Pensioner Was Hit-And-Run Victim Say Police

An elderly man found fatally injured on a street was the victim of a hit-and-run driver, West Midlands Police say.

The 75-year-old man's injuries were so severe that police believe he must have been hit by a 4x4 or a van and left for dead.

He was found lying in Beakes Road, Smethwick, near Birmingham, at around 9.30pm on Saturday night and rushed to hospital where he was pronounced dead a few hours later.

Nobody has come forward to report a collision in the road that night.

Inspector Paul Bennett, from the Regional Collision Investigation Unit, said: "We have launched a major investigation to determine exactly what led to this elderly man's death.

"At this stage we believe he has been struck by a large vehicle, possibly a 4x4 car or a van.

"Whoever was driving must have known they had hit a person but rather than stop to help, they left him in the road to die.

"The vehicle itself would have sustained collision damage and I want to hear from anyone who may have information that could lead us to the vehicle and driver involved."

He appealed to garage mechanics who may be asked to fix damage on a car or van and also to members of the public for information.

Mr Bennett said: "Have you seen a car or van parked in your neighbourhood with serious damage that isn't usually there? If you have, call us on 101.

"Please come forward if you think you can help, no matter how insignificant the information you have may seem."

Anyone with information should call Inspector Bennett from the Regional Collision Investigation Unit on 101 or the independent charity Crimestoppers, anonymously, on 0800 555 111.

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Scottish Independence: £600 Better Off Claim

By James Matthews, Scotland Correspondent

Better childcare and education, a reformed, fairer tax system are being promised under an independent Scotland.

Laying out his blueprint for Scotland's future, the First Minister, Alex Salmond, also said that each Scot would be £600 better off.

It is a figure which sharply contrasts with a Treasury analysis, which claims independence would cost the average Scot £1,000 in tax.

But at the launch event in Glasgow, Mr Salmond has robustly argued that Scotland's public finances are "healthier than those of the UK as a whole".

Independence supporters say it will be fairer to 'divorce' the UK

As a result of this, the Scottish National Party (SNP) blueprint says: "There will be no requirement for an independent Scotland to raise the general rate of taxation to fund existing levels of spending."

In the 670-page document entitled Scotland's Future - Your Guide Mr Salmond has vowed to end controversial and unpopular welfare reforms introduced by Westminster, including the bedroom tax and the Universal Credit System.

He has also pledged an independent Scotland would provide free childcare for all pre-school children. It also promised a cap on payday lenders - one policy he has in common with the Chancellor George Osborne.

Scotland's Future pinpoints "three overriding reasons" for Scotland to leave the UK - it will create a more democratic, prosperous and fair state.

Speaking at the launch Mr Salmond said: "Our vision is of an independent Scotland regaining its place as an equal member of the family of nations. However, we do not seek independence as an end in itself, but rather as a means to changing Scotland for the better.

"We know we have the people, the skills and resources to make Scotland a more successful country. What we need now are the economic tools and powers to build a more competitive, dynamic economy and create more jobs.

"This guide contains policies which offer nothing less than a revolution in employment and social policy for Scotland, with a transformational change in childcare at the heart of those plans.

Pro-independence supporters march through Edinburgh in September

"Our proposals will make it far easier for parents to balance work and family life, and will allow many more people, especially women, to move into the workforce, fostering economic growth and helping to boost revenues - which will in itself help pay for the policy.

"With these policies, we can begin the job of undoing the damage caused by the vast social disparities which have seen the UK become one of the most unequal societies in the developed world."

The SNP also plans to keep the pound in a currency union with the Bank of England, although opponents claim there is no guarantee that the rest of the UK would find that acceptable. 

The paper states "the pound is Scotland's currency just as much as it is the rest of the UK's" saying that an independent Scotland would also make a "substantial contribution" to a "sterling zone".

It also states that  the membership of an independent Scotland in the European Union and Nato would continue, although critics point out that this cannot be guaranteed.

Under the proposals, if the people of Scotland vote for independence in a referendum then Scottish Independence Day would be March 24, 2016. 

The date will resonate with the Scottish people as on March 24, 1707, the Act of Union, which joined the parliaments of England and Scotland, was signed.

Former chancellor Alistair Darling told Sky News ahead of the launch: "We can have the best things about being a successful country and the best things about being part of something bigger.

"We simply don't have to choose between having a strong Scottish Parliament and the strength and security of being part of the United Kingdom. We can have both.

"We can be proudly Scottish and feel a sense of connection to friends and family in the rest of the United Kingdom.

"We can have a distinctive Scottish voice and we can keep the opportunities that come through sharing risks, rewards and resources with one of the biggest economies in the world."

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Indian Dentists Given Life For Murders

An Indian couple who are both dentists have been jailed for life for slitting the throats of their teenage daughter and a servant.

More follows...

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Payday Loans To Be Capped By Government

The cost of payday loans will be capped under new laws by early 2015, the Government has announced.

The industry has been criticised over the affordability of the loans and the way they are marketed, with critics claiming the firms take advantage of vulnerable people.

The Competition Commission is currently investigating the industry and an Office for Fair Trading (OFT) report in September said there were "deep-rooted" problems in the way the loan companies operate.

New financial regulator the Financial Conduct Authority (FCA) will now be forced by the Government to cap the loans.

The Government will amend the Banking Reform Bill currently going through Parliament to formally establish the cap.

The Labour leader has also heavily criticised the industry

The move comes after the Labour leader Ed Miliband spoke out over what he called the "Wonga economy".

Earlier this month he said payday loan companies were "running riot through our communities".

"They are responsible for a quiet crisis of thousands of families trapped in unpayable debt," said Mr Miliband.

Mr Miliband has also called for a ban on payday advertisements during children's television shows, accusing the companies of using "cartoon characters, trendy puppets or cute plasticine figures" to attract children.

George Osborne denied that the move marked a turnaround for the Government, which had initially resisted calls for a cap and denied that Labour had taken the lead on the issue.

The payday loan industry is worth £2bn

He said: "I don't accept it's a departury from any philosophy. The philosophy is we want markets that work for people, and people who believe in the free market, like myself, want that free market to be properly regulated."

He told the BBC Radio 4 Today programme: "The idea that we are following Labour - the Labour Party were in office for 13 years, Ed Balls and Ed Miliband. This issue came up, they were in the Treasury all those years, they did absolutely nothing.

"I am happy to pay tribute to some individual MPs like Stella Creasy, like Robin Walker the Conservative, who have campaigned on this issue.

"But the idea that the Labour leadership, who were running this country for 13 years and did nothing in this space, took a lead is, frankly, fanciful."

However, Ms Creasy said: "Just two months ago this Government criticised Ed Miliband for wanting to reform broken markets, and now today we see them following Labour's lead on the need to act against legal loan-sharking.

Critics claim affordability checks are not being properly carried out

"Whether in Parliament or out on Britain's streets in the Sharkstoppers campaign, we have been making the case that capping is a tried and tested method used in many other countries to tackle the problems caused by payday lenders. For too long David Cameron has ignored our pleas to act and it is cash strapped consumers caught in the spiral of debt these companies generate who have paid a heavy price as a result."

Business Minister Jo Swinson warned in September that interest rate caps to tackle payday lenders could mean people who could pay back loans found they could not get credit and turned to "unsavoury alternatives".

The Competition Commission investigation into the £2bn industry is due to reveal its findings next year.

It will be looking at claims that firms are emphasising the speed of the loan over cost and are "skimping" on affordability checks.

There have also been complaints of payday firms unexpectedly draining people's bank accounts through a type of recurring payment called a continuous payment authority.

Payday loan bosses defended their business in front of MPs

The Financial Conduct Authority, which will take over regulation of consumer credit from the Office of Fair Trading (OFT) in April 2014, was already considering new controls before today's announcement.

Among its proposals are unlimited fines, limiting to two the number of times a payday loan can be rolled-over and compulsory affordability checks for all applicants.

Bosses of three payday loan companies, Wonga, QuickQuid and Mr Lender, defended their industry when they appeared in front of MPs earlier in November.

Henry Raine, head of regulatory and public affairs at Wonga, told the Business, Innovation and Skills Select Committee: "Wonga's business is aiming to lend to people who can pay us back, that's how we make money.

"The vast majority of people pay us back on time. We freeze interest after 60 days and 25% of people pay us back early."

Mr Raine said around 3% of loans, equating to around 40,000 of Wonga's 1.25 million customers, go to the 60-day period.

He said Wonga's record compared favourably with the rest of the loan industry, including credit card companies and banks.

The company also made a film telling the stories of 12 of its customers.

Wonga's chief operating officer told Sky News the film was made because "the silent majority of people using our service was not being heard".

He added: "Generally you hear a lot of criticism about our service out in the media and actually the super positive stories that we see every day from our customer feedback are not being heard, so we wanted to redress that balance and allow their voice to come out."

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Dentists Slit Daughter And Servant's Throats

A wealthy dentist couple have been found guilty of murdering their teenage daughter and servant by slitting their throats.

Rajesh and Nupur Talwar burst into tears when the verdict was read out in a packed courtroom - in a case which has gripped India.

"We are deeply disappointed, hurt and anguished for being convicted for a crime that we have not committed. We refuse to feel defeated and will continue to fight for justice," the Talwars said in a written statement.

The couple face life in prison and possibly the death penalty when Judge Shyam Lal hands down his sentence on Tuesday.

They had been charged with killing 14-year-old Aarushi and Nepalese employee Hemraj, 45, at their home in a New Delhi suburb in 2008.

Investigators alleged Aarushi was murdered in a fit of rage when her parents found her with the servant in an "objectionable" situation.

The trial heard the affluent couple slit their victims' throats "with clinical precision".

Lawyer Manoj Kumar Rai, who was inside the court to hear the verdict, told reporters: "They have been found guilty of murder. They have been found guilty of the destruction of evidence."

Rajesh Talwar was attacked outside court in 2011

The defendants insisted they were victims of police incompetence and a media witch-hunt.

Rajesh Talwar recently told the AFP news agency: "We loved Aarushi, we have no lives without her. This has been a never-ending nightmare."

He was attacked in 2011 just outside the court building during the trial by a man with a meat cleaver, leaving his cheek and hand deeply scarred.

The prosecution had conceded there was no forensic or material evidence against the couple, and based its case on the "last-seen theory" - claiming the victims were last seen with the accused.

When Aarushi was found on her bed with her throat slit one morning in May 2008, police initially blamed the missing domestic servant Hemraj.

A day later, they discovered his decomposing body on the roof - his throat was also cut and he had a head wound.

Officers then arrested Rajesh Talwar's Nepalese dental assistant along with two other local servants - Hemraj's friends -- but they were all later released because of a lack of hard evidence.

The case was closed in 2010 by police, citing no substantial evidence, amid allegations of a botched probe with investigators failing to seal off the crime scene, allowing neighbours and relatives to walk over it.

The Talwars insisted they wanted the killers found and petitioned a court to re-open the case.

But they found themselves charged with murder, as media speculation about the successful couple intensified.

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RBS To Probe Claims It Drove Firms To Collapse

Royal Bank of Scotland has hired a law firm to investigate allegations the bank deliberately drove small businesses to collapse for its own gain.

The claims are contained in a dossier, compiled by government adviser Lawrence Tomlinson, which has now been passed to City regulators by Business Secretary Vince Cable, as Sky News revealed at the weekend.

The report suggests the lender drove firms to collapse to buy back their assets at rock-bottom prices.

Chancellor George Osborne has described the allegations as "shocking", but small business campaigners say anecdotal evidence suggests the practice was widespread.

A spokeswoman for RBS - 80% owned by the taxpayer - confirmed that it had now hired law firm Clifford Chance to look into the claims.

Mr Tomlinson, who has been compiling the report independently for the past six months, focuses allegations on the turnaround division at RBS - its Global Restructuring Group (GRG).

The division handles loans classed as being risky and is understood to have the power to scrap loan deals, impose inflated interest rates and charge hefty penalties.

But the report alleges that firms not necessarily in immediate financial distress are "engineered" into GRG, sometimes through small technical breaches of loan terms, such as late filing of minor financial information.

They are then hit with exorbitant rates and fees, which in some cases cause them to collapse, allowing RBS to buy their property and assets on the cheap for the benefit of its West Register property arm, according to Mr Tomlinson.

His report claims that fees charged by GRG can run into hundreds of thousands of pounds.

One business that submitted evidence to Mr Tomlinson said that it forked out £256,000 in fees alone while in GRG.

Another said that RBS made them pay an immediate sum of £40,000 to continue borrowing terms with the group.

Mr Tomlinson said he was calling for "immediate action to stop this unscrupulous treatment of businesses".

In response, RBS said it was "already committed" to an inquiry on how it treats small firms, following recommendations by Sir Andrew Large whose full report was released on Monday.

Sir Andrew,  the former deputy governor of the Bank of England, believed RBS failed to understand even the basic needs of its small business customers, Sky News has revealed.

An RBS spokesman also said that GRG's role was key to helping the bank face up to its commercial property "mistakes" made in the run-up to the financial crisis.

He said: "In the boom years leading up to the financial crisis, the over-heated property development market became a major threat to the UK economy.

"RBS did more than its fair share to fuel this and commercial property lending was one of the key drivers of our near collapse as valuations rapidly plummeted.

"GRG successfully turns around most of the businesses it works with, but in all cases is working with customers at a time of significant stress in their lives.

"Not all businesses that encounter serious financial trouble can be saved."

The report found a "disproportionately high" number of complaints against RBS, but also hinted at similar practices at other banks.

Fellow part-nationalised Lloyds Banking Group was also accused of concentrating on short-term gain at the expense of its business customers but the bank was angered by its inclusion in the dossier - suggesting there was no basis for such a claim.

Its statement said: "The specific practices discussed in the report are attributed to another bank and are not a reflection of Lloyds Banking Group's approach."

The report said Santander UK was among a few banks that were praised by small business customers for their treatment."

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London 'Slavery': Neighbours' Shock At Claims

People living near to a house where three women were allegedly held as slaves for more than three decades have spoken of their shock at the claims.

The women - a 69-year-old from Malaysia, a 57-year-old from Ireland and a 30-year-old Briton - were taken from the property in Brixton, south London, last month after calling a support charity asking for help.

Police said the women, two of whom who lived in a "collective" with a 67-year-old man they met through a "shared political ideology", had suffered "emotional and physical abuse".

The man and a woman, also 67, who came to the UK in the 1960s and are of Indian and Tanzanian origin, were arrested and released on bail.

Commander Steve Rodhouse, of the Metropolitan Police, said: "Somehow that collective came to an end and the women ended up continuing to live with the suspects.

"How this resulted in the women living in this way for over 30 years is what are seeking to establish, but we believe emotional and physical abuse has been a feature of all the victims' lives."

Kamal Francis described the women as having unkempt appearances

As police carried out door-to-door inquiries to establish more details about the alleged victims, neighbours described the area around the block in Peckford Place, where the women had been living, as a "quiet" area.

One woman, who gave her name only as Valerie, said: "Seeing all this going on is quite surprising to me. It's shocking really."

Abdul Rogers said many people did not speak to each other, adding: "I don't even know my next door neighbour. If I met them on the street now I would not be able to tell it was my next door neighbour, which is not good for community cohesion."

Kamal Francis is a regular visitor to the block of flats as his partner lives directly above where the women were held.

He told Sky News: "One would be wearing a long, baggy, cardigan and a long skirt touching the floor. They had messy hair. They were not neat people."

Investigators believe the youngest of the alleged victims may have spent her entire life as a domestic slave.

Cmdr Rodhouse said police had found her birth certificate but no further documentation.

The women lived in the Angell Town estate in Brixton

"We believe she has lived with the suspects and the other victims all her life, but of course at this early stage we are still seeking out evidence," she said.

The woman who called Freedom Charity asking for help said she had been held against her will for more than 30 years.

Aneeta Prem, who founded the organisation, said it had seen an "extraordinary" rise in calls to its helpline since the rescue of the three women came to light.

"These women have had traumatic and distributing experiences," she said.

"What needs to happen now is that the three victims, who have begun a long process of recovery, are able to go through their rehabilitation undisturbed, without being identified."

Officers said they were taking "every step" to protect the "emotionally fragile and highly vulnerable" victims.

Lambeth Council has told Sky News it is investigating whether it had ever come into contact with any of the women.

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Miliband Accuses PM Of 'Reaching A New Low'

Labour leader Ed Miliband has accused the Prime Minister of resorting to a strategy of mud-slinging in an effort to win the 2015 election.

He hit out at David Cameron for using the Paul Flowers scandal to attack his party's links to the co-operative movement.

Writing in the Independent on Sunday, Mr Miliband said Mr Cameron "hit a new low by trying to use the gross errors and misconduct of one man, Paul Flowers, to impugn the integrity of the entire Labour movement".

He said: "We all want proper answers as to what went on at the Co-operative Bank, and the public deserves better than the desperate attempts by the Tory party to score the cheapest political points, including ludicrous claims that Labour's historic links with the Co-op movement were the invention of Rev Flowers.

"Of course, the credibility of their smears was undermined when it emerged that the Chancellor himself was promoting the Co-op's bid to take over Lloyds Bank branches."

The Tories have attacked Labour's links with the Co-op Bank

The Tories have sought to highlight the close links between Labour and the Co-op, including "soft loans" at preferential rates and a £50,000 donation to Ed Balls' office from the Co-operative Group.

But Labour have used the row over the near collapse of the lender to put pressure on George Osborne over the Co-op's aborted bid for Lloyds branches.

Mr Miliband claimed the heated exchanges at Prime Minister's Questions over Labour and the Co-op, along with attacks over the trade unions and seeking to blame Andy Burnham for NHS failings, were part of a plan to fight the "dirtiest general election campaign" for 20 years, masterminded by Tory strategist Lynton Crosby.

"David Cameron cannot resist a low blow when the British public craves a politics on the high ground. His main political strategy is now to sling as much mud as possible in the hope that some of it sticks. When he does so, he demeans his office."

Mr Shapps accused Mr Miliband of 'evading serious issues'

Tory chairman Grant Shapps hit back at the Labour leader, highlighting the activities of Gordon Brown's former spin doctor Damian McBride.

"This is a pathetic attempt to evade the serious issues. Labour have big questions to answer, and when they are asked, they simply try to avoid them by claiming they are smears," he said.

"It is an obvious tactic from the party that brought you the most disgraceful smear operation of modern times, fronted by Damian McBride, and known about, encouraged and tolerated by Ed Balls and Ed Miliband.

"And McBride was simply the latest in a long line of bullying Labour spin doctors, including Alastair Campbell and Charlie Whelan. Incredibly, Labour's new campaign chief Michael Dugher used to be McBride's right-hand man - it's the same old Labour.

"We suggest they explain how the corruption at Falkirk happened, and how the Rev Flowers was allowed to become and remain an adviser, rather than dismiss legitimate questions as smears."

:: Mr Miliband has also been speaking about how his relationship with his brother David has not fully recovered, more than three years after they fought for leadership of Labour.

He told BBC Radio 4's Desert Island Discs the relationship was "healing" and that David was still his best friend.

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Iran Nuclear Deal Reached At Talks In Geneva

An agreement has been reached between Iran and six world powers to curb Tehran's nuclear programme in exchange for limited sanctions relief.

The deal, announced by European Union policy chief Catherine Ashton, is a first step towards resolving a decade-old stand-off between Tehran and the West.

The agreement between the Islamic state and the US, Britain, France, Germany, China and Russia was nailed down after more than four days of negotiations in Geneva.

US President Barack Obama said it was an important first step towards a comprehensive solution to Iran's nuclear programme.

William Hague hailed the agreement as 'very important and encouraging'

He said Iran could not use its next-generation centrifuges under the deal and the limitations under the agreement "cut off Iran's most likely paths to a bomb".

He added that if Iran did not meet its commitments during a six-month period, the US would turn off sanctions relief and "ratchet up the pressure".

Israel's Prime Minister Benjamin Netanyahu criticised the nuclear deal as an "historic mistake" and reserved his country's right to defend itself.

"Today the world became a much more dangerous place because the most dangerous regime in the world made a significant step in obtaining the most dangerous weapons in the world," he said.

US Secretary of State John Kerry and Iran's Mohammed Javad Zarif

Iranian President Hassan Rouhani said the agreement recognises Tehran's "rights" to maintain a nuclear programme, and it would "never" seek atomic weapons.

The country's Supreme Leader Ayatollah Ali Khamenei said: "This can be the basis for further intelligent actions. Without a doubt the grace of God and the prayers of the Iranian nation were a factor in this success."

Britain's Foreign Secretary William Hague said the agreement was "very important and encouraging", adding that it meant "the nuclear programme won't move forward for six months".

He and US Secretary of State John Kerry are due to have talks in London today on the Iran deal and the latest developments in Syria.

Speaking on Iran's Press TV, Iranian foreign minister Mohammad Javad Zarif said the deal was an opportunity for the West to restore trust with the Iranian nation.

He said Tehran would expand co-operation with the International Atomic Energy Agency, the UN nuclear watchdog, to address what he called some concerns.

Iran will get access to $4.2bn (£2.6bn) in foreign exchange as part of the accord, a Western diplomat said.

A senior US official added that the agreement halted progress on Iran's nuclear programme, including construction of the Arak research reactor.

It would neutralise Iran's stockpile of uranium refined to a fissile concentration of 20%, which is a close step away from the level needed for weapons, and calls for intrusive UN nuclear inspections.

European Union policy chief Baroness Catherine Ashton and Javad Zarif

Iran has also committed to stop uranium enrichment above a fissile purity of 5%, a US fact sheet said.

The deal has no recognition of an Iranian right to enrich uranium and sanctions would still be enforced, the US official added.

Refined uranium can be used to fuel nuclear power plants - Iran's stated goal - but also provide the fissile core of an atomic bomb if refined much further.

The deal has sparked fears in Israel, said Sky's Middle East Correspondent Sam Kiley.

"Israel's economy minister Naftali Bennett has said this deal could result in the use of suitcase nuclear devices five years down the line. It could be traced to this historic moment," he said.

"What they're really saying is that the international community, the world's diplomats, have been suckered by Iran in the same way that the international community was successfully suckered, let's face it, by the North Koreans who agreed to a similar deal to downscale their nuclear programme, and after a few months went by actually demonstrated that they had developed a nuclear weapon in secret.

"That is precisely what worries the Israelis."

Diplomacy was stepped up after the landslide election of Hassan Rouhani, a relative moderate, as Iranian president in June, replacing nationalist Mahmoud Ahmadinejad.

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Grieve Warns Of 'Ethnic Corruption' In UK

Politicians need to "wake up" to the problem of corruption in ethnic minority communities, the Government's senior law officer has warned.

Attorney General Dominic Grieve said he was referring "mainly to the Pakistani community" in his comments.

In an interview with the Daily Telegraph, the Tory MP pointed out that it could also be found in the "white Anglo-Saxon" community but he said it was a growing problem "because we have minority communities in this country which come from backgrounds where corruption is endemic".

"It is something as politicians we have to wake up to," he added.

The MP for Beaconsfield said: "I can see many of them have come because of the opportunities that they get. But they also come from societies where they have been brought up to believe you can only get certain things through a favour culture.

"One of the things you have to make absolutely clear is that that is not the case and it's not acceptable."

Asked if he was referring to the Pakistani community in his remarks, Mr Grieve told the newspaper: "Yes, it's mainly the Pakistani community, not the Indian community. I wouldn't draw it down to one. I'd be wary of saying it's just a Pakistani problem."

Baroness Warsi said electoral fraud also affects the Asian community

Mr Grieve highlighted electoral fraud as an area of concern, echoing comments made in 2010 by senior Tory Baroness Warsi.

Lady Warsi told the New Statesman magazine there were "at least three seats where we lost, where we didn't gain the seat, based on electoral fraud" and said the problems were "predominantly within the Asian community".

Mr Grieve also said that the UK's infrastructure could be put under strain if significant numbers of Bulgarians and Romanians come to the UK when controls expire in January.

He acknowledged that "the volume of immigrants may pose serious infrastructure issues".

Later in a statement, Mr Grieve said: "I am very clear that integration between ethnic communities in the UK has worked well and has delivered great benefits for all of us.

"This is a point I clearly made in my interview with the Telegraph, and I'm disappointed that this has not been reflected in their front page story.

"The point I was making is that, as a law officer, it's my duty to ensure the rule of law is upheld, and one of the issues that I feel requires close attention is any potential for a rise in corruption to undermine civil society.

"I believe this is an issue which needs to be addressed calmly and rationally.

"I am absolutely clear that this problem is not attributable to any one community, as I know very well from my many years promoting community cohesion."

Sky News political reporter Darren McCaffrey said Mr Grieve's comments are likely "to prove controversial".

"We have to remember he is an elected politician and he is also the Government's top lawyer, he is someone that we don't usually hear from a lot and this is why his intervention is unusual," he added.

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