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The telecoms watchdog Ofcom has drawn up proposals to make it harder for criminals to fake caller ID when they phone people. It’s called number spoofing and happens when crooks use technology to make the number that comes up on your phone appear as though the call is coming from a legitimate organisation like your bank or the police. We hear from Lindsey Fussell, Ofcom’s Group Director for Networks and Communications.

Big changes to the way student loans are repaid in England could change the balance for parents who can afford to pay for their education. The government's plans would extend the repayment period for the loans from 30 to 40 years before any balance is written off and reduce the earnings threshold at which the extra 9% tax kicks in. We hear from Sarah Coles, senior personal finance analyst at Hargreaves Lansdown.

A listener who pays for energy via prepayment meters asks if it's worth topping up ahead of prices rises in April. We hear from energy suppliers and the regulator, Ofgem.

Plus a David and Goliath story. Money Box listener David takes on HMRC over self-assessment tax return financial penalties. Listen to find out who wins this time - and how.

Presenter: Paul Lewis
Producer: Paul Waters
Reporter: Dan Whitworth
Researcher: Ben Henderson
Editor: Emma Rippon

(Photo credit Tero Vesalainen/Getty images)