In this week's episode, consumer advocacy legend Mick McAteer stands in for Tim Hogg. We start with a discussion about changes to the Isa rules - including the new 22% tax charge on cash holdings in stocks and shares Isas.

In the second half of the show, we move back to talk about the Financial Ombudsman Service reforms - raising fresh concerns about the proposed changes to the fair and reasonable test.

Email us your questions and suggested topics for discussion to fairerfinance@fairerfinance.com