The Gambling Commission has imposed a financial penalty of £3.15 million on National Lottery operator Camelot for failures linked to its mobile app.
The fine will be paid to good causes.
The decision follows a Commission investigation into three failures which it said negatively impacted consumers.
The first failure related to the National Lottery mobile app informing up to 20,000 players that their winning draw-based ticket was a non-winner when they scanned the ticket with the device’s QR scanner between November 2016 to September 2020.
The second failure involved 22,210 players who purchased a single draw-based ticket through the app being charged for and receiving two tickets. All of those players have been identified and either refunded for the duplicated wager or where duplicate wagers were winners, these were honoured as such on a duplicate basis.
The third failure related to the app sending out marketing messages to app users who had either self-excluded through Gamstop or had been identified by Camelot as showing signs of gambling harm. While marketing messages were sent out, none of the 65,400 players were subsequently permitted by the app to purchase a National Lottery product.
"We are reassured that Camelot has taken steps to make sure that their National Lottery app is fit for purpose," Andrew Rhodes, Gambling Commission chief executive, said
"However we must caution Camelot that any failings on their duties will be met with consequences. [The] announcement reinforces that any operator failing to comply with their licence requirements will be investigated by the Commission and we will not hesitate to issue fines if requirements are breached."
New data published this week by LINK, the UK’s cash access and ATM network, showed that consumers withdrew £79.5 billion from cash machines in 2024, a 1.2 per cent reduction compared to 2023.
In total, adults over the age of 16 made 915 million cash withdrawals last year, 60 million (6.1%) fewer than in 2023. This equates to approximately 16 trips to the ATM per person, with an average withdrawal of £86 each time, totalling £1,424 over the year.
ATMs account for 93 per cent of all cash withdrawals in the UK, ahead of cashback and counter transactions at bank branches, post offices, and banking hubs.
Regional differences
Since the pandemic, with more people opting for contactless and digital payments, cash and ATM usage has declined significantly. However, cash remains popular, with regular LINK research showing around 75 per cent of adults using cash at least once a fortnight. While people are visiting ATMs less frequently, they are withdrawing more cash per visit.
The data reveals that every region and nation across the UK saw a fall in total cash withdrawals, with the largest declines in Scotland and London. Interestingly, the North-East of England and Wales experienced small increases in the total value of cash withdrawn.
Northern Ireland remains the most cash-heavy part of the UK, with banking customers withdrawing an average of £2,274 in 2024. The second and third most cash-heavy regions were Yorkshire and the Humber (£1,696) and the North-East (£1,682). Yorkshire was the only region where the average withdrawal increased, rising just over 2 per cent from £1,658. ATM usage was lowest in the South-West, where the average customer withdrew £1,030, closely followed by the South-East (£1,030).
ATM numbers
As cash use continues its long-term decline, the number of ATMs has also fallen. By the end of 2024, there were 5 per cent fewer cash machines compared to the end of 2023 (48,401 vs 46,182). Of these, 37,361 are free-to-use, down from 38,480, and 8,821 are charging ATMs, down from 9,921.
LINK noted that it has multiple financial inclusion programmes in place, as well as a statutory obligation, to ensure everyone has good free access to cash. An unchanged 9 in 10 people still live within 1km of a free cash access point, such as an ATM, post office, or banking hub.
In 2024, the Financial Conduct Authority (FCA) introduced new rules to protect access to cash across the UK. These rules include measures requiring LINK to independently assess the needs of a location following the closure of a bank branch. Communities can also request LINK to assess their high street if they believe it lacks appropriate cash services.
To date, LINK has recommended 184 banking hubs and over 100 deposit services to support cash in the community. These are being delivered by Cash Access UK, which opened the 100th banking hub in late 2024.
“Cash usage is falling in line with our own expectations as more people choose to shop online or pay with card. However, cash remains popular for many reasons,” Graham Mott, director of strategy at LINK, said.
“Our own research shows that millions still rely on it because they’re not confident, able, or can afford to use digital payments. For those on low budgets, there’s still no better alternative to managing your finances than using notes and coins. Notwithstanding, as we saw last year during the CrowdStrike IT issues, if and when systems go down, cash is quite often the only option.
“LINK’s job is to protect access to cash, which means that even as cash and ATM use falls, we will continue to ensure that every street is protected. We’re also pleased that we have recommended almost 200 banking hubs, allowing people and businesses that rely on cash to be able to readily access and deposit cash.”
Morrisons has announced its trading update for the fourth quarter (Q4) and full year 2023/24, showcasing a robust performance marked by significant operational and financial improvements.
The supermarket chain reported its strongest quarterly like-for-like (LFL) sales growth in nearly four years, alongside a notable increase in underlying EBITDA and total revenue.
For the 52 weeks ending 27 October 2024, Morrisons achieved a 4.1 per cent increase in Group LFL sales, with Q4 LFL sales rising by 4.9 per cent - the highest quarterly growth since early 2021. Underlying EBITDA surged by 11.2 per cent to £835 million, while total revenue climbed 3.8 per cent to £15.3 billion for the full year. Q4 revenue also saw a strong uptick, increasing by 4.8 per cent to £3.8 billion.
“This has been a year of urgent reinvigoration and positive progress for Morrisons. Customer transactions increased, market share grew from Q2, and we saw positive switching from our competitors,” Rami Baitiéh, chief executive, said, adding that improvements in availability, pricing, promotions, and the loyalty scheme have driven the financial performance.
The Morrisons More Card has been a standout success, with linked sales growing to 68 per cent at the year-end and reaching 76 per cent by the time of the update. “The More Card is firmly established as a customer favourite after a stunning year,” Baitiéh noted, with 3.5 million Morrisons Fivers redeemed during the two-week Christmas period.
Morrisons expanded its convenience store estate to over 1,600 stores and acquired 36 convenience stores in the Channel Islands in November 2024.
Two men have been arrested in connection with a series of armed robberies at convenience stores in mid-Ulster, which took place on Thursday (30).
The first incident occurred just before 7am at McCrystal’s Day-Today, a filling station on Ballinderry Bridge Road in Coagh. Two masked men, one wielding a handgun, entered the store and threatened staff, holding a weapon to one man's head before forcing him to open the till.
Shortly after, a second robbery took place at a supermarket on Shore Road in Ballyronan. Again, two armed men threatened staff at gunpoint, placing the firearm to the head of an employee before fleeing with cash and a quantity of cigarettes.
A third armed robbery was later reported at Lynch’s Spar on Moor Road in Clonoe, where the suspects again stole cash before making their escape.
Police Service of Northern Ireland informed, "Staff were threatened by two masked men - and were ordered to hand over a sum of cash.
“A blue Audi A6 – believed to have been used by the suspects, was stolen from outside an address in Portadown and later found on fire at Drumcree Community Centre.
“Tonight, Mid Ulster detectives conducted a number of searches at properties in the Churchill Park area of Portadown. Two men, aged in their 30s and 50s, were arrested on suspicion of a number of offences in connection with the investigation.
"An electronic device was also seized for forensic examination. “They have both been taken to police custody for questioning."
Meanwhile, the incident was slammed by a leading Northern Ireland retailers' body.
Commenting on the three-armed robberies of Retail NI members in Mid Ulster, Retail NI Chief Executive Glyn Roberts said, "“These robberies on our members are utterly disgraceful and if anyone in the local community has any information, please contact the PSNI”.
“We shouldn’t forget these are independent retailers that go above and beyond to serve their local community. Our thoughts are with the staff who have traumatised by these despicable attacks”.
“Retailers are sadly experiencing record levels of assault of shop staff, shoplifting and robberies. It is crucially important that the Department of Justice include the assault of shop staff in the forthcoming Sentencing Bill”.
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A general view of the Sevington Inland Border Facility sign on February 09, 2024 in Ashford, UK
The delayed third phase of Britain's post-Brexit border regime for imports from the European Union will begin on Friday - four years after Britain left the bloc's single market and nine years after it voted to leave the EU.
After Brexit, such was the scale of Britain's task to untangle supply chains and erect customs borders, that it only started imposing new rules last year.
The first phase of Britain's new border model requiring additional certification for some goods came into force at the end of January last year. A second phase followed at the end of April, introducing physical checks at ports for products such as meat, fish, cheese, eggs, dairy products and some cut flowers. New charges were also introduced.
From Friday, a third phase, delayed from Oct. 31 last year, will kick off, with businesses moving goods from the EU to Britain required to comply with new UK safety and security declaration requirements - detailed information about the products being shipped.
HM Revenue and Customs said mandatory collection of the data would enable "more intelligent risking of goods", with legitimate goods less likely to be held up at the border. It said this would mean less disruption to businesses whilst preventing illegal and dangerous goods entering the UK.
But it warned businesses that declarations must be submitted before goods arrived at the UK border to avoid them being held up for unnecessary checks and possible penalties.
While Britain's major retailers and large EU exporting businesses have the resources to handle the demands of the new border regime, smaller retailers and wholesalers have complained it is disproportionately burdensome.
Plans to extend physical checks to fruit and vegetables have been delayed several times and in September last year were pushed out again to July 1 this year.
Chancellor Rachel Reeves said on Sunday, she was "happy to look at" an idea, put forward last week by European Trade Commissioner Maros Sefcovic, that Britain could join a pan-European customs scheme. The scheme is not the same as the EU's full customs union, which the Labour government has said it will not rejoin.
Many people working in shops in Hartlepool Borough are "afraid to come to work" due to fear of violence and abuse linked to thefts, shows a recent survey of businesses.
The feedback forms part of a consultation on the experiences of business owners and retailer held by Hartlepool Borough Council. The survey was carried out from November to January, BBC reported citing the Local Democracy Reporting Service.
Respondents talked about a "fear of violence, verbal abuse and threatening behaviour", council officers said.
At an audit and governance committee meeting held recently, scrutiny and legal support officer Gemma Jones said some businesses reported their staff had "experienced actual violence".
Speaking about the criminals targeting shops and businesses, scrutiny manager Joan Stevens said, "The cohort of reoffenders is relatively small and they're responsible for a large amount of the retail crime or thefts that exist in the town."
She added that data indicated "over 50 per cent of theft appears to be driven by substance misuse issues", which was supported by findings from police interviews with offenders.
Meanwhile, the meeting was told "it didn't appear that the cost of living crisis was a significant impact" in driving retail crime.
The consultation was carried out as part of the committee's investigation into "ways of designing out and reducing incidents of retail crime".
It will culminate in a final report in March.Councillors also saw data from Cleveland Police which indicated that "70 per cent of thefts in Hartlepool are actually undertaken by 12 individuals".
The survey report comes a day after it was reported that theft and violence against retail workers in Britain soared to record levels last year and are "out of control", driven partly by criminal gangs.
Industry body the British Retail Consortium's (BRC) annual crime survey released on Thursday (30) found more than 20 million incidents of theft were committed in the year to 31 August 2024, which equates to 55,000 a day, costing retailers a total £2.2 billion.
The BRC said many more incidents in the latest period were linked to organised crime, with gangs systematically targeting stores across the country.
Incidents of violence and abuse in 2023/24 climbed to over 2,000 per day, up from 1,300 the year before. This is more than three times what it was in 2020, when there were just 455 incidents a day.
Incidents included racial or sexual abuse, physical assault or threats with weapons. There were 70 incidents per day which involved a weapon, more than double the previous year.