Car Finance Claims for Deceased Relatives

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Products and technologies from our global brands, Norton, Lifeelock, Avast, and Money Lion See it in action at genendigital. com big loooophole fan. It was obviously beyond what we'd expected, So thanks again. It isn't as quick and it isn't as simple, but it absolutely is doable. O justust before we get into that, I think the answer is it would be a struggle. There's a little behind the scenes of the podcast. MPC and ESQ, We're going to reveal that at the end. Hello and welcome to the comingly named The Martin Lewis podcast I do wonder what that's going be about. And this is our Question Time Edition, where you get to ask me your questions on absolutely anything and everything open brackets within reason closeed brackets. And this week, you asked me Can I shift a fifteen thousand pound loan to a zero percent credit card in order to cut my costs Then we go ont to a big success Just one phone call to this podcast and he got back Five thousand pounds Then how do I find out what car finance agreements my deceased father had so we can reclaim for him And finally Can I trick the bank into thinking I'm a hire earner in order to get them to give me a free five hundred pounds Play the theme tune So no. Hello and welcome to thisQuion Time edition of the podcast. Now I know many of our listeners have a weight problem. They just can't wait for the man I'm about to introduce. Yes, it's Professor, sir, doctor Matthew Burnham EsQire, our podcast producer, the curator of questestions himself. Hello Matt. Hello, thank you very much for that You like the big intro. I love the big intro. Can we just say as I should always say, legally, Matt only has those titles within the canon of the questestion time podcast. He hasn't actually earned any of those titles. Literally none of them. literally none of them. But he still gets called them here anyway. And we're delighted to have you. It is Matt, who you need to butter up if you want your question to be asked to because it is he who decides what questions are going to be asked? Although to be fair, I've heard you're taking some weeks off Yeah, I've taken I think they call that derelict of Juty. A few. Yeah. You might have to lose a title or two. No, definitely not If anything, I should gain them when I come back, I'm not sure how that works in any way. But many of you will know last week, we told you that we're giving you the choice of what our contributors to the podcast would be known on of from going on in future and we'll be launching the new badge that anyone who calls up gives. Matt Ham, donon't tell us the We'll do the answer the end how many votes have we had? We have had from Rways hundred and seventy six votes That's not bad actually because we did just ask people to email in. Yeah, and we've only given them a few days as well. I know my daughter wanted to email in because she was very into this. so if it's a tie, she gets the casting vote. Is it a tie? It's not. Okay. Not by a long Oh if there's a dominant winner. The choice was between PC, Martin's podcast contributors, also the Monetary Policy Committee of the Bank of England and ESQ extremely savvy questioners, which will be known as Asquires.. That was the choice that you've got. We're going to reveal that at the end. Let's get on and do some proper stuff with the first question. Okay, we'll start with a question from Arvin. They've emailed in to Martin Lewis podcast BBc. co. Uk. Dear Martin. Not even Dear Martin the Matt. By the way, Dear Martin is allowed. You're not in trouble if you do that with me, but Matt does have a little droopy face that happens if you don't say and Matt as well at the end. Arvin says I have a fifteen thousand pound loan at five point six percent. Can I take out a n percent credit card and pay off Okay I think technically there is a way that you could potentially do this, but I think it is going to be very difficult to do in practice for a number of different reasons. The first is that fifteen thousand pound credit limit on a credit card would be quite difficult to obtain. you need to have a pretty high income and a very good credit score to do it. The fact you've already got a fifteen thousand pound loan when you're applying will make that more difficult unless you're on a very high income. So ultimately you might be looking at needing a number of different credit cards in order to do it And you're stymied in that because we then have to look at How do you get the debt from the loan onto the credit card You can't do a normal balance transfer which is where you shift the debt from an existing credit or store card onto a credit card with a loan You could get really clever and get a zero percent for purchases card then do all your normal spending on your purchases card, which would leave money building up into your bank account that you then pay the bank account, then pay the loan off with so that the debt is all on the credit card instead, but that would take a very long time for fifteen thousand pounds. So that was almost a theoretical option that I'm ruling out whichich leaves us the main route, which is what is known as a money transfer card A money transfer card and they are very rare is a credit card that allows you Pay money directly into your bank account and then owe the card at zero percent instead You could then of course use the money in your bank account to pay off the loan Tesco Bank has one, Virgin money has one. Tesco Bank is fourteen months zero percent, Virgin money, twelve months zero percent. So you can hear that the money transfers zero percent lens are much shorter than on a balance transfer where you might get three years, thirty six or thirty eight months So you'd have to be paying it off very quickly and you're going to struggle with the credit limit. and the fee is normally about four percent Now just to get really nerdy If you have a fee of three or four percent on a thirty six month zero percent card Well, it's sort of depreciating over three years. You know, you spread that cost over three years. so it's not that bigg a transaction cost. But a four percent fee on a twelve monthzero percent card is actually quite hefty So in practice I think the answer is no. If you have the ability to overpay parts of the loan, you could shift some of it onto a zero percent card and that might be more efficient. Let's say you got three thousand pound credit limit, you shift some of itto a zero percent card for a year, you pay off the zero percent card within a year, making sure you make at least minimum payments each month then you'd have shifted some of the debt to zero percent. and that's more feasible But it is also remembering I told you it was technically tricky it's also worth remembering that when you pay off or part pay a loan, there can be redemption penalties. They tend not to be that big, but you would have to calculate if factoring in the redemption penalties and the money transfer fee it was actually worth doing So I think the honest answer unless you're really financially sophisticated and have understood all this quite easily and know what I'm talking about five point six percent is not that hefty for a fifteen thousand pound loan. I mean you wouldnt it would be very difficult to get one much cheaper. So I think the answer is it would be a struggle and you're probably better off staying where you are and overpaying If you're allowed to overpay that loan, it's worth checking out if youve got to spend money overpaying the loan to get rid of the debt more quickly or putting a little bit on a money transfer credit card. but it is quite a complicated thing to do. so a lot of caution in there Did that make sense, Matt? Yes, I mean, you lost me halfway through, but I got it. I understand. Yeah. I think that's fair. I mean, it is a technical answer. and you know I have to give a full and fair answer to make sure that Arvind understands what he's doing. I would say anyone listening and thinking of doing that, listen to it back again and then go and do your reading on reputable sites about how money transfer carts work becausecause you really need to understand the process Second question in the program is normally a caller. Yes. Are we playing standard format straight back today? Yes, kind of. A call caller Yes. but with a success. And we've already spoken to him on the podcast before. I know. So now now this is o, just before we get into that We I said last week becausecause you're now going to be giving badges out to callers, this week was the first time that a caller who's been on the show gets a badge. Yes. Crect. Correct. Though the bades are not made yet, so they're going to have to wait. No So this is our first and he has been on the podcast before This is our first badge recipient. Yes. Mark in Northumberland. Mike. Are you excited? You're going get the you're the first recipient of our badge, which we haven't yet announced what the badge will be, but there's going to be a badge. Oh wow, I can't believe it. Number one I mean, number one? Yeah. You are number one.. I mean, you're a winner. I mean, frankly, that's your bucket list done, isn't it?? I mean bure winner all around here. The bucket list just said, I want a badge from the Martin Lis Question Time podcast. Once that's done, you could retire our feet up the whole thing. Well done, Mate, cononggratulations. I'm gonna have to get a frame for it number one next. Absolutely. Yeah. Two time podcast appearance and a badge first badge recipient. By the way, I know we should be answering the question But we are going to have to come up with a policy that if we had given him a badge last time Would you get a second badge? coming on again g.? I think it's a limit of one badge per person. You don't need two badges. They're the same.'s a badge a gold' an argument. too obligations now Sall we on with this? Yes, so it's your success, isn't it, M It is, yes. Martin, we spoke in January. I gave you a called and asked the question because admited section seventy five A you b builder Yes. Okay that's right, ye,es. Yes. Yes, that's about your builder when pzzed. It's not about some you're not trying to enlarge your chest, yes. No s on So yeah, it went bust and we ore about seven thousand point fiveal thousand pounds and we'd had section seventy five was rejected.. So it was really a cry for help in January. And you suggested as a last resort to try chargeback because About five thousand of that seven and a half thousand was paid by credit card. Yeah So I raised that with it was MMS Bank. I raised that it was the same day as the call and filled the form, I gave them the evidence. And within about twenty four hours I said, yes you got a valid claim Um goosebumps. I promise you, I genuineally have goosebumps. I'm so pleased to hear it because it was it was my last thing scraping thet of the barrel that I could think of. Brilliant. It It was a last chance and what they actually didn't realise I did this, but they actually recredited the money Same day U But I didn't know this either, but it has to go through mastercard and you've got to wait sixty days before because just to explain to people. so the way a process a chargeback process works. It's actually it's your card company or bank in this case asking the vendor, the firms, card company or bank for a reimbursement because you did not receive the service. So there has to be time for the other people to put in an objection Yes. and they did. They objected after about four weeks. But to their credit, MMS forought my corner and it was successfully challenged and I got a call. so I got an email a few days ago to say It had all been successful, it was all complete and they sent the money through. Oh wonderful. I'm so pleased. Yeah Yeah, I mean, it's not everything that we had, but it was better than the nothing that we thought we were going to get. five grand, five grands. You've gott to look at it from that perspective, haven't you not what you lost because you've lost everything and this way you've got five grands of it bat. I'm so pleased. Yeah. And so it was a big thank you from us, you know for the help And also, well MMS as well, they actually gave us an additional two hundred and fifty pounds as an apology because they said they should have also told me about chargeback as well. So they had missed out on that, but you caught it so. fantastic. I am genuinely smiling. I love this. is why I do it, right? And absolutely wonderful. I just going I'm just going for everyone listening. just want to just do a little get a bit techical nerd because I think this is interesting So section seventy five that Mark was talking about is where if you buy something on a credit card that costs between one hundred pounds and thirty thousand pounds, credit card company is jointly liable with the retailer So if the company goes bust you can go to the credit card company for it. If I remember, in your case it was over thirty grand, wasn't it? It was, but I was trying to argue because there was distinct stage payments in there at but that they didn't They didn'tcept. So you could have gone to the Ombudsman with that, but I'd said, I think if I remember rightly at the time, I said I thought it was unlikely the Ombudsman would award because There's a hard rule over thirty thousand and were your transaction was over thirty thousand for your building Well I did it as well and you were right. The Ombudsman rejected.. I had to try everything. You're quite right. Now what's really interesting now section seventy five is much meatier than charge backack because it's a legal right. Chargeback is a sort a term and condition of visa master card or AMX, sort of like as an internal dispute resolution process as opposed to a law. Actually If you have a chance at to charge back They tend to be in some cases more successful because You If it's seection seventy five and if you had let's say you had a case with seection seventy five, MNS bank would have had to pay and it might have tried to fight you because it doesn't want to pay But if you're doing a chargeback, MNS Bank suddenly becomes your agent on your side because it's going, well actually, he's probably got a case for a section seventy five if he doesn't do a chargeback, but we'd far prefer that he does a chargeback because then he gets theoney money off the vendors's bank rather than off users and we don't have to pay out So there's an argument that chargeback is in the interest of your card or bank to do because they're not the one shelling out If you have both cases, what you should always do is you should put in a note, right? You've done this. I know M marka, I know you've done yours, but just for everyone If you do I would probably start with a charge backack, but say if the chargeback doesn't work, I reserve the right to do a section seventy five you know and put that in and I want to put a note that I would like you to try both. And that way you actually give them a sort of a vested interest in helping you, which is exactly what happened in this case. And I am delighted. So are you how did you get with the building work? didid they half do it? do I remember They made a start that hadn't done very much, so we've just been waiting really to know to get the outcome of this before we could restart it. so we're just about to get going again. So well the job is back on. Great stuff. I wish you all joy and happiness with it. And thank you so much for getting back in touch. We love a success like this. It's brilliant. Thank you. I to I had to say thank you because it was obviously beyond what we'd expected. so so thanks again My pleasure. Thank you for calling. I mean look forward to your badge. I mean five thousand is one thing. I mean, five thousand peopleeople get money all the time, but I mean the badge. surely, sureurely that's Trump a badge, two hundred fifty from MNS. I mean we want your luck. Cheers M. Cers. All right, thank you. byee. Thank you. M, I do not think we could have had a Bet caller to get our first badge. I mean, it was absolutely Rosie saying yes in the background, it was absolutely Honestly, just listening to that, I was beaming. Yeah. I was so happy. Wonderful. Right, what we got next? Question read Chris It's a read. Question three, it's a read. He starts dim up. I wonder what people think when I say that each time. I'm getting a read. Well, yeah, I'm saying no, but more Should we just stop saying what it's going to be next? Is it very obvious? because I say it I don't know. It's a good podcast. It's enjoyable listening. Justking too much into thinking. Right. It's literally my job to overthink. It's literally why I'm here Anyway, Chris's question starting with dear Martin and Matt. Nice. Well done well done Chris. Matt's got a I can't we're not in the Have you got a little smile on for that? A little smile. I've just accepted it. I' glad you mentioned me Exactly, and as I say, I think that's right. Yes, you do. And by the way, just to say, if you want to you know we're here for saving anything, if you want to save characters, we're fine with an AMusand as well as an am. Oh yeah, we do like an MMM. Yeah. ye ye. He says, I've seen the Lloyd's preremier account bank switch of five hundred pounds with a minimum pay in of five thousand pounds a month Could either of the possible loopholes below work or do they need to see a minimum five thousand pounds go directly from your employer into the account? So could you switch an account with the three or more direct debits as requested? Then either one pay in, say a thousand pounds withdraw it Then deposit again five times to hit this criteria O, transfer five thousand pounds from an ISA to hit the criteria each month, then withdraw back to the ICA and repeat to still fulfill the criteria each month And he also says thank you for the time, guidance and support you've given everyone Oh, well, thank you very much for that, Chris Short answer I don't think it work Long answer I often have actually suggested that mode for normal bank accounts where let's say you have to have an income of twenty thousand pounds effectively or have fifteen hundred pounds going in a month, that if you're just below it, let's say there's a minimum criteria of fifteen hundred pounds income and you've got income of thirteen hundred pounds, that what you could do is have your thir thousandteen hundred pounds going in from your salary, then take that out and put it back in again And therefore, that will hit your fifteen hundred pounds trigger. And on most normal bank accounts, that will be absolutely fine Premiere accounts, which are designed and designated for high earners. And the reason they're paying, you know and there are about three or four of them at the moment, paying hundreds of pounds for, five hundred pounds to switch The reason they do that is of course, they want to buy your custom and cross sell you other products, and that's really quite important to them. They tend to have stricter processes and stricter monitoring. So it's much more difficult I think if you were saying to me I earn fourour thousand eight hundred pounds take home after tax a month Could I top it up with an extra two hundred pounds? I think there's a chance you might get away with it If you're saying to me, I earn two thousand five hundred pounds take home in a month, can I play with the rest of it to get myself up there? I think they will spot it It's worth saying that I believe that when you apply to Lloyds for the preremiere account that gives you the five hundred pound three for switching and the other perks, Asks you to confirm that you can pay in at least five grand a month or have a hundred thousand pounds saved or invested with Lloyd's. So you actually, first of all, you're making a declaration and always on a financial form, do not lie neverever like because it can arguably be fraud And on top of that, I believe, and this isn't a hundred percent confirmation, but this is my sort of generalized knowledge of how these typees of things work that they will be monitoring. And if they can see that the account isn't suitable and you're not meeting the criteria. You know, if you're putting a thousand pounds in taking a one thousand pounds out, putting a thousand pounds in taking a thousand pounds out and you do that five times I think they would spot it relatively quickly within a few months and they would get in touch and say, we don't think this is the right account for you Whether or not they would ask for the five hundred pounds back, I don't know, but I think they would have a strong case for doing so So while I love a loophole Chris, I love a loophole. I'm a big loophole fan. I started my career by finding loopholes and that was the way I started. I think this is perhaps a loophole too far. That phrase doesn't work. What would be a good phrase? A loophole too far a loophole too big, I didn't But anyway, I don't think it work Are you sitting there thinking, Oh I know what I wanted to ask him? Well, this is your opportunity. If you've got a question, then just send them in to Martin Lewis podcast at bbc. co. uk and please do start them Dear Martin? No, dear Matt Dear Martin, there man Now I'm styling it out. I've been doing the whole program of me trying to guess whether it's a caller or a read. And so I'm going to continue to do so. and I'm saying E because this is question number four is a caller. Close. So it's a question from Jonathan. I asked him if you could command. he wasn't available, but he has sent us a voice note. seventy five percent of a call. I think I get seventy five percent right A voice note is basically a caller. Yeah Oh hold on, hold on, hold before you play. Oh We haven't catered for this in our badges. scenario. Does Jonathan get a badge? Does Jonathan get a badge? Is a voice note? Is a voice notote a caller for badge purposes? Would you say that because his voice has been on it I actually am going to say and I think you know what? I know you're the producer. so ultimately this is something that you asked our editor Tom if you're allowed. I'm going to make I think Do a voice note, you get a bad ye. Your voice has been on it. Exactly that's right. Yeah let's check with with, you know Bbastion of All Th things Moral, Rosie Nodding Ros's nodding.xcellent Rosy sitting next me in the studio is nodding. I said in the other week, if you didn't know who Rosy was, I'd tell you in the future I should tell you. Rosie is my researcher who works with me on everything. She's absolutely brilliant and very clever. and Rosie sits here Be we're doing so many different subjects and I' anwering off the top of my head. She basically sits here to listen and sort of li you fact check me so she can say at the end, you said this and it's not that And I often roll my eyes at her, but I'm very, very grateful that she does it. So's that's who Rosie is if you don't know. But Rosie, I like the fact Rosie has that mystique. She's here she's spoken about. never get to hear her She's laughing at that. Right, so go on, play the voice note Hello Martin and Matt My name is Jonathan from Portsouth. And I was inquiring over how you would recommend going about making a car finance claim for a deceased estate My father passed about five years ago And I'm hoping to help my stepmum make an application on his behalf some credit agreements that we're fairly sure he will have had under those provisions I just wanted to sort of get your feedback. We attempted the free Equifax file as you suggested. It didn't quite work in setting it up I just wanted to grab some advice on how you would suggest going about that What an interesting question. Thank you so much and I'm so sorry to hear about the loss of your father, but well done for helping your stepmother out on this. Yes. so let's start with the primary point Under the FCA's mas redress scheme you if you had a car finance deal spepecifically a PCP or HP deal between april two thousand seven and november twenty twenty four then you may well have been misssold and twelve million agreements are believed to. The only way to find out if you've been misssold is to put in a complaint, but to put in a complaint, you will need to know at least the details of your car finance agreement. Now it is absolutely plain that if somebody has passed away then their primary beneficiary or the executor of their estate is able to put in a claim on their behalf So the question you're asking Jonathan is absolutely a legitimate question. and what you're talking about is really quite interesting because Under the FCA's mass redress scheme, they will have to seek out people who have been misssold. So not only is it if you've complained, although it's always better to complain because the process is simpler and quicker if you complain and there's no issue of whether they find your details or not But even if you haven't complaining, they will have to seek out people who've been misssold. My concern is if someone's passed away and has been misssold, then there can for obvious reasons be difficulty in contacting them and finding out who the primary beneficiary is. So I would strongly suggest If you're in that situation, you want to put a complaint is, but just as you're asking and I know Jonathan knows all this, but'm just I'm doing it for everybody else as well that you want to find out your car finance details, but you are right, the normal process for people to put in a complaint If they don't have finance details, is you go to the Equifax app, it's the free part of the app you do not need to pay. If you're paying, you haven't got it right and there's a car finance button and it will tell you all the past car finance agreements that it's a aware you had. It's not completely exhaustive because not everyone would have been on there, but I'm getting a lot of great feedback from it And then you can go to one of the free DIY complaint tools that are available online. I can't give out where I would suggest you do because I'm not allowed to say it, which you could probably therefore work out for yourself What My view is of the free compate tools, but there we go. and you don't need to pay anyone to do it. So what do you do in your case Equifax says becausecause clearly, It's very difficult to do a direct data recognition of is this person entitled to the data? So you can't sign up. How do we know? I could go and sign up and say I'm doing it on behalf of somebody who's passed away. So it makes it all the more difficult. You can't do it directly via the app But they have says that executives and primary beneficiaries should contact Equifax by phone or letter or preferably an online help account, which is equifax. co. uk forward slash ask and then they will require a copy of the death certificate doocuments confirming the name of the executor and various other ID that proves that you are the legit person to be asking and doing this and then they can provide you with the information It isn't as quick and it isn't as simple, but it absolutely is doable And we had that question from you in the past. and I actually I asked Matt to hold it because I wanted to do some checking on how you did it Thank you very much for asking the question. Thanks so that I've now done the checking and I'm going to put that detail out in more places so other people are going to be able to find out what to do on the back of your question. So Jonathan, thank you very much and I hope it answers it fully. Please do let me know how easy you find it becausecause you're my guuinea pig case study in a nice way Okay, so Matt Normally this is point you do the funny. Are we doing the funny this week? or are we going straight into Esquire versus MPC who our contributors's name is? So I've just gone into our inbox to have a look at the votes and I found an email from Scott. He's emailed. He says Hi, Matt and Martin, slash Martin and Matt So he's g for both. I think he's tried to cover both caces yeah fair enough. He says Love the pod. Is the end of the pod sign off argument a pre recorded insert, or is it a fresh argument that we do each recording So We have a standard one that we play in the middle which is the Matt and Martin thing. And that's a standard record, isn't it, Matt? Yes. We've got that because once Matt's putting the pod together, I mean, you should probably answer this more than me. Once Matt's putting the pod together, sometimes we feel that we need that as a break and it's quite good to remind. And so Matt can do that without us having to pre plan it. He's all got that on tap.es. But the one at the very end I record the intro and the outro, which is what we call them of the pod each week And so yes, that that is generally a fresh one, isn't it? And it is off the cuff as well. We don't we don't it's off the c. what we're going do when we do it we just And if you listen to the big topopic podcast where I always end that one by sort of having a go at people who don't like the pod but have managed to listen for an hour and so that is also off the cuff And Matt will note when I record it, sometimes it works. have and sometimes it doesn't. But that's the joy of a podcast as opposed to live radio because you can Have a go, see if it works. And then if you both afterwards go,, I'm not sure that worked. We just don't put it in because therefore we can sound more polished and brilliant. There you go Almost everything I do is live, so it's great for me to have a little bit polished in this pod. Absolutely. That's a little behind the scenes of the podcast. Yeah. Now, Matt How are we going to do this I don't I do not know what the winner is, whether it's whether what we're going to call our contributors is monetary policy NPC's or ESQs or squires. I mean, this is big Yeah it is big. Have we done a press release? We haven't got prepped yet. I think Rosie's in the process. C. Can we have words with the BBC ten o'clock newews? Yes. And maybe I just think maybe, I mean, I don't to go over the top. it shouldn't be first I mean, it should be first on the news know it But maybe that I'm finally bit. I could see Fiona Bruce reading it out Yeah just a little Clye Clyde Cly Clye And finally, It's been announced that the name of contributors on the Martin Lewis podcast brackets Question timee Edition closeback that Martin presents with Matt is. And then a big drum roll and a big drum roll. I some confetti on the set? Oh, you know how they used to do they still do the lottery program? I don't think they do. I don't think so. We could just have a special one off like lottery program in five minutes to announce it Orhall we just tell us? tell us what I think we should just tell us. So should we just do a quick background if you haven't If you don't I think they've got it. Okay. We ask for your suggestions We asked for everybody's suggestions, right. And we short in X factor style, i. e, we dictated and got rid of all the ones we didn't like, so that we didn't have to be called them, so that we would be happy with whatever you picked. We narrowed it down to two based purely on our own selfish concerns. Yes. But there is some jeopardy involved in this becausecause of the two options ESQs was suggested by Steve listener, Steve. Yes. But NPC was suggested by podcast producer Simon. J. who produces topic podcast that we do with Adrian on a Thursday. Yes. So of course, that's slightly threatening to Matt's dominance within the questQuestion timee podcast. Matt is also going to be letting Simon in because Simon will be producing, Well Mat's taking those few weeks off. That's your issue Matt. That's your own issue So Matt clearly favours ESQs, but we've got NPCs in there Matt. Do I have to call for an independent audit of the or you know, hand on heart. hand on hand hand on heart. I would send Rosie in I have gone through and every email I've ticked off. Okay. So I can see that I've counted the vote. I have a tally chart on a spreadsheet. It's counted it up for me. like I've got my hand in the air. Rosie let me just check Rosie, do we trust Matts counting? Rosie trust you, Matt's I trust you. Perfect Do you want me to reveal the o? Okay, so we had one hundred and seventy six votes as of email. Via email as of starting the recording of this podcast. Yeah. whichich is actually quite a lot for the method we chose. We didn't make it easy. We have to emailays as well U so Dner with sixty six of the votes. Just telling you, you can't do this. You can say the vote number and if you do the runner up, we all know who the winner is. So you want to give the winner you got to do the winner as an. So what you do and having done this many times is you say, as I can now do the mask because you've just told me The runner ar got sixty one votes The winner Got one hundred and fifteen votes, quQuick mass, you see? Well that's just sixty six. What's that? It was sixty six. It' sixty six. I'll got get it all wrong. Okay, the runner up got sixty six votes, the winner got one hundred and ten votes. and the winner it So you were doing the winner it drop me did it I get or just no no, no, no keep will being. Okay, okay okay. R R is enjoying it very much, whichich is always a good way to tell if the listeners will.ight I was just saying that if you tell us what the runner up is, you've effectively announced the winner. I say. the winers but you've done it on a negative. I can't do it on the negative. you have to it on the positive. I was going to say is the runner up with sixty six of the votes was and that means that the winner is Okay, Yeahah, but no no no because then you've done the big moment on the runner. Okay o. becausecause our listeners are clever enough to work out that if you've got two options and one is runner up, they' going to work out straight away what the winner is. So the proper announcing etiquette is like in a boxing match and in a split decision Judge so and such scores it ten to eight, but they don't say what the score who got the ten and who got the eight? Judge so and such score is it They just say what the score is. So so we're going We're going to go from the top, we'll keep all this in and you're going to announce the vote numumbers and then you're going to announce the winner. Okay. Okay. good luck, Matt This is your big moment. This is the bit I'll cut on the ten o'clock news. Yes. The runner up got sixty six votes. O, did't they? The winner got one hundred and ten votes And the winner wasas Equires, I knew it. I knew it. well done Equires It's so happy.ty Canadas are going off in the story. Sorry pop producer Simon and well done. That's a great way to finish. I would like to thank all the Equires who have been in touch When we come to next week's podcast, I'm going to record a new intro and I'm going to write a new script intro because the script the intro is scripted already be recorded, which includes explaining what a squireres is and that's going to be the new way we go forward. And well done to our badge holders from today. If you put a question in and are an a squire and podcast producer Matt gets in touch with you and says We'd like you to ask a question. Remember? If you record it, or even better you come on live What an amazing place to finish, honestly. And that is it for this week's Question Time