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Last chance to get £310 for switching your current account

Last chance to get £310 for switching your current account

Daily Mail​2 days ago

This is the last chance for savvy bank switchers to get a £310 bonus for switching their current account.
TSB has announced its is ending its switching bonus on Monday 30 June at 23:59. Customers switching their current account to TSB before then can still grab the switching cash.
It's switching deal is available to new and existing customers and is worth up to £310.
New customers can bag up to £190 in cash if they switch their current account to a TSB Spend & Save or Spend & Save Plus current account, and bag a further £120 worth of rewards.
They will receive £100 for switching their bank account and can then earn £90 in cashback over the first six months of opening the account. They also get a choice of two rewards in January 2026, worth up to £120.
To get the switching cash, customers must switch to TSB through the Current Account Switch Service and the switch must be complete by 19 July 2025.
This can be done through the TSB Mobile Banking app, the TSB website or in branch.
Existing customers, for example those who hold a mortgage or credit card with TSB, can also get the switching cash if they open a new TSB current account and do a full switch.
TSB's Spend and Save account is free to open, while the Spend and Save Plus account comes with a £3 monthly fee.
What is in the small print?
There are several hoops to jump through to get the full switching bonus though, as TSB looks to retain customers who switch to it, rather than those who use it as a secondary account just to bag free cash.
To get the initial £100 switching cash, customers must use the TSB Mobile Banking app and make at least five payments using the TSB debit card on their account before 19 July 2025.
The £100 bonus will be then paid between 2 and 16 August 2025.
After this, new TSB customers will be able to earn cashback of £15 each month for six months if they make at least 20 debit card payments in the calendar month.
This means customers can earn a total of £90. Any cashback will be automatically paid in the next calendar month.
If customers make 20 debit card payments in December 2025 and meet the conditions for the £100 switching bonus, they can choose between two rewards options, but they will have to wait until January 2026.
Customers can then choose from a £120 voucher for a hotel of their choice either abroad in the UK when booking through Travel Credits, or 12 months of free activity tickets for attractions around the UK including theme parks, museums, mini golf, kayaking and escape rooms.
How does it stack up to other switching deals?
While its not the speediest payout on the market, TSB's switching deal offers the biggest earning potential of £190 in cash with a further £120 worth of rewards.
First Direct is offering £175 to switching customers with the cash promised within 45 days of the switch completing.
NatWest is offering up to £175 to those who switch to one of its current accounts.
Customers can get £125 in cash for switching and a further £50 if they open a NatWest regular savings account.
As with all switching deals, it is also important to consider whether the account is right for you.
This might mean researching any fees and charges, scrutinising the bank's customer service levels, and finding out if there is a branch in your area.

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EXCLUSIVE The unassuming terraced house next to an award-winning fish and chip shop is a BROTHEL - so what goes on behind closed doors, as one resident reveals: 'Punters can see into our kitchen'
EXCLUSIVE The unassuming terraced house next to an award-winning fish and chip shop is a BROTHEL - so what goes on behind closed doors, as one resident reveals: 'Punters can see into our kitchen'

Daily Mail​

time37 minutes ago

  • Daily Mail​

EXCLUSIVE The unassuming terraced house next to an award-winning fish and chip shop is a BROTHEL - so what goes on behind closed doors, as one resident reveals: 'Punters can see into our kitchen'

Nestled close to a popular ladies hairdresser and an award-winning chippie lies this unremarkable terraced house in a small town in Derbyshire. Every day, a regular trickle of locals file past it to walk the dog, buy chips or get their hair done, unaware of what goes on inside. Even residents who live directly opposite the anonymous house in the former coal mining town of Ilkeston seem to have no idea of why men - and it is always men - regularly turn up at the front door, often looking furtive or cagey. Perhaps the first clue as to what lies within comes from the front windows which, unusually, are tinted - and then there is the sign on the front door which instructs visitors to 'please use the other entrance at rear'. A quick walk around the corner, down a side road and a left turn into a tight alleyway brings them to an unlocked gate and on heading into the small patio yard, continue past a washing line hung with bed sheets and towels to another door where a second sign asks callers to 'knock loudly' on the back door. And what awaits the male visitors who make it to this point? Those entering this portal will be met by a glamorous-looking madam who will then show them to a waiting room where one or two 'masseuses' are on hand to provide discrete personal services. Welcome to Spangles - Ilkeston's secret brothel. Located on a side street just off the town's main drag, the business, which is branded as a massage parlour but has nothing in the way of signage, has been in operation there for at least the last seven-years since moving from nearby Nottingham. It opens seven days a week at 10am and closes by 6pm. This means it is competing for any passing lunchtime trade with Kerry's Fish and Chips, two doors down on the corner - which still proudly announces how it was voted best chippie in Ilkeston in 2011. The street around Spangles is a mixture of residential and business with an accountants office, Thai restaurant and Polish supermarket as well as a legitimate massage parlour. Staff at the Headrock ladies hairdressers and the Simply Beauty parlour immediately to the left of Spangles had no idea of what lurked on the other side of their walls until this week. One woman having her hair set said: 'I just thought it was a normal house.' Yet a cursory glance at Spangles' official website would leave them with no doubts about what actually happens within. 'Experience the luxury of our exquisite massage services provided by the finest masseuses in the industry' trumpets the Spangles homepage. 'With a perfect blend of elegance and style, our talented ladies are dedicated to delivering an exceptional no-rush service that guarantees you will leave with a smile. 'Each day, we feature two or more enticing masseuses, showcasing a diverse selection of beauty—from slim and leggy blondes to voluptuous brunettes. 'Whether you prefer curvy or slim, tall or petite, our team, aged from their early 20s to late 30s, is here to cater to your desires and provide a rejuvenating experience tailored just for you. 'Indulge yourself and let us take care of you!' The girls who have suitably exotic names like 'Tia', 'Isabella ' and Sienna' are pictured in various states of undress, some leave very little to the imagination while others are a little more demure, though all faces are either hidden or blurred. Spangles includes a schedule of which girls are available on which day. When MailOnline called this week, the two masseuses on duty were 39-year-old blonde Lisa, who is seen nude in her publicity photo but covers her modesty with a large coffee table book and brunette Heidi, 26 who poses topless in white and black lingerie. Both thankfully are 'fully qualified in Level 3 full body massage'. However when we called the mobile number given on the website we were told that Heidi had gone home for the day and only Lisa was available. A 15-minute 'quickie' was £60, we learned, while a half-hour session would cost £80 or £90 if the client wanted a room with an en-suite bathroom to wash up in afterwards. So is all this legal? Technically no. Under British law, a brothel is classed as any premise - be it flat, house or massage parlour - where more than one person sells sexual services. Although It is not illegal to sell sexual services or work in a brothel it is an offence to 'keep, manage, act or assist in the management of a brothel.' The sentence is a fine or seven years in prison. Assisting in the management of a brothel can include keeping books, paying bills, holding keys and handling and logging money coming in from clients. But in reality, these long-standing laws are rarely if ever enforced. This is because the latest guidance from the National Police Chiefs' Council states: 'Brothel closures and raids create a mistrust of all external agencies . . . it is difficult to rebuild trust and ultimately reduces the amount of intelligence submitted to the police and puts sex workers at greater risk.' But even if no one is going from Derbyshire police is going to be knocking on the shop door anytime soon - the stigma attached to the business, because of its nature, is obvious. A young mother who asked not to be named lives in a flat close by with her young son and said that over the course of the last two days some 20 or so men had visited the brothel. She said: 'You can tell them a mile-off. 'They do all they can to be inconspicuous. Some pretend to be on the phone and walk down the side street and pause by the alleyway. 'I see them looking around to see who is about and if anyone clocks them, they walk straight on and pretend they're going somewhere else but really they just go round the block and come back. When the coast is clear they'll go in. 'Some are in ten minutes, others come out half an hour so later. But when they emerge from the alleyway, their heads are down and they're in a rush to get away. 'I tease them sometimes and shout things like 'you dirty tramp!'. None ever look up, they're off like a shot. 'You get a mixture of blokes who go there. Some are in their 20s and 30s and others around 60. Some are good looking and well dressed and others are scruffy who look as though they've never known the sweet embrace of a woman. 'The brothel is hidden away down the bottom of the alley. People walk past that place and have no idea what's going on inside. 'I've known about it for about six or seven years - it's the only one I know of in Ilkeston. 'I think on average I must see about 10 punters visiting there a day - although I'm sure there's a lot more who go through the door. 'But I don't like it being so close to my home. I live here with my little son. I think it's appalling that such a place exists - I wish it would be shut down.' Apprentice electrician Alfie Perkins, 21, moved into a terraced house behind the brothel with his partner in February. They had no idea that sex workers were plying their trade there but Alfie said: 'We see men going in all the time. 'At first we thought it was a block of flats but the men sometimes wait in the yard for others to come out first. 'There's never any women. It makes perfect sense now that I know what that place is. 'My partner wants to get tinted windows at the back of the house because she doesn't like the fact the punters can see into our kitchen. 'To be fair, though, there's never been any trouble there whatsoever and there's not much noise from people coming or going from the premises. 'It's funny, someone told me the other day that there was a massage parlour around here…I didn't realise it was just behind us.' A trucker in his 50s who lives a few doors down from Alfie but who wished to remain anonymous said the brothel used ingenious ways to let punters know it was open for business. He told us: 'You wouldn't know it was even there, they're very, very discreet. 'There's no signage outside, no red-light or anything like that. What they do sometimes is one of the girls will drape fluorescent workmen trousers out of an upstairs window. It's a code that they're open and ready for business. 'I've walked past and seen the trousers myself several times. There's always a lot of activity at the back of my house with blokes heading in and out. 'There used to be music playing and in the summer with the windows open you'd hear it from the street. I think they got some complaints so they stopped. 'It doesn't really bother me too much that it's there. People using their services tend to keep a low profile… for obvious reasons.' Spangles has 56 reviews on Punternet - a US-based website dubbed the 'Blue Pages' or 'Thrustpilot' in which men compare experiences of various working women. The reviews - only a handful of which are less than positive - date all the way back to December 2006, when the business was based at a health spa and sauna above a parade of shops on the Derby Road near the centre of Nottingham, where it remained until 2018 before moving to Ilkeston. One punter - who calls himself 'andybaby' on Punternet - wrote: 'Spangles is great. Easy parking behind the shops where nobody can see you get out your car and enter. 'Nice shower and changing facilities. The rooms are basic with just a massage table but they are clean.' Another client -'hxxx' - who had half an hour with two of the girl - provided a fascinating insight into trip. He wrote: 'Spangles is a really friendly place. Everyone who works there is very welcoming and the receptionist is a star. 'The rooms are rather small (barely big enough for a massage table) and the piped radio is annoying (it was quite surreal to hear the traffic report during a live lesbian sex show) but I love this place all the same. It's safe and clean.' According to the Land Registry the house that Spangles is based in belongs to former electrical contractor turned property investor Martyn Kelk. Mr Kelk, 62, bought the property for £60,000 at auction in 2018. In 2017 his then company Premier Electrical Services - which he sold a year later - was the shirt sponsor for League Two football side Notts County. He lives in a sprawling farmhouse 20-miles from Ilkeston in the Nottinghamshire village of Owthorpe. Mr Kelk is currently in Greece on holiday but he told the Mail this week of his shock: 'I had no idea that the property was being used in such a way. 'The person who runs the business and who rents the property from me is listed on my accounts as a beauty therapist. 'Once a tenant signs the lease I don't tend to hear from them unless there's a problem. I haven't been to the site for years as it's nearly an hour away from my home. 'When I bought the property, it was in a dilapidated state and I spent a year renovating it. The person who runs the business has been a tenant for about six years, I don't have the paperwork with me so I can't tell you how long the lease has left to run. 'But do I need to kick them out? A good friend of mine is a police officer, I may have to ask him for advice.' A spokeswoman for Spangles insisted they were a legitimate massage business and strongly denied that their masseuses every carry out any sexual services. 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Michelin-starred Gordon Ramsay protégé to shut his first ever restaurant after 11 ‘incredible' years of trading
Michelin-starred Gordon Ramsay protégé to shut his first ever restaurant after 11 ‘incredible' years of trading

The Sun

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Michelin-starred Gordon Ramsay protégé to shut his first ever restaurant after 11 ‘incredible' years of trading

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EXCLUSIVE How many adults are on PIP in YOUR neighbourhood? Shock figures show up to a third of working age adults are claiming the disability benefit in parts of England
EXCLUSIVE How many adults are on PIP in YOUR neighbourhood? Shock figures show up to a third of working age adults are claiming the disability benefit in parts of England

Daily Mail​

time44 minutes ago

  • Daily Mail​

EXCLUSIVE How many adults are on PIP in YOUR neighbourhood? Shock figures show up to a third of working age adults are claiming the disability benefit in parts of England

Nearly a third of working-age adults currently get personal independence payments (PIP) in parts of England, analysis shows. MailOnline's audit of Government figures – presented in an interactive map below – names the PIP capital as a suburb of Plymouth. Neighbourhoods within Newcastle-upon-Tyne and Stockton-on-Tees have similarly high rates. Critics of Labour 's ballooning £143billion welfare bill said the figures should act as a 'wake up call' for the Government. The analysis comes after Keir Starmer completed a humiliating backtrack on his flagship welfare reforms package at the eleventh hour, following sustained pressure from over 120 MPs. The initial package of reforms was mooted to save around £5billion by the end of the Parliament and included a restriction on the eligibility for PIP. Existing claimants were to be given a 13-week phase-out period of financial support in an earlier move that was seen as a bid to head off opposition by aiming to soften the impact of the changes. It's understood now that around 370,000 existing PIP claimants will be able to keep their payments. But the change on Personal Independence Payment (Pip) is estimated to wipe up to £2billion off the £5billion savings by the end of the Parliament, and Universal Credit tweaks another £1billion. Chancellor Rachel Reeves is odds-on to hike taxes to pay for the financial shortfall, experts have said. If the legislation clears its first hurdle on Tuesday, it will then face a few hours' examination by all MPs the following week – rather than days or weeks in front of a committee tasked with looking at the Bill. Anyone with a long-term physical or mental health condition or disability that affects their day-to-day life can get PIP, including adults in full-time employment. Latest Department of Work and Pensions (DWP) statistics show 3.7million people in England, Wales and Northern Ireland currently receive it. This is up from around 2m before Covid struck. The number of young people aged 16-24 receiving PIP has also skyrocketed, as too have claims for anxiety and depression. PIP is split into two parts and claimants can be eligible for both. The daily living part goes to adults needing help with everyday tasks, whereas the mobility part is doled out to those who require assistance getting around. Whether they get one or both parts and how much they get depends on how difficult they find everyday tasks and getting around. Anyone nearing the end of life such as from a life-limiting illness will automatically get the daily living part – but the mobility part depends on their needs. Adults undergoing PIP assessments are scored on a scale of zero to 12 – based on how difficult they find everyday tasks such as preparing and eating food. Currently, someone who receives between eight and 11 points in total gets the daily living part of PIP at a standard rate, worth £73.90 per week. If they get at least 12 points, they get the daily living component at an enhanced rate, worth £110.40 a week. Under current rules, an applicant needs to be scored at least eight points in any combination to be awarded the lowest rate of PIP. If the package passes, they would need this to have scored four of these points in a single activity. MailOnline's analysis found the Victoria Park area of Plymouth to be the PIP capital. In that particular district, almost 32.5 per cent (1,336) of its 3,940 working-age adults receive the handout. Victoria Park was followed by Byker East in Newcastle-upon-Tyne (31.8 per cent) and the Central Stockton & Portrack region of Stockton-on-Tees (30.5 per cent). Our investigation revealed the rate stood above 20 per cent in 58 of 7,200 MSOAs – tiny communities across England home to around 5,000 people. All but four of these neighbourhoods were in the north. The DWP uses out-of-date 2011 boundaries for its benefits data, but the ONS uses 2021 boundaries for its population figures. To get correct figures for the current geographies, we have had to convert these to 2021 boundaries, which could lead to discrepancies in the calculations. John O'Connell, chief executive, at the TaxPayers' Alliance told MailOnline: 'These figures should be a wake up call for this government. 'When nearly one in three working-age adults in some areas are on disability benefits, its clear that something has gone badly wrong. 'PIP must be reformed to support those in genuine need, rather than becoming an easily accessible income stream.' Our investigation involved analysing DWP data on the number of working-age adults claiming benefits in all 7,200 MSOAs. We then compared these figures with the ONS's latest estimates of the working age (16 to 64) population in these areas, allowing us to calculate a percentage. Government data is still collected via 2011 boundaries set by the Census. MailOnline has converted it to the 2021 boundaries.

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