the government say they are already planning to bring in regulation to protect consumers, but they also say that by now, pay later can be a helpful way to manage your finances. regulation can't come soon enough the debt charities, who say they are seeing more and more people turn to them for help. coletta smith, bbc news. if you've built up a stash of loose change during the last year or so, you are not alone. uk residents are hoarding around £50 million, mainly in coppers. that's according to the banking trade body, uk finance, which says we're hanging onto our coins for three times longer than we used to, partly because of the pandemic. it's recommending that we get the money back in circulation by donating it to charity. the headlines on bbc news... the foreign secretary, dominic raab, holds talks in pakistan, where more than 3 million afghan refugees are already living.