Liberal Democrat peer Lord Oakshott has described Bank of England figures that show the number of loans being offered by banks have fallen, in spite of the Funding for Lending Scheme (FLS), as "disastrous".
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PM used a speech in Hamburg to say that the UK will not 'pull up the drawbridge and retreat from the world' but Europe must change.
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The Independent has announced it is to cease publication and go online only from the end of March.