Julia Somerville, Angela Rippon and Gloria Hunniford investigate the financial products meant to make money, but which have instead seen some people lose it all. How investors were scammed out of thousands after a mistake by the financial regulator opened the door to fraudsters. And the credit cards supposed to help you if you’ve got trouble with your credit rating – so why does one man say they’ve made his problems worse. And why isn’t the new banking code of conduct getting everyone back the money they say they’re owed due to online fraud?