Flight compensation, The new banks on the block, Disappearing tax credits

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The Chief Executive of German bank Fidor, Matthias Kroner explains why he believes his bank's community concept will appeal to British customers. Fidor, is the latest "challenger" bank to enter the UK market and provide an alternative to the longer established names in financial services. Kroner wants banking to be fun - so we ask for your favourite bank jokes. The Civil Aviation Authority is taking action against Ryanair for failing to pay compensation to passengers for flight delays of over three hours. Ryanair denies it is doing so. The CAA action comes a day after Europe's top Court of Justice confirmed that airlines cannot escape their obligations to pay compensation if a delay is due to a mechanical defect with the aircraft. So will delayed passengers now get the compensation the law says they must have? A detective who specialises in investigating bank "vishing" fraud, admits that the police response to individual cases could be improved. And from April, the Government will reduce spending on tax credits by £4.5 billion, a move which will affect thousands of low income families. Exactly how, isn't certain, as they will also pay less income tax and benefit from a rise in the minimum wage at the same time. Will Hadwen, rights adviser with Working Families - a charity which helps families balance work and home life, explains. Presenter:Paul Lewis Producer:Alex Lewis Editor: Andrew Smith.