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Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,pound,note,notes,exchange,US,Euro,multi,withdrawal,card machine,dispenser,red,and,&,grey,multi-currency,in,Manchester,airport,travel,money,cashpoint,cash,machines,foreign,expensive,ripoff,credit,debit,cards,change,banking,banknote,British,for,Visa,Mastercard
Description: Tony Smith image Alamy 2PYKTF6 -
Description
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Description: Tony Smith image Alamy 2PHJ91W - Scots 'battle' to get cash after banks and ATMs shut
Scots are facing an uphill battle to access their cash after a large number of bank and cash machine closures, a consumer organisation has warned.
Research by Which? found 339 Scottish bank branches had closed their doors since 2015, while 290 ATMs had been withdrawn in the past year.
It urged the UK government to appoint a regulator to protect access to cash.
HM Treasury said it recognised the continued importance of cash, especially for more vulnerable people.
It added the existing payment systems regulator was closely monitoring developments within ATM provision.
Which? said the closure of cash machines, the majority of which were free to use, had hit Scotland harder than other parts of the UK because of its many rural communities, combined with an already devastated bank branch network.
In Scotland, withdrawals from machines were down just 3.3% in 2017-18, compared with larger drops of 8.5% and 7.7% in London and the south east of England respectively.
Description
Keywords: GoTonySmith,HotpixUK,Ringway,international,terminal,one,1,air,airport,Manchester international airport,North West England,UK,M90 1QX,M90,ATM,ATMs,exchange,Travelex,currency,bad,rate,rates,expensive,travel,money,foreign,service,services,forex,outlet,bank,shop,fee,fees,cost,costs,transaction,hack,hackers,Sodinokibi ransomware
Description: Tony Smith image Alamy 2NK27W5 - Travelex is a foreign exchange company founded by Lloyd Dorfman and headquartered in Peterborough. Its main businesses are foreign currency exchange, issuing prepaid credit cards for use by travellers, supplying central banks with foreign currency and global remittance. Travelex operates more than 1,100 stores and 900 ATMs in over 20 countries.
History
Travelex was founded as Express Exchange by Dorfman and opened its first branch in central London in 1976. By 1978 the company had four central London stores.
The company experienced growth in the 1980s, opening its first international store in 1984 in Rotterdam, and its first store at Heathrow Terminal 4 in 1986. Express Exchange subsequently became Travellers Exchange Corporation ? or Travelex ? when abbreviated
On 31 December 2019, Travelex took its UK and international websites and mobile apps offline following a reported cyber incident an action that also affected a number of large corporate third parties to whom Travelex provided a white-labelled travel money service including the online travel money services of supermarket chains such as ASDA, Tesco and Sainsbury's.
On 7 January 2020, it was claimed that the company was being held to ransom by hackers. The cyber criminals reportedly demanded ?4.6 million ($6 million) in ransom from Travelex after infecting its network with Sodinokibi ransomware, having claimed to have copied more than 5GB of customer personal data
Description
Keywords: GoTonySmith,HotpixUK,saving,savings,pound,pounds,cash,money,invested,into,investment,prepare,preparation,plan,sterling,risk,risks,Public Pensions Agency,private,regulator,stop,contributing,cut,back,SPPA,BOS,RBOS,of,bank,pensions,state,personal,coins,Clydesdale,notes,opt out,word,scam,scams,limits
Description: Tony Smith image Alamy 2NBWGKR -
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,UK,energy,supply,cost,costs,fuel,fossel,fuels,in,note,notes,pound,bank,money,cash,bill,bills,cooking,stove,Scottish,flaming,cook,Scots,householdrs,people,tenants,prepayment,meter,meters,poor,and,householders,Scotland,without,hot,food
Description: Tony Smith image Alamy 2MX9FPP - ENERGY ACTION SCOTLAND - article from https://www.heraldscotland.com/news/19043498.cooking-without-gas-helping-families-scotland/
Cooking Without Gas: helping families in Scotland
With Scottish Government estimates that fuel poverty has risen to a shocking 29% of households in Scotland due to Covid-19, Energy Action Scotland has galvanised the support of its members and the general public to help struggling families eat hot food this winter.
In a year like no other, families are facing a winter of hardship stuck in hard to heat homes struggling after job losses and months of reduced working hours. A catastrophic increase in the number of people struggling to afford their energy needs will have a grievous effect on the health and wellbeing for hundreds of thousands of people this year.
Energy Action Scotland launched a successful crowdfunder to pay for pressure cookers and partnered up with Gary Maclean, National Chef of Scotland and Masterchef The Professionals Champion, to help families cook hot food at a time when so many services and amenities are closed.
Supported by Warmworks Scotland and A.C.Whyte, Energy Action Scotland and Gary Maclean are launching freely available ?how to' videos that will help struggling families reduce energy bills by cooking in a pressure cooker funded by our JustGiving appeal.
Gary Maclean is a multi-award-winning chef who has run the kitchens at Glasgow's Gallery of Modern Art and the Burrell Collection and has held executive chef positions at two of Scotland's biggest independent operators. Gary went on to win Masterchef The Professionals in 2016 and was then announced as Scotland's first ever National Chef in 2018.
As a Dad of five, Gary is a huge fan of pressure cookers which he uses daily as he works and feeds his family in Glasgow. He said,
When I am out doing demonstrations I tell people who love their slow cookers to do exactly what they do but in pressure cooker to get the best possible flavour
Description
Keywords: GoTonySmith,HotpixUK,England,UK,a,on,cooking,stove,kitchen,energy,poverty,inflation,costs,twenty,pound,BOE,Bank Of England,English,coins,coin,can,we,afford,to,cold,food,with,the,of,hot,meal,meals,not,using,money,Wales,english,welsh,electricity,and
Description: Tony Smith image Alamy 2MN7NHH - Sarah* is a single mother.
My child's got autism and it's hard saying to him that we haven't got the money ? I've never had to say that to him before. He likes his PlayStation and he hasn't been playing on it as much because he's worried he's using too much electricity.
We don't use the cooker or the toaster because they use too much energy. We mainly use the microwave. We're cutting down on washing and not washing as much as we used to. I'm permanently watching what I'm doing and what I'm using, which we never had to do before.
We aren't using the heating at all. It's all onesies and quilts. We just can't afford to have the heating on.
More context at https://www.nea.org.uk/lived-experiences-of-fuel-poverty/
Donate to this charity here - https://www.nea.org.uk/donate/
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Merseyside,England,UK,dusk,finance,money,bank,Metro,in,L1,L1 3EU,open,seven,7,days,all,week,retail,and,commercial,adverse sentiment,new,recent,Retail Money Market Ltd,Craig Donaldson,Dan Frumkin,Robert Sharpe,small,Silicon Valley,banks,smaller,vulnerable,British,banking,system
Description: Tony Smith image Alamy 2P4JT8N - Metro Bank plc is a retail and commercial bank operating in the United Kingdom, founded by Anthony Thomson and Vernon Hill in 2010. At its launch it was the first new high street bank to launch in the United Kingdom in over 150 years. It is listed on the London Stock Exchange.
After a period of rapid growth, Metro Bank hit difficulties in early 2019 when it announced it had insufficient capital to meet regulatory requirements, following the discovery of an error in the way it categorised its commercial loans for capital adequacy purposes. As a result, it had to raise an additional ?350m of capital. Concerns over the announcement and the bank's ability to raise the capital resulted in the bank's share price falling by 75% in less than four months, and large depositors withdrawing cash, because of adverse sentiment.
Metro Bank was granted its licence by the Financial Services Authority on 5 March 2010, the first high-street bank to be granted such a licence for over 150 years. It planned to open between 200 and 250 branches in Greater London within ten years of starting up. Its first branch opened on 29 July 2010 in Holborn, central London
Metro Bank increased its account holders by 50% in the first half of 2013 for a total of 200,000 customer accounts, including 15,000 business accounts. It was aiming to have 200 UK branches open by 2020.
In January 2019, Metro Bank admitted classifying a portfolio of commercial loans for capital purposes incorrectly, thereby failing to hold sufficient capital to meet regulatory requirements
the error applied to around 10% of its loan book. The miscalculation was identified through a review by the Prudential Regulation Authority (PRA) but Metro Bank erroneously gave the impression that the bank had identified the incorrect classification itself. To correct the error in the capital classification, Metro Bank announced a ?350m share issue and said it would reduce its growth plans.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Cheshire,England,UK,borrow,lend,money,cash,informal,informally,and,lending,from,friends,or,colleagues,not,a,loan,loaning,word,BOS,RBOS,Royal,Bank Of Scotland,plastic,20,?20,twenty,pound,pounds,on,number,of,Sterling,STG,STLG,owed
Description: Tony Smith image Alamy 2M90511 - An IOU (abbreviated from the phrase I owe you) is usually an informal document acknowledging debt. An IOU differs from a promissory note in that an IOU is not a negotiable instrument and does not specify repayment terms such as the time of repayment. IOUs usually specify the debtor, the amount owed, and sometimes the creditor. IOUs may be signed or carry distinguishing marks or designs to ensure authenticity. In some cases, IOUs may be redeemable for a specific product or service rather than a quantity of currency, constituting a form of scrip
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Scotland,UK,Edinburgh,EH1,banks,finance,sterling,The,Pound,currency,independence,money,referendum,cash,Scottish,city,centre,sign,old,history,historic,Banca na h-Alba,HBOS,Lloyds,TSB,established,merger,financial,sector,market,North Bank Street,issue,banknotes,notes,app,online,banking
Description: Tony Smith image Alamy 2KRXR73 - The Bank of Scotland plc (Scottish Gaelic: Banca na h-Alba) is a commercial and clearing bank based in Scotland and is part of the Lloyds Banking Group, following the Bank of Scotland's implosion in 2008. The bank was established by the Parliament of Scotland in 1695 to develop Scotland's trade with other countries, and aimed to create a stable banking system in the Kingdom of Scotland.
With a history dating to the end of the 17th century, it is the fifth-oldest extant bank in the United Kingdom (the Bank of England having been established one year earlier), and is the only commercial institution created by the Parliament of Scotland to remain in existence. It was one of the first banks in Europe to print its own banknotes, and it continues to print its own sterling banknotes under legal arrangements that allow Scottish banks to issue currency.
In June 2006, the HBOS Group Reorganisation Act 2006 was passed by the Parliament of the United Kingdom, allowing the bank's structure to be simplified. As a result, The Governor and Company of the Bank of Scotland became Bank of Scotland plc on 17 September 2007. Bank of Scotland has been a subsidiary of Lloyds Banking Group since 19 January 2009, when HBOS was acquired by Lloyds TSB
The Governor and Company of the Bank of Scotland was established by an Act of the Parliament of Scotland on 17 July 1695, the Act for erecting a Bank in Scotland, opening for business in February 1696. Although established soon after the Bank of England (1694), the Bank of Scotland was a very different institution. Whereas the Bank of England was established specifically to finance defence spending by the English government, the Bank of Scotland was established by the Scottish government to support Scottish business, and was prohibited from lending to the government without parliamentary approval
Lloyds Banking Group
Following the implosion of the Bank of Scotland in 2008, HBOS Group agreed to be taken over by Lloyds TSB Group
Description
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Description: Tony Smith image Alamy 2JPF7MB -
Description
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Description: Tony Smith image Alamy 2JKB6GE -
Description
Keywords: GotonySmith,HotpixUK,@HotpixUK,of,the,Thames,London,England,UK,finances,financial,money,investment,banks,insurance,company,companies,organisations,laundering,view,city of London,finance,bridge,skyscraper,Cheesegrater,122 Leadenhall Street,riverbank,Uk,centre,building,summer,capital,Londinium,Walkie Talkie,heart,boat,waterway
Description: Tony Smith image Alamy 2JKB6H9 -
Description
Keywords: GotonySmith,HotpixUK,@HotpixUK,of,the,Thames,London,England,UK,finances,financial,money,investment,banks,insurance,company,companies,organisations,laundering,view,city of London,finance,skyscraper,Cheesegrater,122 Leadenhall Street,riverbank,Uk,centre,building,summer,capital,Londinium,Walkie Talkie,heart,boat,waterway
Description: Tony Smith image Alamy 2JKB6HE -
Description
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Description: Tony Smith image Alamy 2JKBPJF -
Description
Keywords: HotpixUK,@HotpixUK,GoTonySmith,Warrington,town,centre,Cheshire,UK,England,retailing,stock,GoOutdoors,Go-Outdoors,WA1,Wilson Patten Street,WA1 1PS,JD,JD Sports Fashion plc,sales floor,retail,sports,outdoor,retailer,The ultimate gift card,gift card,schemes,Blacks,Scotts,Size?,millets,store gift card,expiry,problems,lost money,money tied up,in,bankrupt,redundancy,expiry date,important terms
Description: Tony Smith image Alamy 2E0F134 - JD Sports Fashion plc, more commonly known as JD Sports or JD, is a British sports-fashion retail company based in Bury, Greater Manchester, England with shops throughout the United Kingdom, Europe, the United States, Asia and Australia. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. It is a subsidiary of the Pentland Group.
In 2016 and again in 2019, JD Sports was profiled in British media amid allegations of mistreatment of its UK warehouse staff
letters JD in JD Sports stand for the initials of the founders of the company, John & David. In 1981, the company was established by John Wardle and David Makin, trading from a single shop in Bury, Greater Manchester. In 1983, the company opened a store in the Arndale Centre in Manchester.
In 2020, JD Sports was anticipated to appoint administrators for its nearly bankrupt Go Outdoors brand, placing additional high street workers at risk amid the Covid-19 pandemic.
On October 16, 2020 JD Sports opened a new flagship Store in Times Square New York. In December 2020, it was announced that the company had pulled out of talks aimed at rescuing department store chain Debenhams.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,money,Scottish,Scotish,notes,coin,change,HBOS,BOS,Banknote,note,bank note,pound,sterling,pounds,currency,increases,inflation,of,train travel,and season tickets,change from buying,Edinburgh,Markinch,Glasgow central,rail fares increase,rail fare increase,Scotrail season ticket,season ticket,routes,Scottish train routes,travel,BR,TOC,transport,Franchise Agreement,rail price increase,hotpix.org.uk
Description: Tony Smith image Alamy 2CW6M7D - The cost of most peak time train tickets in Scotland is set to increase by 1.6% from January next year.
The move would see the price of an Edinburgh to Glasgow season ticket go up ?67 to ?4,267.
However, Transport Scotland said it is in the process of considering the options regarding future fares and tickets in the wake of the coronavirus crisis.
This means next year's price increase could be paused.
Rail fares usually increase every January but the hike is linked to the previous July's Retail Prices Index (RPI) measure of inflation.
The Office for National Statistics has announced the RPI rate for July was 1.6%.
Rail fares to rise despite passenger slump
This means tickets, such as standard day return tickets in the Edinburgh commuter area or all fares in the Strathclyde area, would increase by 1.6% in January.
Off-peak regulated fares are capped at 1% below RPI so would go up by 0.6%.
There has been speculation that the UK's national and devolved governments could seek to delay the 2021 rise given the effects of coronavirus and record-low passenger numbers.
Passenger watchdog Transport Focus has called for a major shake-up of rail fares to encourage passengers back to the railways following the collapse in demand caused by the coronavirus pandemic.
Chief executive Anthony Smith said a system that fits the way we live and travel now is needed, including flexible season tickets, carnet-style tickets and better value for money fares across the board.
'Considering the options'
A Transport Scotland spokesman said it was considering the options for future fares and tickets as part of wider recovery work in the rail industry in the wake of the pandemic.
He added: The Scottish government is committed to ensuring that rail fares are affordable for passengers and taxpayers across Scotland.
We have taken action to keep fares down and ScotRail fare are still on average, 20% cheaper than those across the rest of the UK.
Description
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Description: Tony Smith image Alamy 2K43PAW -
Description
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Description: Tony Smith image Alamy RBF076 -
Description
Keywords: @HotpixUK,GoTonySmith,Doncaster,South Yorkshire,England,Donny,Doncaster Yorkshire,town,town centre,shop,shops,retail,Doncaster Town Centre,Danum,Roman Danum,DN1,DN1 Postcode,banking,retail banking,UK,DN1 1SJ,branch,bank,closure,programme,program,Colonel Edward Akroyd,National Australia Bank Group,Yorkshire and Clydesdale Banks,Virgin Money brand,Virgin Money,brand,small,vulnerable,British,Silicon Valley
Description: Tony Smith image Alamy P8KF01 - Yorkshire Bank is a bank operating in England as a trading division of Clydesdale Bank plc and is ultimately owned by CYBG plc. It mostly operates in the North of England, especially in Yorkshire. In 2006 underlying profit rose 16.7 per cent to ?454 million compared with a year earlier, while post-tax earnings climbed 12.8 per cent to ?229 million. Total income was up 8.7 per cent at ?1,193 million, while net interest income climbed 14.6 per cent to ?769 million
The bank was established on 1 May 1859 by Colonel Edward Akroyd of Halifax. Based in Leeds in the West Riding of Yorkshire it was known as the West Riding Penny Savings Bank. It had originally been planned as a provident society but the status of savings bank was eventually chosen.
In its centenary year of 1959, the bank's name changed to Yorkshire Bank Limited. During the 1970s the bank became one of the first to offer fee free banking whilst in credit, a move that took bigger rivals a decade to follow. In 1982, it adopted public limited company status.
During the Miners' Strike from 1984 to 1985, the bank offered miners who were mortgage holders a deferment, allowing them to postpone payments for the duration of the dispute. The strike took place in the bank's heartland and many miners were customers, having been encouraged by the National Coal Board to have their pay mandated to a bank account.
In 1990, the National Australia Bank Group acquired the bank from the consortium of owning banks which, after mergers and acquisitions, were the National Westminster Bank, (holders of 40%), Barclays Bank (32%), Lloyds Bank (20%), and Royal Bank of Scotland (8%). The price paid was ?1 billion and the bank joined National Australia Bank's other European businesses, Clydesdale Bank (Scotland) and Northern Bank (which operated in both jurisdictions in Ireland).
In May 2005, the National Australia Bank announced its intention to merge the Yorkshire Bank with the Clydesdale under one operating licence.
Description
Keywords: city,city centre,save,invest,investment,account,bank,building,society,building society,responsible,savers,etched,etched window,Scotland,UK,etched windows,bank window,Saving Bank,TSB,saving,etched bank window,Savings,APR,%,percentage,interest,low risk,deposit,deposits,pay,paying,interest,save money,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,lit,light,lighted,night,dusk,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ5TG - A savings bank is a financial institution whose primary purpose is accepting savings deposits and paying interest on those deposits.
They originated in Europe during the 18th century with the aim of providing access to savings products to all levels in the population. Often associated with social good these early banks were often designed to encourage low income people to save money and have access to banking services. They were set up by governments or by socially committed groups or organisations such as with credit unions. The structure and legislation took many different forms in different countries over the 20th century.
The advent of internet banking at the end of the 20th century saw a new phase in savings banks with the online savings bank that paid higher levels of interest in return for clients only having access over the web.
Description
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Description: Tony Smith image Alamy HEJ5WT -
Description
Keywords: City Centre,office,building,architecture,G1,30,St Vincent,Pl,place,Victorian,old,Bank,Chambers,chamber,PLC,headquarter,office,banking,money,licence,GoTonySmith,@HotpixUK,Tony,Smith,UK,GB,Great,Britain,United,Kingdom,Scots,Scottish,British,Scotland,Glasgow,Greater,problem,with,problem with,issue with,City,Centre,cities,Urban,Urbanist,town,infrastructure,transport,tour,tourism,tourists,urban,attraction,attractions,Buy Pictures of,Buy Images Of,Images of,Stock Images,Tony Smith,United Kingdom,Great Britain,Greater Glasgow,British Isles,Glasgow City Centre,City Centre
Description: Tony Smith image Alamy HEJ5Y2 -
Description
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Description: Tony Smith image Alamy F89PJ7 -
Description
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Description: Tony Smith image Alamy F89PJA -
Description
Keywords: RBOS,RBS,five,pound,Edinburgh,ltd,Limited,Banknote,reference,P325b,legal,tender,sterling,blue,fiver,firm,949096,promise,to,pay,bearer,on,demand,money,cash,paper,history,historic,antique,Royal,Bank,Of,Scotland,PLC,?1,note,1965,UK,banker,bankers,Royal Bank,Bank Of Scotland,GoTonySmith,amount,bill.bills,GB,UK,Great,British,Britain,United,Kingdom,business,capitalism,cash,commercial,currencies,currency,paper,pounds,quid,quids,save,saves,savings,scotch,scotland,scottish,sterling,supply,system,tender,Buy Pictures of,Buy Images Of,Scots Money,Scottish Money,Scotland Money,1 pound note,Pound Note,One Pound Note,Scotlands History,Scotlands History
Description: Tony Smith image Alamy F7DCWJ -
Description
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Description: Tony Smith image Alamy F7DCWK -
Description
Keywords: Note,Eire,republic,of,Sterling,legal tender,from the,bank,of,Ireland,region,regional,economy,economic,money,UK,United Kingdom,housekeeping,good,bad,currency,wealth,capital,worth,rich,wealthy,fund,funds,ready money,hard cash,ten,five,fiver,GoTonySmith,legal,tender,small,smallest,Europe,european,GB,EC,EU,EEC,hard,cash,ready,Derry,Londonderry,Sinn Fein,politics,political,twentypence,twenty,pence,banknote,billetes,bureau,business,buy,buying,caja,change,commerce,commercialism,capitalism,austerity,global,crash,global crash,cuenta,debt,dinero,dollar,enterprise,euro,exchange,export,exporting,global,globalization,historical,history,negocio,number,paper,paper money,folding,power,saving,spending,profit,prosperity,prosperous,queen,rate,spend,spending,system,trade,viajar,vintage,wealth,world,bailout,bail out,bail,out,six counties,6,six,county,counties,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy EWAR25 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR30 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR3P - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR4A - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR4M - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR53 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Keywords: Note,Eire,republic,of,Sterling,legal tender,from the,Bank Of Ireland,Belfast,bank,of,Ireland,region,regional,economy,economic,money,monetary,union,UK,United Kingdom,housekeeping,good,bad,currency,wealth,capital,worth,rich,wealthy,fund,funds,ready money,hard cash,ten,five,fiver,wallet,next,GoTonySmith,legal,tender,small,smallest,banks,Europe,european,GB,Great Britain,Great Britain,EC,EU,EEC,hard,cash,ready,Derry,Londonderry,DUP,Sinn Fein,politics,political,tenner,twentypence,twenty,pence,banknote,billetes,bureau,business,buy,buying,caja,change,commerce,commercialism,capitalism,austerity,global,crash,global crash,cuenta,debt,dinero,dollar,enterprise,euro,exchange,export,exporting,global,globalization,historical,history,monetary,negocio,number,paper,paper money,folding,power,saving,spending,profit,prosperity,prosperous,queen,rate,spend,spending,system,trade,viajar,vintage,wealth,world,bailout,bail out,bail,out,six counties,6,six,county,counties,to,a,next to a wallet,brown,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy EWAR56 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWAR5B - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWARHD - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Keywords: Note,Eire,republic,of,Sterling,legal tender,from the,bank,of,Ireland,region,regional,economy,economic,money,UK,United Kingdom,housekeeping,good,bad,currency,wealth,capital,worth,rich,wealthy,fund,funds,ready money,hard cash,ten,five,fiver,GoTonySmith,legal,tender,small,smallest,Europe,european,GB,EC,EU,EEC,hard,cash,ready,Derry,Londonderry,Sinn Fein,politics,political,twentypence,twenty,pence,banknote,billetes,bureau,business,buy,buying,caja,change,commerce,commercialism,capitalism,austerity,global,crash,global crash,cuenta,debt,dinero,dollar,enterprise,euro,exchange,export,exporting,global,globalization,historical,history,negocio,number,paper,paper money,folding,power,saving,spending,profit,prosperity,prosperous,queen,rate,spend,spending,system,trade,viajar,vintage,wealth,world,bailout,bail out,bail,out,six counties,6,six,county,counties,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy EWARHY - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Keywords: Note,Eire,republic,of,Sterling,legal tender,from the,bank,of,Ireland,region,regional,economy,economic,money,UK,United Kingdom,housekeeping,good,bad,currency,wealth,capital,worth,rich,wealthy,fund,funds,ready money,hard cash,ten,five,fiver,GoTonySmith,legal,tender,small,smallest,Europe,european,GB,EC,EU,EEC,hard,cash,ready,Derry,Londonderry,Sinn Fein,politics,political,twentypence,twenty,pence,banknote,billetes,bureau,business,buy,buying,caja,change,commerce,commercialism,capitalism,austerity,global,crash,global crash,cuenta,debt,dinero,dollar,enterprise,euro,exchange,export,exporting,global,globalization,historical,history,negocio,number,paper,paper money,folding,power,saving,spending,profit,prosperity,prosperous,queen,rate,spend,spending,system,trade,viajar,vintage,wealth,world,bailout,bail out,bail,out,six counties,6,six,county,counties,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy EWARJ8 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Keywords: Note,Eire,republic,of,Sterling,legal tender,from the,bank,of,Ireland,region,regional,economy,economic,money,UK,United Kingdom,housekeeping,good,bad,currency,wealth,capital,worth,rich,wealthy,fund,funds,ready money,hard cash,ten,five,fiver,GoTonySmith,legal,tender,small,smallest,Europe,european,GB,EC,EU,EEC,hard,cash,ready,Derry,Londonderry,Sinn Fein,politics,political,twentypence,twenty,pence,banknote,billetes,bureau,business,buy,buying,caja,change,commerce,commercialism,capitalism,austerity,global,crash,global crash,cuenta,debt,dinero,dollar,enterprise,euro,exchange,export,exporting,global,globalization,historical,history,negocio,number,paper,paper money,folding,power,saving,spending,profit,prosperity,prosperous,queen,rate,spend,spending,system,trade,viajar,vintage,wealth,world,bailout,bail out,bail,out,six counties,6,six,county,counties,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy EWARJG - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWARK1 - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy EWARKE - A collection of Northern Irish legal tender, notes and UK Sterling coins.
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Description: Tony Smith image Alamy DED4A4 -
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Description: Tony Smith image Alamy DED4B0 -
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Description: Tony Smith image Alamy DED4FB -
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Description: Tony Smith image Alamy DDXM6T - They are ubiquitous. Stroll down any High Street and you would be hard-pressed not to notice the dozens of nail salons which have opened in recent years.
The cheap and cheerful manicure has been the success story of the recession. The number of nail bars has increased by 20 per cent in the past year alone.
Earlier this year it was revealed that they are the fastest-growing business on the High Street, constituting 16 per cent of new outlets in the past three years. There are now 30,000 in the UK.
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Description: Tony Smith image Alamy DG3874 - The pawnbrokers' symbol is three spheres suspended from a bar. The three sphere symbol is attributed to the Medici family of Florence, Italy, owing to its symbolic meaning of Lombard.[12] This refers to the Italian province of Lombardy, where pawn shop banking originated under the name of Lombard banking. The three golden spheres were originally a symbol medieval Lombard merchants hung in front of their houses, and not the arms of the Medici family. It has been conjectured that the golden spheres were originally three flat yellow effigies of byzants, or gold coins, laid heraldically upon a sable field, but that they were converted into spheres to better attract attention.
Most European towns called the pawn shop the Lombard. The House of Lombard was a banking community in medieval London, England. According to legend, a Medici employed by Charlemagne slew a giant using three bags of rocks. The three-ball symbol became the family crest. Since the Medicis were so successful in the financial, banking, and moneylending industries, other families also adopted the symbol. Throughout the Middle Ages, coats of arms bore three balls, orbs, plates, discs, coins and more as symbols of monetary success. Pawnbrokers (and their detractors) joke that the three balls mean Two to one, you won't get your stuff back.
Saint Nicholas is the patron saint of pawnbrokers. The symbol has also been attributed to the story of Nicholas giving a poor man's three daughters each a bag of gold so they could get
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Description: Tony Smith image Alamy DECWAR -
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Description: Tony Smith image Alamy DECX4H -
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Description: Tony Smith image Alamy DG374N - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK ? not even in Scotland or Northern Ireland ? they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland ?1 note, which is the only ?1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007?2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
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Description: Tony Smith image Flickr 4925460775 - 'Not If You Were The Last Junkie On Earth - 'The Dandy Warhols' - Play this track here.
\u00bfWhats this iPod Shuffle set all about? Read about it here
I was a late convert to the Dandy's and their friends/enemies The BJM who I saw live recently.
The band's name is a pun on the name of American pop artist Andy Warhol and originate from Portland, Oregon in 1993. Influences include The Velvet Underground, the Beach Boys and The Rolling Stones.
The band first achieved success in the UK after the release of their second Album 'The Dandy Warhols Come Down' in 1997. The promotional video for this single 'Not If You Were The Last Junkie on Earth' was directed by celebrity fashion photographer David LaChapelle, and it earned them acclaim outside the US.
Along with The Brian Jonestown Massacre (BJM), The Dandy Warhols were the subjects of the 2004 documentary DiG! This film captured a love-hate relationship between both bands, highlighting the interaction of BJM frontman Anton Newcombe and Courtney Taylor. It was recorded over the course of seven years by Ondi Timoner, and won the Documentary Grand Jury Prize at the 2004 Sundance Film Festival.
To get a bit of background to both bands you could do worse than grab this DVD. tell 'em I sent you!
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The illegal drug trade is a global black market, competing with legal drug trade, dedicated to cultivation, manufacture, distribution and sale of those substances which are subject to drug prohibition laws. Most jurisdictions prohibit trade, except under license, of many types of drugs by drug prohibition laws.
A UN report said the global drug trade generated an estimated US$321.6 billion in 2003. With a world GDP of US$36 trillion in the same year, the illegal drug trade may be estimated as slightly less than 1% of total global commerce. Consumption of illegal drugs is widespread globally.
Cocaine (benzoylmethylecgonine) is a crystalline tropane alkaloid that is obtained from the leaves of the coca plant. The name comes from 'coca' in addition to the alkaloid suffix -ine, forming cocaine. It is a stimulant of the central nervous system, an appetite suppressant, and a topical anesthetic.
For over a thousand years South American indigenous peoples have chewed the leaves of Erythroxylon coca, a plant that contains vital nutrients as well as numerous alkaloids, including cocaine. The coca leaf was, and still is, chewed almost universally by some indigenous communities.
The remains of coca leaves have been found with ancient Peruvian mummies, and pottery from the time period depicts humans with bulged cheeks, indicating the presence of something on which they are chewing. There is also evidence that these cultures used a mixture of coca leaves and saliva as an anesthetic for the performance of trepanation.
When the Spanish arrived in South America, most at first ignored aboriginal claims that the leaf gave them strength and energy, and declared the practice of chewing it the work of the Devil. But after discovering that these claims were true, they legalized and taxed the leaf, taking 10% off the value of each crop.
In 1569, Nicol\u00e1s Monardes described the practice of the natives of chewing a mixture of tobacco and coca leaves to induce 'great contentment'.
Crack is a lower purity form of free-base cocaine and contains sodium bicarbonate as impurity. Freebase and crack are often administered by smoking. The origin of the name is from the crackling sound (hence the onomatopoeic \u201ccrack\u201d) produced when cocaine containing impurities are heated.
The trade north of drugs and south of cash and weapons continues in the Americas regardless of prohibition, cival and military enforcement. As I type this I am listening to the story of dead bodies found near San Fernando in Mexico,Tamaulipas state, the corpses are reportedly those of 58 men and 14 women. It appears to be among the biggest mass graves linked to drug cartel violence to be uncovered in Mexico.
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Description
Keywords: pounds,gotonysmith,queen,Elizabeth,of,England,bank,smile,note,money,notes,english,Britain,UK,Europe,close,up,mixture,black,economy,pay,paying,by,cash,?10,?20,used,ten,twenty,rolled,dosh,wonga,greenback,greenbacks,elastic,bands,rubber,gotonysmith,Buy Pictures of,Buy Images Of,dead,died
Description: Tony Smith image Alamy CF0NKW - Tuesdays takings, rolls of ten and twenty sterling pound notes with elastic bands.
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,pound,pounds,holding,UK,keyboard,keys,Scots,bank,dispensed,from,a,local,Automatic Teller,machine,Glasgow,Scotland,G3,network,banking,of,machines,BOS,RBOS,polymer,plastic,cash,point,cashpoint,finance,finances,money,withdraw,fiscal,union,independence
Description: Tony Smith image Alamy 2PHJ91T - Scotland sees steepest fall in cash machine withdrawals in 2021
Data from the UK's main cash machine network reveals that ATM transactions fell by up to 68% during the first national lockdown
The UK's main cash machine network LINK has published data showing that despite a 37% fall in ATM transactions in 2020, UK adults on average still withdrew more than ?1,500 each from cash machines.
Scotland saw the steepest fall, with adults withdrawing almost ?900 less than they did in 2019.
On average, UK adults visited ATMs 12 times less in 2020 than they did in 2019.
In recent years, as consumers use alternative payment methods such as contactless cards or online payments, ATM transactions have fallen on average around 10% year-on-year.
However, in April 2020, when the UK went into the first national lockdown, ATM transactions fell initially by up to 68%.
Despite subsequent lockdowns, on average more than ?1.6bn was still withdrawn for cash machines every week for the rest of 2020.
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Keywords: GotonySmith,HotpixUK,@HotpixUK,check,cheque,paying,in,slip,slips,historic,history,NatWest,banking history,1980,1990,1990s,1980s,coin,cash,England,English,bank,of,Droylsden,branch,stamped,paid,UK,United Kingdom,money,note,notes,old,fashioned,old-fashioned,pay,bills,coins
Description: Tony Smith image Alamy 2JJX0FE -
Description
Keywords: GoTonySmith,@HotpixUK,HotpixUK,Isaac Newton quote coin,British currency close up,pound sterling coins,UK money macro,coin edge lettering,Royal Mint ?2 coin,money,finance,economy,currency,savings,wealth,value,inflation,cost of living,British economy,financial concepts,investment,taxation,public finance,macro photography,editorial finance,economic commentary,material culture,urrency,England money,legal tender UK,coin stack,macro coin photography,engraved lettering,milled coin edge,metallic texture,gold coloured coin,banknote background,British banknotes,money close up,savings concept
Description: Tony Smith image Alamy D8HDNX - A macro close-up image of four British two pound coins stacked neatly to reveal the engraved edge lettering reading Standing on the shoulders of giants. The inscription, taken from a phrase attributed to Sir Isaac Newton, is a defining feature of the UK ?2 coin and is clearly legible along the milled edges. The coins rest on British banknotes, adding contextual depth and reinforcing the theme of national currency and financial value.
The warm metallic tones of the coins contrast with the softer, patterned background of the banknote, while the shallow depth of field draws attention to the precise lettering, surface wear and texture of the metal. Minor abrasions and patina visible on the coins suggest circulation and everyday use, grounding the image firmly in real economic life rather than a pristine studio abstraction.
The phrase Standing on the shoulders of giants reflects themes of accumulated knowledge, progress and inheritance, making the ?2 coin distinctive among circulating currency. In a contemporary context, the inscription often resonates beyond its scientific origins, appearing in discussions about economics, public spending, innovation and the idea that modern society is built upon earlier generations. The stacked arrangement subtly reinforces notions of accumulation, layering and value over time.
This image conveys strong conceptual flexibility and is well suited for editorial use covering finance, economics, cost of living, savings, taxation and the British economy. It is also suitable for commercial applications requiring symbolic imagery of money, value, investment and financial heritage, as well as educational and publishing contexts where readable currency detail and macro clarity are essential.
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Keywords: GoTonySmith,@HotpixUK,HotpixUK,Premium Bond prize cheque,UK government savings,British savings scheme,government backed savings,British banking,financial reward,UK finance,money,finance,savings,personal finance,investment,household economics,income,cost of living,financial security,government finance,trust,financial planning,economic life,everyday money,banking cheque,hand holding cheque,savings income,investment return,public savings scheme,retail finance,secure savings,Treasury backed,financial document,paper cheque,money concept,household finance,Premium Bonds prize cheque,interest,investments
Description: Tony Smith image Alamy CFE7J2 - A close-up image of an NS&I Premium Bonds prize cheque issued by National Savings and Investments in the United Kingdom, shown being held in a person's hand. The cheque is clearly identifiable as a Premium Bonds payment, a distinctive feature of the long-running government-backed savings scheme that replaces traditional interest with monthly prize draws. The visible layout, security features and printed details reinforce the official nature of the document and its role within the UK's personal finance landscape.
Premium Bonds are one of the most widely held savings products in Britain, offering capital security backed by HM Treasury while providing the chance to win tax-free prizes rather than guaranteed interest. The act of holding a physical cheque evokes a tangible moment of reward and reassurance, linking abstract savings decisions to real-world financial outcomes. Although digital banking now dominates most transactions, the paper cheque format retains strong symbolic value in representations of winnings, payments and financial success.
The image conveys themes of trust, security and everyday finance, reflecting how ordinary households interact with state-backed savings institutions. It also highlights the accessibility of Premium Bonds as a savings vehicle, often associated with cautious investment strategies, long-term saving and intergenerational financial habits. The close framing focuses attention on the cheque itself rather than the individual, keeping the emphasis on the financial instrument and institution.
This photograph is well suited for editorial use covering personal finance, savings, UK banking, government-backed financial products, cost-of-living discussions and household economics. It is also appropriate for commercial editorial contexts relating to financial services, money management, consumer finance education and representations of savings outcomes in the UK.
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Keywords: GoTonySmith,HotpixUK,@HotpixUK,money,cash,notes,coin,change,HBOS,note,bank note,pound,sterling,pounds,Scottish Sterling currency,Scottish Sterling,currency,pound coins,PLC,ten Pound note,ten Pound notes,tenner,plastic notes,plastic,of,10,coins,finance,poverty,household,budget,budgets,?,?10,Scot,Scots,British,squeeze
Description: Tony Smith image Alamy 2CW6M7F -
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Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,20,pound,pounds,holding,UK,keyboard,keys,English,BoE,Bank of England,NE1,local,bank,Automatic Teller,dispensed,from,a,machine,network,banking,of,machines,cash,point,cashpoint,finance,finances,money,withdrawing,withdraw,free withdrawals,fresh,10
Description: Tony Smith image Alamy 2PHJ91P - Amount withdrawn from cash machines fell EVEN further last year and expert says usage will never return to pre-pandemic levels
Number of cash withdrawals fell 6% last year after 40% collapse in 2020
The average Briton withdrew a third less cash last year than they did in 2019
One expert says number of withdrawals won't return to pre-covid levels
People continued to use less cash last year with new figures showing the number of withdrawals from ATMs fell 6 per cent annually.
A total of ?79billion was withdrawn from cash machines in 2021 compared to ?81billion in 2020, according to data by Link, the UK's main cash machine network.
There was also a 7 per cent decline in cash machine transactions last year, which includes withdrawals and balance enquiries, falling from just over 1.6billion to 1.5billion.
This means the average withdrawal per person in the UK was ?1,462 last year, visiting an ATM around 18 times.
In 2019, prior to the pandemic, the average withdrawal per person in the UK was ?2,193 meaning the typical person is withdrawing two thirds of what they were before Covid-19, when the advice was to not use cash but contactless debit and credit card payments instead
Description
Keywords: GotonySmith,HotpixUK,@HotpixUK,check,cheque,paying,in,slip,slips,historic,history,NatWest,banking history,1980,1990,1990s,1980s,money,note,notes,cash,Droylsden,branch,stamped,paid,UK,United Kingdom,bank,of,old,fashioned,old-fashioned,pay,bills,coin,coins,hotpix.org.uk
Description: Tony Smith image Alamy 2JJX0FH -
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Keywords: GoTonySmith,@HotpixUK,HotpixUK,NOHO NYC,NYC,New York City,St Marks Place,St Marks Place NYC,street,New York Street,USA,America,City Centre,city,centre,center,city center,East Village,Eastvillage,Cash Machine,AutoTeller,street cash machine,Manhattan,New York,NY,Harlem,cash,neighborhood,graffiti,art,attraction,tourist,tourism,streets,24 hrs,24 hours,on,rough,money,bank card
Description: Tony Smith image Alamy RBF07B -
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Keywords: GoTonySmith,HotpixUK,@HotpixUK,money,cash,Scottish,Scotish,notes,coin,change,HBOS,BOS,Banknote,banknotes,bank note,pound,sterling,pounds,fiver,Clydesdale Bank,Clydesdale,coins,Scots,debt,loans,credit union,rising,bills,struggling,accepted,legal,currency,polymer note,plastic note,Clydesdale Bank 5 Pounds banknote,2015 series
Description: Tony Smith image Alamy 2CW6MAC -
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Keywords: Clydesdale,bank,ATM,cash,dispensing,machine,Scotland,UK,scottish,independance,independence,soveregn,nation,SNP,national,party,money,monetary,union,issues,problems,problem,finance,financial,vote,voting,20,10,ten,twenty,note,official,currency,gotonysmith legal tender retail,hand,finger,fingers,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy DG373Y - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK ? not even in Scotland or Northern Ireland ? they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland ?1 note, which is the only ?1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007?2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
