On Money Box with Paul Lewis: Mortgage prisoners: Should borrowers have more protection against rising standard variable rates (SVR's)? The Financial Services Consumer Panel wants a new FSA rule to help those trapped in an existing loan, and unable to access a better deal elsewhere when they need to remortgage. But how realistic is it? Gift cards: What happens when a company goes bust? And why do they have expiry dates? And we hear from a Money Box listener who found himself uninsurable because he had a criminal record. New laws could change that.