Summary: In this week's Which? money podcast, find out how claims management companies work and why you need to be wary of their tactics. Plus, get useful information on debt write off, PPI and bank charges reclaiming. Also in this week's money podcast, find out why Which? thinks customer service is crucial, and discover what we're doing to help consumers pick the right financial providers. And don't miss this week's money saving tip: cheap, quick and easy ways to cut your heating costs.