New Year New Scams - how to keep safe online and on the phone. Chief Superintendent Simon Walls is with us to answer your queries. Also for the New Year, is it time to do an MOT of your finances and create some new habits? Independent Financial Adviser Alice Gavin has some top advice. The 85 year old who paid her line rental upfront only for the BT Computer to say no! And an update on the man who through no fault of his own ended up with a £12,000 bill from universal credit.