Linda McAuley welcomes our very own consumer affairs guru Jimmy Hughes, John French Chief Executive of the Northern Ireland Consumer Council and Doreen McKenzie from ABTA as On Your Behalf looks back at a quarter-century of the programme. We also look at how the Welfare and Benefits system has changed and we hear from listeners who are always at the heart of the show. This week we deal with a credit card query and have some good news for 18 year olds as Nikki Saunders of HMRC tells us how to get your money from the first Child Trust Funds which are maturing this month!