HSBC's branch closure hitlist: Remember the adverts for ‘the world’s local bank?’ Now see

For years, HSBC branded itself as the world’s local bank, perpetuating the belief among customers that it cared passionately about having a presence on the high street. Not any more. The boastful advertising has disappeared – and so has its commitment to ‘local’ communities. The Mail on Sunday has obtained exclusive details of the cuts the bank has made to its branch network this year. They make for grim reading.

Syncronized Limited, based in Coventry, has operated various services providing sexual content to mobile phone users.

Will Trump make your money great again? How the new President will affect your investments

The age of Trump is almost upon us. The billionaire businessman will be sworn in as the 45th President of the United States on January 20. Here, The Mail on Sunday explores what America under Donald Trump will mean for British investors. As I stand in the heart of Manhattan surrounded by the bright lights of Broadway and festive bustle of Christmas shoppers, America seems to be in rude health.

Swimmer Sharron Davies says she never earned a ‘single, solitary penny’ competing in the Olympics for Great Britain but did earn more than £100,000 as 'Amazon' in the Gladiators television show.

Ofgem came under fire after it emerged that Co-op had been in talks to buy GB Energy just hours before it went bust leaving 160,000 customers in the lurch.

Here at the Mail on Sunday, we have long campaigned for bank branches to remain a key component of this country's high streets.

Those with pension pots have become prime targets for a variety of scams since new rules were introduced in April 2015, giving savers easier access to their retirement funds.

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MIDAS SHARE TIPS: There's sweet success and rich rewards on offer if you check in at Hotel

With just a fortnight until Christmas, thoughts are inevitably turning to food, drink, treats and gifts. Hotel Chocolat covers all four categories. The company specialises in premium chocolate, made at its manufacturing facility in Huntingdon, Cambridgeshire. It also sells alcoholic drinks, such as cocoa-infused gin and vodka, specialist teas and coffees and a range of chocolate-centred gifts and treats, including personalised chocolate boxes, hampers and Yule logs. The group listed on AIM in May, the shares are 264¼p and they should increase in price as the business expands both in the UK and overseas.

On Friday Sky announced it had reached agreement with Rupert Murdoch’s 21st Century Fox on a cash offer of £10.75 per share – described by one observer as ‘the bargain of a lifetime’.

Furious campaigners have accused Royal Bank of Scotland of trying to silence small business owners who claim it destroyed their livelihoods during the financial crisis.

Rather than see its own name in lights, Bullitt Group has instead found a hugely-successful niche designing bespoke phones and electronics for other companies.

Sky chiefs set for £38m payday in Fox takeover - and the firm's investors have something

Sky bosses Jeremy Darroch and Andrew Griffith are in line to share a bumper £38 million payday if a proposed takeover of the company by Rupert Murdoch’s 21st Century Fox goes ahead. Under his contract Darroch, chief executive, has rights to just over 2.2 million shares in Sky while chief operating officer Griffith has rights to 1.3 million. 

The summit with Bentley chief executive Wolfgang Dürheimer and other senior executives at the firm follows unease within the motor industry over suspected Government guarantees.

 An increasing number of firms are jeopardising their long-term survival by paying only the interest on their debt, not the capital itself.

As head of the City of London Corporation Boleat oversees Britain’s financial capital, its multi-billion-pound banking, insurance and financial markets industry.

A study from insurance and employee benefits firm MetLife found that in the past two years, 19 per cent of workers did not get compassionate leave to attend funerals.

Sustainable fashion guru Tom Cridland makes clothes that really go the distance - and his

Tom Cridland, who is loved by celebrities for his sustainable fashion, has started selling £65 Christmas sweatshirts with a 30-year guarantee. The young designer, who founded Tom Cridland in 2014 at the age of 23, said his long-lasting sweatshirt promotes an important ‘buy less, buy better’ ideology. He said: ‘It is a sustainable fashion project designed to lead an industry trend towards protecting our natural resources by making truly durable clothing.’

A fitness concept that offers dance techniques as exercises is looking to open in new locations with the backing of finance firm Octopus Investments.

Virgin StartUp has called on the Government to commit more money to the Start Up Loans Company. It aims to keep the scheme running and cut the number of start-ups that fail in their early years.

'Brexit has helped the company as our competitors are having to push up prices in the UK,

Britain's luxury goods retailers are booming on the back of the weaker pound, with sales to US and Chinese shoppers soaring in past months. Business services group Colliers International found that there had been a 44 per cent rise in retail sales to non-EU visitors since August. One sector enjoying the boom is watchmaking, according to Giles English. He founded the Bremont Watch Company with his brother Nick in 2002, a few years after their father, an RAF pilot, died in an air crash. 

Different in many ways, the two cases highlight how something that should be boring and staid has become at times a corporate scandal, and at others a major problem for British industry.

Millennials think they've drawn the financial short straw

A survey of more than 2,000 investors who hold online accounts with Hargreaves Lansdown found that just 15 per cent of those aged between 18 and 35 feel lucky or very lucky financially compared with other age groups, while 62 per cent feel their generation is unlucky or very unlucky. Among those aged between 51 and 70, 72 per cent perceive themselves to be lucky or very lucky in the monetary stakes.

More than nine out of 10 local authorities consulted by a local government journal confirmed they will push up their charge by the most they can - an increase of four per cent on the previous year.

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. This week, a reader asks if it is a good idea to transfer a local government pension pot and merge it with a private fund.

RAY MASSEY: Bentley's new diesel diamond should get you from London to Verbier on a single

Bentley's first diesel, the Bentayga, is also the world's fastest luxury diesel SUV, claims the company. It's no slouch off-road either, managing slippery slopes and rutted tracks with aplomb. With big 21 in wheels and powered by a triple-turbocharged four-litre V8 engine linked to an eight-speed automatic gearbox (with manual paddles for added fun), it accelerates from rest to 60mph in just 4.6 seconds, and has a top speed of 168 mph, yet will still manage 35.8 miles to the gallon with CO2 emissions of 210g/km.

The average cost to park for an hour in the centre of London is more than the newly increased national living wage of £7.50, new research has claimed. The cheapest city charges 55p an hour, it found.

James Bond's favourite car-maker is to recreate in the 21st century a strictly limited run of 25 lightweight 'track-only' versions of its DB4 G.T. model, of which just 75 were built.

SMITH & WILLIAMSON GLOBAL GOLD AND RESOURCES FUND: Mining investors strike lucky as gold

The gold price has endured a rollercoaster ride over the past year, rising to a high of $1,366 (£1,078) per ounce in July before falling back to $1,164 today. Over the past 12 months, it has risen nearly 10 per cent. Yet investors who have put money in to the shares of miners rather than in physical gold have enjoyed a far better year.

The Global Restructuring Group, RBS’s business recovery arm, has long stood accused of mistreating small firms in difficulty, and even driving some firms into insolvency.

Five years ago Sports Direct boss Mike Ashley threatened to ‘finish off’ his main rival, JD Sports. But buoyant JD Sports is set to end the year worth almost twice as much as billionaire Ashley’s chain.

This week Midas looks at Hotel Chocolat and Gately, while the Sunday Times looks at healthcare property firm Assura and the Sunday Telegraph delves into water giant Severn Trent.

The chief executive of 21st Century Fox, James Murdoch, is also chairman of Sky, which recently screened futuristic drama Westworld on its Sky Atlantic channel.

Gateley is the first commercial law firm to list on the London Stock Exchange, joining AIM in June 2015 at 95p a share.

South African billionaire Christo Wiese, who has been busy snapping up a raft of high street groups in Britain, has seen his fortune shrink by £400 million due to the slump in the pound.

Inflation has risen above 1 per cent for the first time in two years, figures are set to show. Economists expect the ONS to say on Tuesday that the official CPI measure of growth in prices has risen to 1.1%.

The FTSE has risen in 26 of the past 32 Decembers – and if you add together the performance of every month over the last quarter of a century, December is the second best on average.

Government war on landlords has seen London sales collapse and sparked fears for tenants'

The figures from haart, one of London's best known estate agents with branches across England and Wales, follow various tax and mortgage lending changes that have hit small-scale private landlords - including a 3 per cent stamp duty surcharge on buy-to-let purchases introduced in April this year and the removal of certain tax reliefs from April 2017.

A consortium of 30 British food and drinks associations has called on the Government to offer 'unambiguous reassurance' to EU food industry workers that they can remain in the UK.

How to find out how much your car is worth

Struggling to work out how much your car is worth? You're not alone. One of the most common questions we receive is about accurately valuing a vehicle to buy or sell. We've enlisted an expert who sells used cars to dealerships for the highest price to help.

McLaren do package holidays, and they're probably the best package holidays in the world - as long as you own one of their ultra expensive supercars, that is.

It's been rebranded as the Insignia Grand Sport to refresh the staid image of the Insignia that came before it in a hope it can kick-start an assault on premium executive cars from BMW and Mercedes.

The Financial Conduct Authority said crowdfunding platforms needed 'additional rules' after it found it was difficult for investors to compare platforms and to assess risks and returns.

Our flight to Barbados was more than three hours delayed so we claimed for compensation from our airline, Thomson, in January but so far we've had no response - 11 months later.

Jim Rickards talks about the next financial crisis and the price of gold

The next financial crisis is looming and central banks won't be able to handle it. So says Jim Rickards, a New York Times bestselling author, adviser to the US Department of Defence. He explains what it will look like, what can be done to mitigate it and how individuals can prepare - including buying gold, which he believes could increase by almost nine times.

The German discounter has added 200 premium products to its Christmas range, including luxury hampers, a jewelled layered pork pie and rope-hung boxed Scottish smoked salmon.

Sales of gin in pubs, bars and restaurants across the UK in the past year increased by 19 per cent on a year ago, the Wine and Spirit Trade Association said.

I've got my eye on a Grade II-listed house: would I be able to extend it?

If you have aspirations to buy and extend a historic building, here is what you need to know - with advice from Historic England and Lycetts Insurance Brokers. It is a myth that it is impossible to get an extension on a period building but you may need to compromise on some aspects of your design.

British shoppers are the second most likely in the world to have a loyalty card in their purse or wallet, but are among the least likely to utilise the benefits, a global study suggests.

With an average annual cost of £877, the duo claims the tariff is £186 cheaper than the standard variable tariff rates available at the 'Big Six' energy firms.

Chronic housing supply shortage will trigger sluggish start to sales in 2017

A shortage of properties coming up for sale means Britain's housing market will get off to a slow start next year, the Royal Institution of Chartered Surveyors claim. With few homes coming up for sale and others being snapped up quickly, the housing supply shortage is a 'very dominant feature of the market at present', Rics said. The volume of homes coming up for sale last month created a 'flat supply picture', with the net balance of new instructions coming in at 0 per cent.

As consumers, we are endlessly signing contracts. But we're the ones engaging companies, not the other way around. So what if it was we who wrote the terms and conditions?

Are Government schemes such as Help to Buy artificially stimulating the housing market to a point of no return where it can't function without them?

Plunging shares Monte dei Paschi suspended as ECB enforces deadline

Monte dei Paschi di Siena had asked for more time to raise £4.2billion in emergency funds from private investors, but the ECB denied that request today, according to Reuters news agency. That leaves it at the mercy of a state bailout and the report sent shares plunging 14 per cent to €18.73 before trading was suspended.

Crowdfunders - dubbed lend-to-save firms - allow consumers to pool their money and give it to businesses as a loan or in exchange for shares.

The City's reputation as a major tech hub received another boost as Japanese bank Softbank opened an office in London as the base for its £80bn investment fund.

MARKET REPORT: Credit lender International Personal Finance plummets as the Poles get

Yesterday the Polish ministry of justice published draft legislation which suggests changes to the amount that lenders can charge their customers. It follows a cap on non-interest costs that lenders can charge on loans which came into effect in March this year. Currently borrowers cannot be charged more than 100 per cent of the value of their loan.

Administrators liquidating the final assets of the department store are trawling through three years of payments in a bid to claim back any deals that could have disadvantaged creditors.

The British brand founded in 1884 captured the niche for elegant, flattering basics for discerning shoppers. It earned its place in fashion history in 1919 when it introduced the camel hair coat.

Lloyds customers warned over convincing-looking letter scam

Millions of Lloyds customers have been warned to be vigilant against a tide of scam letters purporting to be from the bank, but are actually being posted by fraudsters. In the letter, it uses the customer's name, the Lloyds Bank logo and is even signed off by 'Jamie Smith - Customer Relationship Manager' all in a bid to dupe their potential victim into believing the letter is genuine.

The rates on annuities, which pay an income for life, have plunged, meaning many people are waiting for these rock-bottom payouts to rise.

Fifty-one per cent of people yet to retire haven't started saving anything into a pension pot, while just under half have no idea how much money they'll need, Skipton Building Society said.

New rules in Autumn Statement means workers could lose out on a fifth of redundancy

Workers who are fired on the spot could lose nearly a fifth of their redundancy payout to the taxman under new rules buried in last month's Autumn statement. Currently, employees do not have to pay income tax or national insurance if their redundancy pay is under £30,000. But from 2018 workers who receive a bigger payout because they've been given no warning that their job is being cut - payment in lieu of notice - will have to pay income tax and national insurance on this award.

Fed up spending hours and hours wading through paper to get a mortgage? Mobile-only bank Atom now lets you apply through an app.

From April 2017, embattled landlords will start to lose tax reliefs on their mortgage interest, leading to considerably lower profits for many.

We test the menacing Audi RS6 Performance

Some cars look menacing even when they're standing still. Many of them are Audi estates, and few things short of an incoming missile could look more threatening than the latest RS6 Performance.

According to the wacky carmaker, the Oasis concept vehicle is 'a maneuverable speedster with an integrated small garden plot behind the windshield'. It's also a lot like R2D2 from Star Wars.

The luxury car maker's chief executive Wolfgang Durheimer wants to boost investment in cars, jobs and expansion at its UK factory to secure its long-term future in the wake of the Brexit vote.

It’s time to vote in our Wooden Spoon Awards

We are launching the ninth annual Money Mail Wooden Spoon Awards. This is your chance to vote for the organisation you think provides Britain's most shambolic service. This year, our inbox has been as full as we can remember. There have been catastrophic meltdowns, as well as niggling problems that just won't go away. Some companies are finding more and more ways to mess up the basics. You say it's common for rude staff to trot out 'computer says no' excuses or send you online when all you want is an accurate bill or a simple mistake put right.

I just needed to pay £7.90 for postage of the face cream. But when our Yorkshire Bank debit card statement arrived we saw payments for £89.95 and £1.50 had been taken twice

When my mother's house was sold in August it went for more than the estimated value. Can I get my father's nil rate band to be added to my mother's allowance after probate's been granted?

INVESTMENT CLINIC: Should I move any profits I make on my investments into a savings

I have an Isa and a self-invested personal pension. Am I better off taking out any profit I make on my investments and putting it in a cash savings account, or should I leave it in the fund? I'm 47 and want to stay invested for at least 20 years. H. L., via email

The scammers get a tip-off, perhaps from a garage, that a driver has been in a crash. They then impersonate the driver, calling their insurer to glean more details about the accident and policy.

The glove is one of 28 items Mr Sterling (pictured) bought from Bonhams between 2000 and 2003, and he fears others could be worth much less than he paid.

M&S Bank demanding loyal credit card customers prove identity

In some cases borrowers are being asked for two forms of I.D. that have been signed by an independent professional. The move primarily affects long-standing customers who applied for a credit card before M&S; Bank introduced tougher identity checks to prevent fraud. But shoppers say the demands are 'way over the top' and fear they could be blacklisted by the firm if they do not comply with the security checks.

Any saver with cash to invest would think this troubled superpower is surely a place to avoid. But scratch beneath the surface and you'll find there's more to Mr Trump's plans than meet the eye.

Have you tried comparing the prices groceries in the supermarket recently? Crafty bosses at big stores have made it almost impossible to work out whether you're getting a good deal.

Why taking out £100 cash on a credit card can cost you £7.20

Banks are exploiting a boom in customers withdrawing cash on credit cards by hitting them with rip-off fees. Official figures show that borrowers are using credit cards to take out as much as £12 million a day from ATMs. Customers often have to use these to withdraw cash because they have left their debit card at home, had it stolen or cancelled due to fraud.

Savings firms must now show account details in a summary box. But while rates for new savers are shown prominently, the shoddy returns on older accounts are much less obvious.

In August the Bank slashed rates - for the first time in seven years - to a record low of 0.25 per cent following the EU referendum.

Land Registry service helps prevent property fraud by sending email alerts

Over 50,000 homeowners have signed up to receive fraud alerts in a bid to stop scammers stealing hundreds of thousands of pounds by taking bogus loans against their properties. The property alert service, offered free by the Land Registry, helps people detect fraudulent activity on their property by sending them email alerts when, for example, a mortgage is taken out against it. They can then decide whether they think the activity is suspicious and can act quickly to alert the the Land Registry, their lender and the police. 

Brentwood in Essex saw average property prices increase by 16 per cent in a year, compared to an 11 per cent increase for properties in London, new research reveals.

HSBC has pulled its 0.99 per cent mortgage rate with immediate effect in the first sign that a period of record low mortgage rates may be about to end.

My mum is in a care home - can dad leave their house to us children instead?

My mother has recently moved out of her home where she lived with my father, which they jointly own, into a dementia care home permanently. My father still lives in the house. Their wills are arranged so that the house goes to the surviving partner when one of them dies and then is shared between the children when the remaining partner passes. As my mother will never be able to return home dad wants to change his will so that his half of the house goes directly to the children.

Savings firms must now show account details in a summary box. But while rates for new savers are shown prominently, the shoddy returns on older accounts are much less obvious.

Retro mobile sells for £1k on eBay while iPhones go for £500

Serious antique collectors are willing to pay around £800 to £1,000 for the most iconic mobile phones but you can still make money even if your phone isn't that old, or rare. The Nokia 3310 is selling for £10 - £55 while you could make £455 from re-selling your iPhone 6s.

Best selling cars in Europe from the Ford Fiesta to the Suzuki Vitara

The Ford Fiesta has been the best-selling car in the UK for some time, but data shows it's not loved at the same level anywhere else in the EU. Do you know what are the most popular cars in other countries? We reveal all, along with where the Fiesta sits in the sales charts.

Do you live in one of the coolest places in Britain? Areas in Bristol and London are

The list has been compiled by property website Zoopla and includes Bristol's Montpelier, Manchester's Chorlton and London's Dalston. Zoopla identified Dalston as the top hipster hotspot, with property prices having typically increased by nearly 60 per cent during the past five years.

It's been a year of political upheaval and for investors that has meant plenty to think about - but how worried should they be? We take a look on the latest Investing Show.

Charter Savings Bank has written to thousands of customers warning them their personal details could be at risk after computers were stolen from the bank's office in early October.

Worries over people running out of money in their retirement years and how public services will cope are weighing heavily on the perception that a longer life is a good thing, a survey said.

Why round £1 coins could become a future collectors' item: With the new 12-sided pound

In March, Britain will start to say a slow goodbye to the round £1 coin, as it is replaced with a 12-sided one - and full sets could soar in value in the coming years. They are currently selling for £79 on eBay - but are likely to head higher as the round coins disappear from circulation.

Renting your home our through Airbnb may be a quick way to make extra income but most home insurance policies won't give you cover. Now a new product has launched to fill the gap but is it any good?

After apologising in August and promising to fix the problem, Vodafone has still been unable to set up my direct debit payments properly after nine months of problems.

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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£1,000,000 277WB531615 Gloucestershire
£1,000,000 176XC192939 Essex
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