Social experiment highlights lax attitude people have to fraud

One in four Britons have fallen victim to a scam at some point in their lives while three quarters worry about fraud, according to new research from Santander. With the help of Paul Wilson, a scam expert and host of BBC TV show the Real Hustle, Santander took to a shopping centre to see how easy it would be to glean information from the public.

Savers could be in line for a wave of top new National Savings & Investment deals. Philip Hammond has already announced a three-year bond to go on sale in late spring.

Ford unveils new 2017 Fiesta with crossover and up-market versions

These are the first official pictures of the new-for-2017 Fiesta - a supermini Ford claims is the most technologically advanced. So will it still be the UK's favourite car this time next year? With the addition of a jacked-up crossover variant and a premium offering, it has a good chance of appealing to an even wider audience.

Residents in the South East are being offered free card defenders to protect them from contactless card fraud. The move follows warnings that 'electronic pickpocketing' is on the rise nationwide.

Last weekend, GB Energy became the first UK power firm to go bust since 2008, blaming soaring wholesale costs. Its 160,000 customers will be passed to Co-operative Energy.

Beverley Lawrence from Keighley, West Yorkshire, had been tricked into authorising £2,015 to be paid out of her account by a smooth-talking conman who claimed he was sending her £200.

Insiders say half of the tickets for high-demand music concerts, theatre performances and sporting events are now being bought using sophisticated touting software.

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FTSE LIVE: Footsie strong as oil prices leap on optimism for Opec deal

Around mid morning, the FTSE 100 index was up 40.6 points, or 0.6 per cent at 6,812.6, below the early peak of 6,825.96 but well above an low of 6,765.23, having shed 27.47 points yesterday. Brent crude stormed higher today, jumping 5.2 per cent to $48.80 a barrel in morning trading as most analysts concluded that the Opec cartel will manage to cobble together a deal in Vienna to cut production to some extent.

RBS, which is 73 per cent owned by the taxpayer, emerged as the worst performer in the stress test and has drawn up a plan overnight to bolster its resilience in case of a financial crisis.

Britvic shares shot up 36.5p to 584.5p, while Greene King fell 18.6p to 692.8p. It comes as the chief executive of Greene King sounded the alarm on the clouds gathering over the pubs sector.

The country is voting on Sunday on constitutional reform - and Prime Minister Matteo Renzi has said he will resign if his proposals are rejected.

Waitrose, which is owned by John Lewis, also benefited as increasing numbers of families celebrating the US Thanksgiving holiday drove up sales of turkeys by a third.

Home-listing website Zoopla posted a 38 per cent rise in full year profits, while Telford Homes anticipates doubling the size of its business over the next five years although its profits fell.

ASK TONY: A cast iron drainpipe fell on my car, so why does More Than want £250?

My car was parked when a cast iron drainpipe detached from the car park wall and fell onto it. The damage was repaired through my insurance company, More Than, but I had to pay a £250 excess. The company that owns the building admitted responsibility, and More Than received its outlay from the firm's insurer. But I cannot get back my £250 excess.

Pension firms used scaremongering tactics to pressure ministers into a U-turn and deny five million savers the chance to trade in rip-off annuities for a lump sum.

Halifax has made it easier to get an interest-only mortgage. Borrowers must now prove their pension is on track to hit £400,000 at retirement and will be allowed to say they will sell home to clear debt.

Online bank payments shake-up means extra information on where they go

The payments industry is set for the most radical set of changes since the 1960s partly in a bid to stop the tide of fraud facing current account customers. It proposes a key new safeguard called 'confirmation of payee' which it believes will help prevent financial fraud.

The average easy-access rate on offer to new savers is now 0.73 per cent, down from 1.09 per cent a year ago, according to data firm Moneyfacts.

The president of the Society of Motor Manufacturers and Traders Gareth Jones has urged ministers to negotiate to remain within the EU's single-market customs union

Money Pit Stop: I want to buy a holiday home - where should I invest?

Our reader wants to afford a holiday home in Europe in the next 25 years and generate up to £120,000., but he has just got married and want to have children. The 27-year-old says 'I want a return of between 7 and 8 per cent and I'm wiling to take on higher risk to achieve that.' We get an expert's thoughts on his portfolio for the Money Pit Stop column.

Sterling is still 10 per cent down against the euro since the referendum. It has recovered 5 per cent in November, which means all those warnings about higher prices may need to be revised.

Every time I use online banking to pay a bill or transfer cash, it fills me with dread. You need only get one digit wrong and your money could disappear into someone else's account.

State pension gets 2.5% rise to £159.55 and £122.30 thanks to triple-lock

The rises of just under £4 per week and £3 per week, mean Chancellor Philip Hammond stuck to a Tory triple-lock pledge to decide annual rises in the state pension by whatever is the highest of price inflation, average earnings growth or 2.5 per cent. But he has ordered a review into the cost of the guarantee and whether it is affordable.

Under current rules, cakes and biscuits are not liable for VAT. But biscuits partially or wholly covered in chocolate are categorised as a luxury, subject to 20 per cent tax.

GB Energy's replacement, the member-owned Co-op Energy, is offering customers the same price they were paying on their previous plans, until the end of their tariff.

Carmakers join forces for high-powered electric car charging across Europe

Four car-making giants have committed to building 400 sites across Europe to fast charge electric cars in a fraction of the time it takes today, even beating Tesla's Supercharger stations. The new installation will provide thousands of additional charging points for EV buyers to help make long-mileage trips a reality and encourage more people to adopt pure-electric models.

Buyer demand is returning to the housing market, as after several months of lacklustre figures mortgage approvals rose strongly in October.

Anyone who fears they may soon be unable to manage their affairs because of illness or age can appoint someone to manage their money on their behalf - this is called power of attorney.

Why are energy bills rising? We look at what next as Big Six hike prices

Customers lulled into a sense of security after two years of falling bills are in for a shock this winter, with energy costs on the rise again. All but one of the big six energy providers have bumped up the cost of their cheapest energy deals since September, according to comparison site uSwitch, while GB Energy has stopped trading.

Baking celebrity Paul Hollywood will open Knead with SSP Group, which runs Upper Crust and Millie's Cookies and runs big brand franchises at airports and stations.

Up to a million higher-rate tax payers could have been turned away by high street banks because of a bad credit score, according to a new survey.

Classic sailing ship moored in the heart of Paris goes on the market for £1.3m

If you are after a holiday home with a twist, this takes some beating. The classic boat dates back to the 1913 and is moored in the French capital Paris with views of the Pont Neuf bridge and the Louvre museum. It boasts a mahongany interior with a 16m living area that includes a kitchen and skylights.

Five reasons why a pensions dashboard will make you richer

By next March, the government - together with eleven pension providers coordinated by the Association of British Insurers - will have launched a prototype Pensions Dashboard . It won't be available to the public, but by 2019 the dashboard should have been rolled out to everybody. According to the Treasury's announcement in September, the Pensions Dashboard is 'a platform that lets savers see all their pension pots in one place and will help them to plan for their retirement more effectively.'

Retail fund sales slumped in October as nervous investors kept their powder dry ahead of the US election. Although net sales stayed positive, they were down by two thirds on the same time last year.

Four in 10 surveyed now say they are willing to take more risk than they were a year ago - rising to seven in 10 for the 18-30 age group. Just 18 per cent were intending to take fewer risks.

Is it cheaper to run a new car or a second-hand model?

New research by MoneySuperMarket has claimed that motorists could save almost a quarter on running costs if they choose a brand new car over a used one. It says a brand new Ford Fiesta, left, at £1,210 is cheaper to run than a five-year-old Fiesta, right. We check up on what that older car could cost and whether the claims stack up once you factor in purchase price, depreciation and real-world fuel consumption?

If you're using an ATM run by your own bank, the sum should be credited back immediately. But if it's operated by another, you could have to wait a month.

MARKET REPORT: Mortgage lending surge and stellar profits at Countryside give builders a

According to the Bank of England, 67,518 mortgages were approved last month, up 6 per cent from 63,594 in September and beating industry expectations of 66,000. The figures were enough to boost shares for builders including Barratt Developments, Berkeley Group, Redrow, Taylor Wimpey and Galliford Try which all benefited from the positive results.

On one memorable occasion, having told managers their Christmas bonus had been cut, Liverpudlian Philip Clarke took delivery of a new Ferrari at one of Tesco's training facilities.

The revival of afternoon tea has paid off handsomely for high street favourite Patisserie Valerie - with £2.3million worth sold over the past year.

Tiffany, which is worn by celebrities including Game Of Thrones star Sophie Turner, said UK sales had been strong despite a softening in Europe overall.

Chinese predators will find it harder to buy British firms in a crackdown proposed by their own government which would place restrictions on how much they can spend abroad.

BT ordered to legally separate from Openreach but hopeful of reaching a 'voluntary' deal

Ofcom said it plans to launch a formal notification to the European Commission over the proposals which will mean Openreach has to become a separate company within BT Group. However, the telecoms regulator said it is still open to BT proposing a better deal to eliminate the competition issues. BT has faced mounting calls for a full split of Openreach, with the division having been being criticised for poor customer service and a lack of investment.

Countryside's annual pretax profits rose to £78.6million, up from £28million a year earlier, as it saw a 12 per cent increase in completions to 2,657 homes, and average selling prices of £465,000.

Philip Clarke was sacked in 2014 just weeks before the supermarket revealed it had overstated profits by £263m. The figure was revised upwards to £326m when Tesco included previous accounts.

I divorced and raised children in the 1970s - what state pension do I get?

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. This week, a reader asks if her years of marriage and as a single, working mum are correctly accounted for in her state pension.

Market Harborough Building Society is offering borrowers the chance to buy a home with no deposit at all - if their parents agree to put their own home up as security.

The Bank of England made the right move in cutting interest rates in August to a new record low of 0.25 per cent, the OECD indicated today - as it also lifted its UK growth forecast.

Barclays new low-cost DIY investing platform links into internet banking

Barclays has squared up to rival Hargreaves Lansdown by combining the clout of its online banking and investment arms to create a low cost investment platform. Current offering Barclays Stockbrokers - which is the second largest retail broker after HL - will be merged into the new service, which is called Barclays Direct Investing.

Is it time to grab a fixed rate mortgage bargain before rates vanish?

Five-year fixed rate loans are the cheapest they have ever been, on average below 3 per cent - and the best are considerably cheaper. With the gap between the average two-year fix and five-year fix at just 0.63 per cent, borrowers can now opt for security with little extra cost, but the best rates are tipped to rise soon.

Many people in the UK are unable to open a bank account because of a poor credit history or financial difficulties - but there are options, even for the recently bankrupt.

Rising fuel and transport costs are pushing up the cost of living for millions of people across the country, Asda's latest income tracker reveals today.

Eight things you need to do to get richer after the Autumn Statement

The Chancellor of the Exchequer's first - and last - Autumn Statement was very much focused on measures to keep the economy out of recession. But there were announcements that impacted significantly on our personal finances, for better and for worse. We look at eight key areas that will be affected - and how you can tackle them or take advantage.

The housing market traditionally begins to slow in the run up to Christmas as people postpone life-changing decisions. But you can still proceed with your sale by following these seven tips

Electrolux has revealed that it is exploring an 'Uber for laundry', where people would rent out their own machines to those without washing facilities.

Best savings deals where savers can win prizes revealed

Most savings rates fail to beat inflation which can make saving feel pointless. But turning a low-rate account into a chance to win a life-changing sum could be the perfect solution. We reveal the prize-linked savings accounts and if you get really lucky - as unlikely as that is - you could end up a millionaire.

MIDAS SHARE TIPS: Tech incubator Mercia has its eye on the long game 

Small businesses are the engine of economic growth, a sentiment echoed in Chancellor Philip Hammond's Autumn Statement last week. As such, he is determined to help them, particularly technology firms and those outside London and the South East. Mercia Technologies is ideally placed to benefit from his good intentions. The group aims to help up-and-coming technology firms in the regions, primarily the Midlands, the North and Scotland. As they grow and their value rises, Mercia's shares should follow suit.

Should you invest in the infrastructure boom that can pay handsome income?

Donald Trump is investing in it, the UK Government has announced a raft of spending, and experts say it's what will keep global economies growing. Infrastructure has been the buzzword of recent weeks. What it actually is can be hard to pin down, but it's essentially anything - be it road or office, house, hospital, school, power lines, internet cables - necessary to keep society functioning.

I got involved in Asos in January 2006 when shares were 85p. I sold the bulk of the holding for £47 a share. But in AIT, shares fell 80 per cent in a single day and two individuals were eventually jailed.

Domino's has announced it is aiming to increase its stores to 1,600 - up from a target of 1,200. But analysts noted that Pets at Home had not promised an end to earnings downgrades.

What's wrong with the UK housing market and how do you fix it?

Chancellor of the Exchequer Philip Hammond this week promised that this government will be the one to get Britain building again. But will a few billion pounds solve decades of neglect that have left Britain in a housing crisis?

It was not the kind of Autumn Statement we had come to expect under George Osborne - all fire and brimstone - but Philip Hammond's debut was not without its nasty side.

The Chancellor froze fuel duty in the Autumn Statement last week at 57.95p per litre, the level it has been at for more than five years, but events elsewhere may drive up petrol prices soon.

Can you legally take out an insurance policy without authority and then make the insured person responsible for it? This happened to me and the insurer is trying to make me pay.

GB Energy Supply's shock closure over the weekend has been blamed on soaring wholesale prices, which made its ultra-cheap prices unsustainable.

SIMON WATKINS: Why Philip Hammond was right to ban letting agency fees for tenants

Philip Hammond delivered an Autumn Statement without gimmicks. That alone merits three cheers. Ill-thought through policies aimed at grabbing a headline became too common under his predecessor. But that does not mean it was a statement without controversy. One such was the decision to ban letting agents from charging tenants fees. Shares in estate agents slumped. Cue carping from the industry.

Hurst, famous for his hat trick that secured the 1966 World Cup for England, believed he would never see again the £253,000 deposit he made on a dream home in Marbella in 2004.

Leaked details of a forthcoming housing White Paper revealed that, among the options being considered by ministers, is targeted support for prefabricated or 'modular' homes.

Maserati's Levante SUV review: It's a sporting bid for the school run

While 95 per cent of customers for the Italian maker's grand tourers, sporty coupes and softtops are male, British bosses say they expect up to 40 per cent of the takers for its Levante 4x4 to be women. The Levante is expected to be a popular sight around upmarket shopping areas.

The nation's biggest car builder has revealed plans to build electric models in Britain during an industry meeting this week. According to reports, it could mean an extra 10,000 UK jobs.

If someone asked you to name a collectible Ford from the 90s, we doubt many people would say the Granada Scorpio. However, this one is a little different, as it's a low-mileage test mule.

Why was I charged £50 when I cancelled my car insurance during the cooling-off period? 

I helped an elderly neighbour to cancel her car insurance in the cooling-off period but she was charged £50 and now the insurer, One Call, won't return any of her phone calls or my emails, even though we have proof it was cancelled in the 14-day window, will she be able to get the money back?

Londoners earn an average salary of £33,720, according to research from property firm Hometrack, but the average cost of buying a home has risen 86 per cent since 2008.

Landlords can avoid becoming the villains of the tenants fee crackdown

Landlords are always ripe for a kicking in some circles, so it should come as no surprise that they were swiftly painted as potential future villains in the ban on tenant fees. But landlords have as much right to be angry as tenants over letting agency fees and it is easy for them to fight back.

Buyers typically pay an extra £119,000 to live in a property based in a National Park, with the New Forest being the least affordable in Britain and Snowdonia being the most affordable.

Unveiled in the Autumn Statement, the bond will be available from spring 2017 and pay out the market-leading rate on deposits of between £100 and £3,000.

How to beat low cash Isa interest rates

The average easy-access Isa now pays a miserly 0.73 per cent, according to figures from personal finance site Moneyfacts.   This spells more bad news for savers: prices are currently rising by 0.9 per cent a year and with a sharp rise in inflation on the cards according to predictions, savers could soon begin to see the value of their savings pot severely eroded.

UK-based companies accounted for 13 out of the top 20 highest rated companies, including pharma company GlaxoSmithKline and supermarket Waitrose.

For 35 to 54-year olds, upping contributions is unlikely to be enough on its own, and they might have to work longer and use other assets like property to generate a better retirement income.

Millions of UK couples keep their income a secret over break-up fears

Millions of couples aged 40 or over are squirreling away cash which their partners know nothing about. Around one in six people admitted in a survey that they've not told their partner how much they earn, Prudential said. With many keen to keep their cash habits a secret in case of a future break-up, around 9 per cent of people confessed to having secret savings and investments their other half has no knowledge of.

The German-owned discounter announced it will pay the higher voluntary Living Wage rate of £8.45 an hour and £9.75 in London from March.

The AA's 11-minute movie has been created following mounting concern about the 'epidemic' of illegal mobile phone use while driving, causing multiple deaths and serious injuries.

With inflation rising, how can you make the most of your investments?

After several years of low inflation, the weakness of sterling post-Brexit, and a Donald Trump win means it could rise as high as 4 per cent by the end of 2017, according to NIESR. How can savers combat inflation and can investors use it to their advantage?

The OBR forecast a £122billion rise in UK debt, with £58.7billion blamed on Brexit. That came as it said the UK would not fall into a recession, but growth would be lower.

Three quarters of homeowners lose thousands of pounds every year by failing to switch

Three quarters of British homeowners have stuck with their mortgage lender despite the fact that switching provider could save them an average of £2,800 a year. Research by YouGov and mortgage broker firm Trussle found mortgage holders were more than twice as likely to have switched energy provider than their current mortgage lender - despite the annual savings from doing so being far lower.  Switching energy provider can lead to savings of around £200 a year, a trifle compared to the £2,800 the average UK household could save by shopping around for the best mortgage, claimed Trussle.

Buyers will have to be told the difference between a provider's own offer and the best deal available - in pounds and pence annual income - from an annuity comparison tool covering every firm in the market.

The Treasury expects to rake in £3.1billion more than it originally expected from the 3 per cent stamp duty tax which was introduced in April on second homes in England, Wales or Northern Ireland.

The F1 car you can legally drive on the road

Just like Lewis Hamilton, you could be clambering into your very own F1 car on a Sunday morning. The only difference is you could be driving yours to a Harvester for a roast dinner. This fully road-registered UK car is up for sale at auction next month - here's everything you should know about it.

If you want to travel in the utmost luxury with the wind flowing through your hair, your best option on four wheels is probably the £267,000 Rolls-Royce Dawn... until now.

Zero to 62mph in 2.7 seconds with zero tailpipe emissions. That's the promise from Chinese electric car brand NextEV, which will make just six of these $1.2 million road racers for its investors.

Personal allowances and how you can earn £27,000 tax free for 2017/18

There are legitimate and important new ways to earn more cash and beat the taxman. Canny money-makers can end up with thousands more in tax free earnings every year than the average UK take home pay. How? Here is our step-by-step guide of what you need to know and do.

Will President Donald Trump be good for investors? Investing Show

Stock markets have confounded forecasts and risen on Donald Trump's election to US President, but will the Trumpflation trade run out of steam? Trump's spending, tax cuts and tearing up of regulations have been seen by traders as spelling good news short term for many US companies - but will he prove to be a good President long-term for investors?

Emerging market countries are those whose economies are still developing. They are attractive to investors because their economies tend to grow faster than those in the West.

Louis Vuitton in talks to buy trendy cycling gear firm Rapha

Rapha, founded in London in 2004 by cycling enthusiast Simon Mottram, is known for high-performance gear and premium prices. The company supplies Team Sky - the professional British cycling team which includes three-time Tour de France winner Chris Froome.

Consultancy Mercer, which analysed data from 66,000 employees across 153 countries, found small firms had the largest pay gap, with a 30 per cent difference in median pay between men and women.

Co-founder George Bramble, below, said: 'The business was launched late in 2009 with my business partner, Toby Massey.

50 ways to save money....

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

L Board sign on the rear of a blue saloon car , UK

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

Handy Brexit table explains the options for the UK's exit from the EU

Despite endless media coverage of the political wrangling and financial speculation, the average Briton can be forgiven for remaining confused about what 'soft' and 'hard' Brexit really mean. About the difference between the 'Norway model' for the UK's post-Brexit relationship with the UK and the 'Swiss solution'. But a clever table put together by HSBC in a report called 'Is Brexit Getting Harder?' cleaves some clarity from the murk.

It would have been nice to have a plan. Instead, after the Brexit vote we were left scratching our heads. But now it's time for some answers on trade and what we mean to the EU.

Pensions Road Sign against threatening clouds

We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?

When will UK interest rates rise?

An interest rate cut before the end of the year looks less likely following the plunge in the pound. However, the Bank of England has indicated that higher inflation driven by rising import costs won't make it lift rates.

What next for mortgage rates?

Several months after the Bank of England slashed the base rate to 0.25 per cent and lenders are still cutting mortgage rates on almost a weekly basis - but how low can they really go? The experts say not a lot lower and it's likely that if you get a mortgage at the moment, it's going to be a pretty cracking deal. 

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

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Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

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