The Government's flagship scheme to get more loans to businesses and households is yet to bear fruit.
Overall lending by the big banks has in fact slumped, according to the latest figures.
Despite the fact that they have been taking advantage of the cheap money on offer from the Bank of England.
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The prime minister told MPs she was hopeful 'sufficient progress' would be made to move talks on to trade by December.
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Iain Duncan Smith has called for the Universal Credit waiting time to be cut from six weeks to a month.