As lockdown three looms, Aodhan Connolly Director of the NI Retail Consortium discusses the effect this will have on local retail. With complaints to the Financial Ombudsman Service about fraud and scams going up by a third, Mark Steward, Director of Enforcement and Market Oversight at The Financial Conduct Authority explains to Linda why so often the bank's default response is - their customer isn't right. Chief Superintendent Simon Walls also discusses the wider spectrum of scams that are currently being seen across Northern Ireland. Housing Rights was just one of 100 organisations that came together under the banner "Cliff Edge Coalition NI". Kerry Logan, Policy and Public Affairs Coordinator at Housing Rights, chats to Linda about why this coalition was formed and what needs to happen next as our current welfare mitigations come to an end. And, Communication Access UK was launched last month by the Royal College of Speech and Language. The access symbol is given to businesses and organisations who agree to training, on how best to work with a customer struggling to communicate. Linda hears from stroke survivor Nora about her experiences when in shops and public areas, along with Catherine Lowry of the Stroke Association for NI and Ceara Gallagher, Head of NI Office for the Royal College of Speech and Language Therapists, on why this training is so important. Email: OnYourBehalf@bbc.co.uk