in september 2020, the financial conduct authority ordered an urgent review into buy now, pay later. people's existing debt burden. when we looked at data from one major bank, and we looked at their customers who took buy now, pay later, one in ten of those customers were already in arrears when they took on a buy— now— pay—later loan. and that for us is really good evidence that at the moment, that proper affordability isn't being checked at this point in the market. instead of at that point - knuckling down, paying off, you know, my debt and kind of sorting myself out — - i essentially turned _ to buy— now— pay—later services instead. when i started first using klarna, it was out of necessity because of the fact that i didn't have the credit card available to me because at the time it was maxed out. so, pretty much, when i started using buy—now—pay—later services, i already had credit card debt. i had about £1,500 on one credit card, another for 500, and an overdraft for 1,000. so, all in, it was about £3,000. unlike banks or credit card companies, buy—now—pay—later firms don't hav

the financial conduct authority believes it'll save those staying loyal to companies around 4.2 billionrs will pay more. nhs staff in hospitals in england say they're going hungry during their shifts because hot food is not available 24 hours a day. doctors and nurses working long hours, under difficult conditions, say they're often faced with empty vending machines, especially when on overnight shifts. last year, an independent review in to hospital food for patients and staff found that kitchen facilities needed to be upgraded. andrew plant has the details. in the past, it has often been food for patients causing hospital catering to make the headlines. but now it's pictures like these — posted on social media. nhs staff finding there is simply no food to be found beside a few lonely snacks and a vending machine. this doctor tweeting on a monday — "night four of four on icu and there's been no sandwiches since friday". working in the nhs, anyway, the hours are quite long and the conditions are quite stressful. the food provision in some places, in some hospitals, i'd say is nonexisten

the financial conduct authority believes it'll save those staying loyal to companies around £4.2 billionnow is charlotte clark, who is the director of regulation at the association of british insurers. thank you very much forjoining us. why has this happened in the past, that you try and stay loyal, and actually you get stung? i that you try and stay loyal, and actually you get stung? i suppose it ha--ens actually you get stung? i suppose it ha ens in actually you get stung? i suppose it happens in quite — actually you get stung? i suppose it happens in quite a _ actually you get stung? i suppose it happens in quite a few— actually you get stung? i suppose it happens in quite a few markets, i happens in quite a few markets, doesn't it? where you get really good introductory offers, it happens very competitive markets, but then when you stay with an insurer or a tv company or a mobile phone company, the prices start to go up. so the rumours coming in are basically saying that the people who stay with insurers, they cannot be charged more than new customers. hosp charged more than new cust