This morning's business stories, including: The Royal Bank of Scotland group has announced that customers facing repossession will get six months grace before the lender starts legal action. We also discuss this morning how lenders are increasingly turning credit card debts into mortgages. And today is the first day of Alistair Darling's big VAT cut but will it get you back into the shops? Andy Verity and Mickey Clark present. LESS

Andy Verity and Mickey Clark present this morning's business stories, including:
What a week it's been for retailers. Shops are doing what they can to get us in through their doors and get us buying. But will shoppers get into the spirit? We'll also be talking about Black Friday in the US; one of the busiest shopping days of the year.
Also on the programme we discuss the Bombay Stock Exchange which reopens after remaining closed yesterday in light of the terrorist attacks.
Finally, there's a warning that investors are being lured into buying controversial with-profits bonds by insurers looking to cash in on falling interest rates and see-sawing stock markets. We discuss what problems are tied with these types of investments. LESS

Andy Verity and Mickey Clark present this morning's business stories, including:
Woolworths is set to call in the administrators and MFI has already buckled. But was it the credit crunch or just bad management? And as two of the UK high street's biggest names fail; we discuss why a Scandinavian firm decides now is the time to open up new stores here in the UK.
Finally, corrupt mortgage brokers, dodgy valuers and bank insiders are just some of the people being targeted in an attempt to crack down on mortgage fraud. The new National Fraud Strategic Authority has come up with four main ways to tackle hundreds of millions of pounds worth of fraud in the mortgage market and they're already showing signs of success. LESS

Andy Verity and Mickey Clark present this morning's business stories, including:
With interest rates falling, why is the rate on your credit card going up? Later today bosses of the big credit card companies will be sitting down for a summit meeting in London. Also; after the UK and the US both move to boost their economies, what will European leaders do today to get themselves out of a recession?
And finally, we all know that football is big business. And this week 4,000 delegates from more than 300 companies from 90 odd countries have been out in Johannesburg in South Africa trying to drum up trade in the run up to the 2010 World Cup. Soccerex is the biggest event in the world for firms in the football industry to showcase their wares. Among the UK firms there is London based Icon Display. LESS

Andy Verity and Mickey Clark present this morning's business stories, including:
Alistair Darling announces his plans to save the economy in his Pre-Budget report. But will they work to save us from a deep dark recession?
The Chancellor appeared to respond with a raft of measures aimed at helping small firms through the recession; including giving them better access to credit through a government-backed Small Business Finance Scheme, and more time to pay their tax bills. But is it all good news?
And with so many changes to taxation, national insurance, benefits and pensions; we take a look at how the pre-budget report will really affect the amount of money in your pocket. LESS