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New calculations affect "all retirees."

Pensioner groups are to meet in London over later today to discuss fight the Government plans to change the way increases in pension are calculated.

Mike Duggan retired public service Alliance to evaluate what is the impact of change will have on the elderly.

Get in touch with today via email, Twitter, Facebook or text us on 84844.

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Public to help improve the banking sector

Help update, November 19, 2010, 10: 53 GMT

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Age UK warns housing benefit

18 November 2010 update at 09: 56 GMT age concerns UK benefit reforms will leave some retirees with less money for the heating of housing benefit reform could leave some elderly people on low incomes their State of health may be at risk, charity age UK warned.

Said up to 80 000 pensioners who rent private face to lose on average £ 12 per week in payments.

Age fears UK changes so the maximum payments are calculated let some with less money for food and heating.

But Grant Shapps Housing Minister rejected the allegations and older persons would be not worse.

Age UK says he is concerned people elderly people will be more difficult than others to move home or renegotiate their rent when reforms appear.

"Reckless".

Political Director Andrew Harrop said the BBC: "we know the Government estimates that are 80 000 seniors on all local housing allowance them lose out, losing an average £ 12 per week, some of them lose £ 30 per week."

"One of our concerns is the Government expects owners abandon their rent due to this policy and we know not if that happens."

National Association of the Landords said it was unrealistic to expect the owners reduce rents.

There is a very reasonable opportunity, the rents will be reduced, says Mr. Shapps

Director Richard Price said: "what will likely happen is that it will be an increasing number of owners who take HAL tenants at this time, simply do it in the future."

Housing benefit is paid to low-income people irrespective of the question of whether or not they work.

The coalition Government wants to introduce plugs ranging from £ 250 per week for those in a property of a Chamber £ 400 for those in a four bedroom property.

Mr. Shapps said there are three reasons why he believed that reforms would not be elderly people worse off the coast.

He said today the BBC Radio 4 program: "number one... There is a very reasonable that the owner can reduce chance much rentals."

Then, there is a large discretionary fund - 14 times its current - size help."

"And number three, even in a situation where a person leads on duty move... local housing allowance system means there's always up to one-third of the properties in your area that you can move."

The Department for work and pensions says it is committed to supporting the most vulnerable and provides for an increase in discretionary housing payments.

The Government says that spending on housing benefits are out of control, costs the Government around £ 21bn per year.

Work outlined reforms the as "reckless" coalition

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End of the long and winding road Beatles and iTunes

16 November 2010 update at 15: 26 GMT pattern of Apple Steve Jobs is known to be a fan Beatles The Beatles back catalog is finally available on iTunes, after years of negotiations.

This means that for the first time consumers will be able to buy the most popular songs of the Fab Four via the store.

Apple and EMI labels are in talks for years to get the online catalogue.

President and CEO of Apple and Steve Jobs Beatles fan said that he "was a long and winding road to get here.

"We love the Beatles and honoured and pleased to welcome to iTunes," he said.

Sir Paul McCartney has resumed his thoughts.

"It's great to see the songs that we originally released on vinyl receive as much love as they have done the first autour, digital world", he said.

Ringo Starr said: "I am particularly happy to do more to arise when the Beatles arrive to iTunes."

Trademark dispute

But not everyone was convinced that it was a big deal.

Wrote in his blog, Mark Mulligan, said Analyst research firm Forrester, is not that were looking for the younger generation of digital music lovers.

"The fact that the contents of a band securing enough old to be grandfathers most of young music fans is a sad reflection of the State of the digital music market", he said.

"The digital music market needs new products music, not past hits repackaged," he added.

Since music label the Beatles Apple Corps was involved in a bitter trademark dispute with Apple informatique.Enfin company, the dispute was resolved in 2007.

Earlier in the year, Sir Paul McCartney suggested that part of the delay in obtaining an agreement with Apple was IME.

Beatles USB

The Beatles catalog has been a notable absence of store iTunes despite the fact that members of the band solo works are on sale there.

There were incursions in the digital world for the band.

Last year, EMI released in limited in the form of Apple drives USB studio albums the Beatles in the form of digital files containing Edition.

And in September 2009, the Beatles: Rock Band video game has been released.

Even if group formed 50 years ago, they remain one of the top-selling bands in the world.

Nielsen SoundScan reported that they have sold over 30 million albums in the past decade.

EMI stated that worldwide sales of one billion albums the Beatles are the top-selling band in the history of music.

Agreement with Apple just EMI uncertainties.

Owner of the enterprise capital private equity firm Terra Firma Capital Partners, a million in debt to Citigroup, which helped to finance the purchase of the EMI in 2007.

Ben Rumley Enders Analysis says arrival Beatles is also important for EMI is for consumers.

"EMI will make a sum of money once more the Beatles for sale", he told BBC 6 Music.

"The Beatles were approximately 10% of their turnover in the United States last year, the digital exclusion, to have available online Beatles can clearly be a good chose.Ils are very good to operate.

The iTunes music store opened in 2003 and is now the largest music retailer in the world.

The Beatles albums are available for purchase and download for £ 10.99 each double albums for £ 17.99 and individual songs for 99 p.

A box containing all albums remastered 13 Studio is available for 125 £ it includes some Beatles first U.S. concert in its entirety.

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Warnings to online shopping

17 November 2010 update helps 06: 54 GMT

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New controls on estate agents begin

17 November 2010 update at 16: 44 GMT many estate agents are trustworthy, but anyone can start A business licence regime to protect buyers and sellers of non-qualified real estate agents has been launched by an agency of industry.

But he has failed to put an end of disagreement between the National Association of estate agents (NAEA) and the Government official regulations.

Anyone can configure business as a Realtor in the United Kingdom without qualifications or official controls.

The NAEA hope that the licensing scheme is a badge of honesty for agents.

"Nobody get knowingly in a taxi without licence.Cependant, thousands of people are willing to entrust to one of the most important transactions of life to people who are not qualified or experienced," said Peter Bolton King, Chief Executive of the NAEA.

"We would like all sellers and buyers to ask their potential agents if they have a u.s. license ' they do not, they should ask themselves if it is the best place to market their property."

Details

The NAEA, which represents approximately 10,000 people in the property industry, said that he was aware of the bad reputation of the estate agents.

Mr. Bolton King told the BBC that it was "crazy" that anyone could put in place in the enterprise.

The new scheme, which would be accessible to members of the NAEA provide licensed members who:

Hold a recognized qualificationAre covered by professional indemnity insuranceCan providing reports accounting when customer's money is heldTake 12 hours of training on the latest developments in the sector each year

As members of the industry, they must keep a code of conduct, which includes advice on such issues as marketing calls can be made to people's homes.

Those who break the rules may eventually end up in court, where fines can be seen up to a maximum of £ 5,000 for each rule that is violated.

They may also be lifted out of the system.

However, there appears to be that some accurate targets defined how the regime could be considered as a success or not, apart from membership of the NAEA and signs of greater consumer awareness of the licensing scheme.

Settlement of disputes

If customer real estate agents are satisfied with how the NAEA has handled a complaint, they can go to the independent ombudsman of the property.

Some consumers receive bad advice before obtaining the key

He has powers include price reaching £ 25,000 in compensation.

The licensing scheme is the last move in a disagreement as to the scope of the regulation of the industry.

The NAEA still calls for Government to legislate and establish formal regulation, as in the case of lawyers and other professionals in the industry for house purchase.

Housing Minister Grant Shapps, who was at the event at the House of Commons, said the internal licensing scheme is a symbolic moment.

"I've always said that you must have a go to disentangle yourself", said NAEA members.

But Michael Jones, President of the NAEA, said that the group will continue to call for a formal regulation.

In February, the Office of Fair Trading (OFT) has given health largely to estate agents after one year study on industry standards.

Consumer Association which? also agreed that industry self-regulation might be appropriate and work for buyers and sellers.

However, in a report published in June 2008, the former head of the OFT, Sir Bryan Carsberg, called for more regulation of the industry.

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"Bidding war" for houses for rent

20 November 2010 update at 00: 08 GMT by Nigel Cassidy Business correspondent, BBC News Moving house can be funny sometimes, but is often stressful people looking for houses for rent in many parts of the United Kingdom encounter a new obstacle in their hunt for a House.

Owners, or more often their rental agents increasingly require potential tenants to compete by "sealed bid" offers for the House they want.

Practice is relatively common in the market to buy houses, but it is considered a new development in the leasing sector.

Demand for rented property is on the rise during the drought of the mortgage.

Many families and individuals more found that they cannot afford or obtain mortgages, so they have to compete with them to obtain a lease.

"Chance".

Jacqueline Cooper and her fiance James Fleming are a young couple professional was confronted to the suddenly at a crossing of Taplow Berkshire when their owners decided to sell.

The couple as lucky account has only managed to rent a small terrace with a garden in Windsor nearby house.

Finally, they won the aftermath of losers on several occasions other home seekers, all hunt each property available in the region.

But to win, they first put an end to a deposit and to make a bid sealed and all against a time limit fixed by the rental agents.

Jacqueline Cooper and James Fleming said that they were losing out on properties

Jacqueline even had not had time to see the House before that they had to bid - it had to rely on the opinion of her fiancé.

It stressed that it was not only the price offered in the bid counted scellé.Le couple put in a bid to the asking price and have a small dog, they were told was sometimes preferred owners for a couple of young children.

"We had seen a few properties that we truly loved, but lost because that others were faster off the coast of the brand that we were", she says.

"If this time we simply agi.Je had not yet seen the property myself until we paid the deposit and put it in our bid pricing demandé.Rétrospectivement, I guess that it was a little risky - but we now have a House."

Competition

Agents say sealed bids may only be requested where there is intense competition to offer limited properties.

It is more likely to be in areas where the first time buyer or others cannot obtain mortgages and must keep rental .c ' is also a market rental price increase response.

London experienced higher rents rising, but other regions beyond pas.Plus one-third of surveyed by the National Association of owners said they were owners see rents higher in the country of Wales, Scotland and the North West of England.

Research should be published Monday by the site property RightMove Web should find that 55% of tenants have been "trapped" - Please leave the rented housing, but be unable to do so.

James Moss, Director of Curzon Investment Property, said that without access to funding, buyers could not buy houses.

"Combined with the increase in student fees and job losses in the public sector, and what we're left with is to be a nation of tenants as dream of buying House is eroding," he said.

Richard Davies, head of Chesterton Humberts rentals said that there is no mystery in sealed bid process.

"If we offer for a property, what we do is give a deadline for people to submit their best and finale.Toutes offers these offers go to the owner who decides that go with", he said.

"But even if your offer is rejected, don't be too discouraged, because sometimes the references of the winning bidder check out step, in which case you may be offered the property".

"Right".

Owners insist sealed bids are not a device to obtain tenants at gazump each other and to pay more.

Chris Norris, National Association (NLA) owners said they were mainly employed by management or letting agents and used to ensure that once an offer is accepted, it is final.

"Sealed bid is considered a fairer option, in a situation where a homeowner may agree that a lease in good faith to another would be tenant to come along to say they are willing to pay 20% more,", he said.

"Many owners could be tempted to make such an offer, but that is not just about anyone who thinks that found a place to live."

Jacqueline Cooper and her fiance James Fleming, happily unpacked groceries in their new house in Windsor, and books they admit that they have sympathy for the families with young children that they have seen at various screenings in the region – people frozen in the tendering process.

It seems that the current state of the market of housing, sealed bids is here to stay - as many potential tenants are with hunt a decrease in rental offers good homes.

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Advice are fine mounted parking

November 20, 2010 01: 12 GMT updated sentence outside London levels are defined by the Government Councils in England and Wales have been lobbying the Government for the right to increase the amount they can keep motorists in parking fines, the BBC has learned.

Local authorities want to bring their fines in London, which has a limit higher than £ 120.

Currently, the sanctions outside the capital have an upper limit of £ 70.

The British Parking Association also invokes an increase, say current levels are not enough of a deterrent effect.

While car parking fees are controlled by individual advice, outside of London the amount that they can charge penalties for drivers who violate the rules is set by the Government.

In cities outside London increased parking but static fines for close to a decade.

The British Parking Association argues that the difference between parking throughout the day and the burden of the penalty to pay expenses not he must increase so that there is a deterrent effect.

"Continue reading main history

motorists will be worried that it may be a hidden attempt to raise funds for them injustement.Ce is not the Department of transport objective"

end quote Norman Baker Transport Minister in Cambridge, for example, it may cost of the £ 23 a day at the Park - about the same as in London - but the fine standard for non-payment is £ 50, which is reduced by half if it is resolved quickly.

The Government did not say what advice have been in contact to exert pressure on the levels of fines.

It is said that he was ready to listen to it also includes concerns drivers may fear that they are an easy target for boards face cuts and looking for supplemental income.

The Minister of Transportation Norman Baker told the BBC: "I believe that the drivers will be worried that it may be an attempt to disguised to raise funds for them injustement.Ce isn't the Department intended to transport in a form any."

"What we watch very objectively and very fairly the evidence presented to us by advice on the one hand and the British Parking Association on the other hand"

Correspondent for the BBC Ben said Ando as local councils took parking controls the font, the number of parking fines has soared, in some cases increased by seven times the previous level.

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Regulator in the line of mortgage loans

4 November 2010 update at 16: 17 GMT consultation on the new rules ends this month Mortgage lenders have been the UK financial regulator to water down its plans to restrict mortgages.

Council of mortgage lenders (CML) says that the Financial Services Authority (FSA) plans are "imperfect and impractical."

But the FSA said he was simply trying to hunt irresponsible lending.

Told borrowers should be protected to mortgages, they do not have the means, that the presentations to be recovery of possession.

"Unintended negative results.

The line between the two organizations has been brewing since the fall of 2009, when the FSA originally proposed self-certified loans should be prohibited.

Since July of this year, the FSA has consulted on a wide range of plans, that the CMA is concerned will be seriously and unnecessarily, hinder any resumption of mortgage loans in the future.

The Director General Michael Coogan CMA said that he wanted the FSA to rewrite his draft rules.

Research commissioned by the CMA has shown "a broad range of evidence suggesting that there is a range of negative, unexpected implementation of policy outcomes and proposed rules currently drafted the FSA", he said.

The FSA has responded by accusing the mortgage industry in the past to be guilty of "major failures" including "risky loans" that had led to "unaffordable loans", especially in the years prior to the start of the 2007 credit crisis.

"No money left"

Among the FSA plans are that lenders should be to:

Continue to read the main story

it is imperative that ensure that lenders act in a responsible manner and do not return to irresponsible practices "

end quote Financial Services Authority check the income of all borrowersassess applicant's revenue and expenditure assess their ability to repay on a full basis capital - interest and assume loans are no more that 25 years limit size loans to people with problems of past payment and assumes that interest rates may increase their initial level CMA recently complained that these measures would have slashed past mortgages to many sound borrowers and lead to lower prices if implemented House in the future."

But the FSA said that many borrowers was only preserved flow ultra low interest rates.

He stressed that 350 000 borrowers are currently late and 54,000 houses were taken last year.

Although it was much better position than many commentators had planned, the FSA argued that things may take a turn for the worse.

"Almost half UK (46%) households had little or no money left after their mortgage and other bills were deducted from their income," says the FSA.

"Even a modest increase in interest rates could lead to a significant increase in the number of families with financial difficulties."

"This is why it is imperative that we provide to act responsibly and not refer to irresponsible, practices to protect consumers and take on mortgages that they cannot afford to lose their homes, lenders" added the FSA.

Uncertain

The CMA submitted that the Government seemed to know if yes or no he wanted to protect a vulnerable minority of borrowers or to help many others to achieve their goal of accession to the property.

It is said that the two could be achieved by a more free mortgage market and a safety net for distressed borrowers.

But the FSA replied that his plans amounted simply to tell the industry she should apply "sensible subscription" in the granting of loans, so that several lenders currently applied anyway during the current episode of mortgage rationing.

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Debt collectors censored by OFT

November 23, 2010 13: 54 GMT updated Aktiv Kapital said not to break the rules again once a large firm of debt collectors, Aktiv Kapital has been censured for having attempted to take action against people who have no money.

Office of Fair Trading (OFT) has said the company to stop chasing debts when he had been informed in writing that they continue the wrong person.

The OFT said that this kind of error is a pattern of complaints that it received to the debt collectors.

Aktiv Kapital has already taken steps to resolve the issue, said the OFT.

At Bromley, Aktiv is part of a group from all over Europe.

"Aktiv Kapital was hunt people for debts challenged without properly investigate the issues in dispute, in violation of debt collection guidance of the OFT," said the Governor.

"The survey also found that those being pursued unreasonably felt under pressure by Aktiv Kapital"

Bad details

The company was informed to obey rules and verify first if someone writes to pretend that they have not actually silver.

The OFT said the problem often stem from creditors from incomplete information or to another debt collector when the debt had been sold or the collection of money owed.

Aktiv Kapital already has measures to ensure that it does not pursue people more when their identities were wrong.

The OFT has added that the company will ensure not send letters or call which appear to be "" threatening or constitute unreasonable pressure.""

Regulatory body said that he wanted to ensure that problems do step re-occur, and that the company may be a fine could reach £ 50,000 for each violation of the rules or having his licence revoked.

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Unemployment UK sees slight decrease

17 November 2010 update at 14 h 10 GMT the number of people claiming jobseekers allowance has also decreased slightly the number of unemployed people in the United Kingdom dropped 9,000 within three months of September, leaving virtually unchanged total unemployment at 2.45 million.

The overall unemployment rate was also unchanged at 7.7%, said the Office for National Statistics (ONS).

Data show that the claimant - number of work and to receive benefits - also slightly decreased in October, 3 700 to 1.47 million.

Continue to read the main story

companies are reluctant to take on workers in full-time because of their concerns about the Economic Outlook in the long term "

end quote Howard Archer UK Chief Economist, IHS Global Insight this reverses 5,300 increased the number of month provider."

The picture remains one of a recovery job is much slower after previous recessions, say analysts.

Across the country that performance was mixed with the region of the Midlands, the South-East Scotland, Ireland North and Northwest see unemployment rise.

Part-time jobs

The British economy employment increased by 167,000 within three months of September, compared with the previous quarter, reaching 29.19 million, according to the statistical bulletin ons.

This suggests that while some unemployed people find jobs, total pool of unemployed is being replenished by inactive persons do not re-enter the labour market by actively seeking work once more.

However, most new jobs created were only part-time.

Continue to read the main Martin Shankleman corresponding employment, BBC News story

Today marks a dark milestone: unemployment among women passed one million for the times since 1988.

It is part of a disturbing trend known female unemployment to climb over the past two years 35% total 1.02 million today.

On the other hand among men, unemployment has declined this year, highlighting a gap between the sexes disturbing.

An explanation is that women wear much of reductions in public sector: they are strongly represented in the service of health, education and social work.

And with the Government, expenditure review set to bite, opportunities for female unemployment could soon get much worse.

"Part-time workers now boast 27.3% of the total employment is 25.4% in mid-2008," said Howard Archer, UK at IHS Global Insight Chief Economist.

"This suggests that companies are reluctant to take on workers with full-time because of their concerns about the Economic Outlook in the long term".

Gap between the sexes

Figures also show that the number of people unemployed for six months or more rose by 21 000 for the quarter to reach 1.18 million.

"Also significantly, job vacancies fell 27 000 within three months of October," said Mr. Archer. "The greatest fall was in education, suggesting that cuts in the public sector are already biting it.»

The number of unemployed women has increased from 31,000 in the quarter to 1.02 million - the highest level since 1988.

In contrast, the number of unemployed people fell 40 000 to 1.43 million.

In the meantime, the earnings picture continues to improve gradually.

Continue to read the main story is: Down 4 000 to 199, 000East Midlands: up to 12 000-182, 000London: Down 10 000 374 000North is: Down 4 000-116, 000North West: up to 1 000 278, 000Northern Ireland: up to 3 000 to 58, 000Scotland: up to 6 000 to 229, 000South is: up to 11 000 to 278 000South West: Down 17,000 148, 000Wales: 12 000-117, 000West Midlands Down: up to 13 000 to 233 000Yorks/Humber: 8000 to 236,000 Down

Source: ONS

Average salary in the three months of September increased by 2% on an an.Cela compares upward 1.7% previously for the three months of August, but remains below the prospects for the 3.2%.Uncertain consumption prices

The report contains a few surprises for city analysts who are more concerned by the prospect of jobs in the next 6 to 12 months as government spending cuts are starting to bite.

A month report predicts last by PwC of accountants who cut in public sector expenditure would be training approximately 500,000 job losses in private, 490 000 cuts foreseen by the coalition Government public sector employment.

"Recent data have been good and work today's figures are no exception, said James Knightley ing, who stressed that full employment is at its highest level since February 2009.

"[It] provides support to the view that public job losses may be more than offset by the increase in employment in the private sector."

But he warns that cuts in Government, the failure of the remuneration to monitor inflation 3% limit on bank loans and moves by households to repay their debts could combine to undermine the economy in the coming months.

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Revolution mobile wallet

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22 November 2010 Last updated at 08:55 GMT By Fiona Graham Technology of business reporter, BBC News Why has the developed world been so slow to adopt the mobile wallet?

Think of the developing world, and the first thing that springs to mind probably isn't cutting edge technology.

But since 2007, Kenya has been leading the way with an innovative mobile phone technology that has transformed the lives of millions of people and businesses.

Using M-Pesa has meant Masai herdsmen no longer need to carry cash back from market

Mobile money transfer allows those without a bank account to transfer funds as quickly and easily as sending a text message.

The most successful of these systems, and the first to operate on a large scale, is M-Pesa, a joint venture between mobile phone giant Vodafone and Kenya's Safaricom. The M stands for mobile, and Pesa is Swahili for money.

Over 50% of the adult population use the service to send money to far-flung relatives, to pay for shopping, utility bills, or even a night on the tiles and taxi ride home.

Try to do this in London, New York or Paris and you'll find yourself with a very upset cab driver.

Coca Cola experimented with vending machines that let you pay by text message in Finland as early as 1997, however until recently mobile payments were largely limited to the online environment in the developed world. And they would normally require either a credit card, bank or PayPal account.

So can the developing world teach us a thing or two about the mobile wallet?

"The bank in my phone"

To use the service, customers first register with Safaricom at an M-Pesa outlet, usually a shop, chemist or petrol station. They can then load money onto their phone. The money is sent onto a third party by text message. The recipient takes the phone to their nearest vendor, where they can pick up the cash.

For business, the technology has revolutionised cashflow.

John Makusi Simiyu's Nairobi shop is the same bright green as the product it sells. His staff at this M-Pesa outlet are busy helping customers send and receive money.

The businessman also owns a transport and real estate company. M-Pesa has fundamentally changed the way it works.

He pays his crews, and transfers money to customers using the service. When one of his lorries breaks down, he no longer needs to go to the bank, and then travel miles by bus to reach the stricken vehicle.

"Today I don't need to do that. Just call me, tell me your problem and how much you need and I will text it through M-Pesa system."

"I don't need to go the bank when I have the bank in my phone"

One of the other great benefits is increased security. Mr Makusi says he no longer has to worry about being mugged while carrying cash.

John Makusi Simiyu no longer has to travel miles to pay for lorry repairs

"The work is done. Security-wise your money is intact, and you have your spare parts."

The success of the technology lies in necessity, according to Seema Desai, director of the Mobile Money for the Unbanked (MMU) programme. In the developed world between 96-98% of people have bank accounts.

"In rural Kenya it is completely different. My bank is hours away and I don't have internet access. But I do have access to a mobile phone.

"Even if you could get to a bank branch you'd need to prove your address with a utility bill. To be very practical about this not everybody in developing markets will pay utility bills, they may not even have a permanent address."

The MMU estimates over 80 similar services globally, with more in the wings.

"It's not just for customers at the end of the chain. We've seen businesses adopt mobile money to offer various business to business services, for example suppliers collecting payments from distributors via the mobile channel."

Helping money move

Nick Hughes and Susie Lonie are the people responsible for M-Pesa. The service has been so successful they recently picked up an Economist Innovation award. Ms Lonie says it's been a big hit with small traders.

Susie Lonie and Nick Hughes: "The product in Kenya now is so different to what we launched with."

"They were very quick to pick it up. For example people with market stalls paying for the produce to be delivered by M-Pesa rather than carrying cash. Carrying cash in emerging markets is a very risky thing to do."

"What it's done is increased the ease at which money can move around, not just individual consumers but small and medium-sized enterprises as well." says Mr Hughes

One of the big problems in the milk industry in Kenya has been how to get payment to the thousands of small one or two-cow milk producers, many of whom are women. A group of them got together and decided to create a payment system using M-Pesa.

"It's a really great example of how people out there in the market place who are struggling to move cash around, are saying we can use this tool to help us smooth our own business challenges."

Although not the first mobile money transfer system in the world - Smart and Globe were active on a smaller scale in the Philippines in 2002 - it is arguably the most successful, with over 13m customers. In March 2010 28.59bn Kenyan Shillings (KES) (£220m, $351m) was transferred using the service.

Originally funded in parts by a grant from the UK government, it was supposed to be a microfinance loan repayment system.

"After running the pilot for about nine months we started to see customer behaviour that said actually, this is much more useful as a person to person money transfer system," says Mr Hughes

"At that point the lights went on and we realised where the scale opportunity was."

The service has also been launched in Tanzania, Afghanistan and now South Africa, with trials underway in India.

Mobile wallet

So where does this leave the developed world?

Change is happening, although the ways in which we use the mobile wallet in the developed world differ significantly from services like M-Pesa, according to Howard Wilcox of Juniper Research.

Boku's James Patmore: "The mobile phone is ubiquitous"

"In the developed world mobile payments are made using slightly different technology, so typically we're looking at mobile payments on the web, payments for goods and services onto your bill, or we're looking at premium rate SMS payment."

Mobile payment online is fairly well-established, but what has really pushed the technology mainstream is the success of smart phones.

"We've seen the launch of PayPal's app enabling you to send money from person to person.

"Those sorts of payments are going to be more social payments, sharing the cost of a meal for example, or paying someone a small amount of money you might owe them that by bumping your iPhones together.

One company that does let you pay with your mobile is Boku.

They provide the mechanism to allow, for example, people to buy virtual money to use in games on social networking sites like Facebook. European managing director James Patmore says they are looking to capitalise on how easy it is to use a mobile phone as a payment mechanism.

"All the consumer needs to have is a mobile phone with either a pre-paid account or post-paid account, and the ability to remember their telephone number."

Users don't have to be registered to use the service, which takes payment from either pay as you go credit or your carrier, with a limit on how much you can spend each day.

The company operates in 65 countries, with customers typically spending less than $10 (£6.30) per transaction.

Don't touch

Near field communication (NFC), a contactless payment technology, is also changing the way we pay for goods in shops. In Japan and South Korea it's been in use for several years, having developed from smart card technology.

Verizon Wireless, AT&T, and T-Mobile plan to roll out a mobile payment NFC system called Isis by 2012, and Google's Eric Schmidt says his company's new phone will include an NFC chip. Mobile banking company Monitise is working on a pilot.

Google CEO Eric Schmidt with the Gingerbread smartphone, which will have NFC technology

In the UK, Barclaycard, which already offers contactless payment by credit card are in partnership with Orange to do the same for phones.

Overall, it seems the mobile phone becoming ever-more central to our finances, according to Juniper Research's Howard Wilcox.

"We're forecasting that nearly half of all mobile phones users worldwide will use mobile payments by 2014. This could be paying for a digital good like a music track, or it could be physical good which we're seeing increasingly."

So will we see M-Pesa vendors appearing on street corners from Madrid to Montreal? Susie Lonie thinks not.

"We're often asked, would we launch M-Pesa in Europe, and the answer is no, there is not the market need for it."

Orange is the latest entrant to the Kenyan market, and Safaricom has launched M-Kesho, a savings account, in partnership with Equity Bank. A variety of mobile financial services are on offer, and you can even pick up your money from an ATM.

Ms Lonie says "I guess ideally what we're looking for is to take cash out of the economy and replace it with electronic money".

The mobile wallet is here to stay.

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Facing the debt for Christmas

22 November 2010 update at 17: 58 GMT credit card will be the most popular way of borrowing for Christmas over 7% of the adult will go red to pay for Christmas, with credit cards the most popular way of borrowing, a survey has found.

Four people out of 10 will already debt, mortgage loans and student when they begin their Christmas shopping loans were found.

Moneysupermarket.com has commissioned a survey of 2,700 adults to discover their debt levels.

The situation is more acute in the southeast of England, the survey said.

"We know times are tough," said head of loans, Moneysupermarket Tim Moss.

"Our research shows that more than 20 million consumers will visit the most financially stressful time of year already in debt."

Some 69% will be the cost of gifts and festivities on credit cards, 23% use a loan will be discovered, and 8%.

The pressure seems to be strongest in the southeast of England where one person in five free debt consumers are looking to go into the red for Christmas, the survey.

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Mortgage deregistered "mistakes"

November 15, 2010 11: 53 GMT updated both the Clydesdale and Yorkshire have agreed to cancel some customers of Clydesdale and Yorkshire banks clients charged too little their mortgage arrears have affirmed off the coast of requests for payment of arrears.

Customers took their complaints to the Financial Ombudsman Service (FOS), which has confirmed some of them.

The Yorkshire Bank said that "very few" customers complained successfully.

Borrowers have been informed in July, they were undercharged due to an error in the calculation of their monthly payments.

Both the Clydesdale and Yorkshire are owned by the National Bank of the Australia.

Interest rates have fallen over the past two years, the banks had improperly recalculated capital repayments that affected customers were supposed to do.

"The majority agreed it was a genuine mistake and their payments are changing to reflect that,", said a spokesman for Yorkshire Bank.

Extreme cases

Some of the customers who contacted the BBC in July said that banks should accept their mistakes and radiation arrears.

They argued that they were now asked to repay hundreds of pounds more per month for the other terms of their loans, to pay the arrears running in several thousands of books.

The Yorkshire Bank argued that it was of extreme cases.

"In the majority, it is a very small change in their repayment mortgage - half of people suffering from a deficit pay less £ 25 per additional month," said the spokesperson.

He explained that this figure, between 2 £ £ 3 was due to the last insufficient and the rest were implemented to make monthly payments to their correct level.

Success

The SSF publishes figures every six months on the number of complaints received for each financial institution.

They are distributed to the General topics such as banking, mortgages and insurance.

The SSF has refused to disclose complaints how he had received loans mortgage underfunding specifically, Yorkshire or Clydesdale, or what was the outcome of complaints.

However the Ombudsman recently explained that when a lender is entirely the fault it will be generally rule that arrears should be cancelled.

The Yorkshire Bank acknowledged that some customers had been successful.

"Some borrowers had complained to us and some went to the Ombudsman, said his spokesman."

He found in their favour in some cases and we are going with that.

"There are cases where the Ombudsman has found in favour of the decision we have made", he added.

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