Why did switching electricity provider leave one listener out of pocket? And making a plan to stay out of debt over Christmas A listener switched electricity provider and is now struggling to get the credit back from the meter. A cancelled Ferry sailing on the day of departure - are you entitled to the same cancellation rights you would have if it were a flight? Housing Rights says there's been an increase in the number of tenants asked to leave before their lease is up after a change in law but do they have to? And a plan to stay out of debt over Christmas - start as you mean to go on so you don't dread the bills in January, Advice NI's Emma Mullin joins us from Derry.