Cheat or rascal not working (3,3)
I believe the answer is:
'cheat' is the definition.
(to rip someone off is to cheat them)
'rascal not working' is the wordplay.
'rascal' becomes 'rip' (I can't justify this - if you can you should give a lot more credence to this answer).
'not working' becomes 'off' (switched off).
'or' is the link.
Can you help me to learn more?
(Other definitions for rip off that I've seen before include "Fraudulent sale" , "Inferior imitation" , "Tear away; overcharge (slang)" , "Modern phrase for swindle or exploitation - that's torn it" , "Daylight robbery (informal)" .)