ALEX BRUMMER: Regulators lift their game as BT, Hargreaves and Unilever find themselves in the dock.Are YOU missing out on water bill social tariffs to save £151 a year? Two MILLION homes are eligible but don't apply.

Ditch the state pension ‘triple lock’ and replace it with new four-point ‘guarantee’, says IFS: How would it work, and is it a better deal?.Do you own one of Britain's most scrapped cars? Ten models that headed to the motoring graveyard most in 2023.Are car insurers pocketing £35-a-year savings from whiplash reforms rather than passing it on to drivers?.The Christmas present BMW fans have wanted for decades: Has the first M3 Touring estate with an £88k price tag been worth the wait?.Could a Santa Rally help the Footsie’s fortunes – and has it come early this year?.Have interest rates peaked - and what next for savers, borrowers and investors? LUNCH MONEY.Not all that glitters is gold: The investment case for silver, lithium and other precious metals.BofE holds interest rates at 5.25%: What it means for YOUR mortgages and savings - and when will rates fall?.SMALL CAPS MOVERS: Boohoo completes 'boardroom coup' of Revolution Beauty.Trainline shares steam ahead as Government scraps plans for 'Great British Railways' ticket app.Markets jump after US Fed signals end of rate hikes but Bailey warns Bank of England will not follow its lead.ALEX BRUMMER: Over-cautious groupthink at the Bank of England could drive Britain into a recession.Woodford victims say yes to £230m compensation scheme, despite warnings it doesn't offer a good deal.BUSINESS CLOSE: Heathrow eyes 81.4m in traffic for 2024 Ofgem to up price cap on bad debt concerns Naked Wines losses widen.Ofgem pressures energy firms to improve customer service levels with tough new rules.Freetrade launches Treasury bills offering a 5.2% yield to investors - how do they differ from bonds?.Fixed-rate mortgages could fall below 4% within weeks amid a home loan price war sparked by major lenders, experts say.I want to buy a piece of land to run a doggy daycare and help XL Bullies - will it work? BANK OF DAVE replies.What are the rarest circulating coins featuring Queen Elizabeth II? Royal Mint publishes a list - and some have a mintage as low as 63,000.Energy bills to rise by an extra £16 next April to cover unpaid customer debt - after going up by £94 in January.How fast will interest rates fall - and where will the new new normal be? This is Money podcast.House prices will continue to fall next year, both Halifax and Nationwide predict as higher mortgage rates leads to fewer sales.

Royal mint 2024 newcoins