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Louise Cooper speaks to artist and listener Jessie who lives with Multiple Sclerosis. Jessie explains how memory loss and impaired thinking caused by MS, made it harder for her to spot a recent bank fraud, costing her life savings.

Like Jessie, we may all experience personal circumstances or life events which make it difficult to manage our money or leave us vulnerable to fraud and theft. It could be a period of mental or physical illness, a condition or disability, the onset of dementia or simply getting older.

So what can banks and building societies do to help us through such difficult times and to protect our money?

Joining Louise Cooper will be:

Chris Fitch, Vulnerability Lead, Money Advice Trust.
Anne Hayes, Head of Governance and Resilience, British Standards Institution.
Martin King, Vulnerable Customers Lead, Lloyds Banking Group and Chair of the Cross Industry Committee on Vulnerable Customers for UK Finance.

We'd love to hear your views, experiences and ideas. Call 03 700 100 444 from 1pm to 3.30pm on Wednesday 20 December, Standard geographic charges from landlines and mobiles will apply, or e-mail moneybox@bbc.co.uk now.

Presenter: Louise Cooper
Producer: Diane Richardson
Editor: Andrew Smith.