke
Producer: Joe Kent
Editor: Alex Lewis