The Office of the Public Guardian has told Money Box it apologises to its customers for the distress caused by delays in dealing with applications for Lasting Powers of Attorney. Its target is turning them round in eight weeks. But its own website says people should expect to wait twenty. It also says it has recruited more staff to process applications and teams have been working around the clock to reduce wait times and are now registering around 18,000 more LPAs a month than before the pandemic. We'll hear from listeners and speak to a legal expert.

If you're one of the millions of people who have a mortgage, or indeed would like to get one, you might have struggled to keep up with ongoing changes to the market in the last few months. In the past two weeks nine lenders have started offering fixed term deals at less than 4% while another has doubled the amount borrowers can overpay. We'll look at how they’re affecting new and existing customers.

How should I invest? New research looks at active and passive investing, we'll speak to co-author Professor Crawford Spence of King's College London.

And how can you avoid an huge estimated bill from your energy company?

Presenter: Paul Lewis

Reporter: Dan WhitworthResearchers: Sandra Hardial and Jo KrasnerEditor: Jess Quayle

(First broadcast 12pm Saturday 18th January, 2023)