A major bank has recorded a 74% surge in the number of reports of vehicle scams in the first half of this year, with victims losing nearly £1,000 on average. The Ford Fiesta is the most commonly-reported model to feature in vehicle-related scams so far this year, according to Lloyds Bank. Bogus offers of BMWs and Audis also feature heavily among the fake ads, with motorbikes and classic cars also cropping up regularly, it added. There is also a thriving trade in fake ads for parts and accessories, such as alloy wheels, the bank said. According to the testimony of scam victims, vans are also often popular because people are seeking cheap models to be converted in campervans, Lloyds said. The findings were based on analysis of scams reported by Lloyds Banking Group customers during between January and June 2023. This was then compared with the same period in 2022 – and a 74% increase was found. Lloyds said victims are losing an average of £998, with people aged between 25 and 34 being the most likely age group to report being duped. Scams work by fraudsters creating fake posts on social media or online marketplaces to advertise vehicles that do not exist. They will include pictures of genuine cars or vans to convince the unsuspecting buyer that they are genuine. When a potential buyer responds, they will often be asked to make a deposit to “secure” the car, or even sometimes to pay the full amount, alongside excuses as to why the car cannot be physically viewed ahead of the payment being made. The fraudster will often apply pressure-selling tactics, telling the buyer the car is very popular, that they have several other offers, or that the payment must be made by a certain deadline, Lloyds said. Victims may be tricked into sending money via bank transfer. As soon as the payment is made, the buyer will be blocked and the seller’s profile will disappear. Occasionally, a fake address will be provided at which to collect the car, leaving buyers with a wasted trip alongside the financial loss. Ford Fiestas have been highly popular in the genuine sales market. Figures released by the Society of Motor Manufacturers and Traders (SMMT) in August indicated that the Ford Fiesta was the UK’s best-selling used car between April and June. The manufacturer recently ended production of the car at its factory in Cologne, Germany. If you do want to buy something you've found through social media, only transfer funds once the car is in your possession Liz Ziegler, Lloyds Bank Liz Ziegler, fraud prevention director at Lloyds Bank said: “Buying directly from approved dealers is the best way to guarantee you’re paying for a genuine vehicle, and always use your debit or credit card for maximum safety. “If you do want to buy something you’ve found through social media, only transfer funds once the car is in your possession.” Here are some tips from Lloyds Bank to avoid vehicle scams: 1. Fraudsters use social media to advertise vehicles that do not exist. Always do your own research and do not part with any money until you have viewed, and tested, the vehicle in person. 2. Check documents. Always ask to see the seller’s logbook, to verify that the seller is the legitimate owner. 3. The safest way to buy a new or used car is often from well-known, approved dealers. Organisations such as the AA offer specific guidance for buying cars unseen. 4. Low prices and pressure selling tactics are often used to target victims. Question if a deal looks “too good to be true” and compare prices from trusted sources. 5. Always use your debit or credit card when you shop online. This helps to protect your money should something go wrong. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Standard Life confirms plans for pensions dashboard BBC reviews Russell Brand’s time at corporation as YouTube demonetises content BBC removes some Russell Brand content as monetisation suspended on YouTube

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There’s no place like home. For most of the Formula 1 grid, a return to familiar comforts at a much-loved circuit is something to behold, thrive and revel in. In fact, it’s only the Haas pairing of Nico Hulkenberg and Kevin Magnussen and the Alfa Romeo team of Valtteri Bottas and Zhou Guanyu who have not basked in such an experience in 2023. But all eyes for Zhou – Formula 1’s first Chinese driver in its 73-year history – now point firmly towards 21 April 2024. The sport’s return to one of the world’s powerhouses has, four times, been put on hold due to the pandemic – both the world-altering event itself and the country’s controversial zero-covid policy in the aftermath. Yet next year will see the Shanghai International Circuit host once more; all that was left was for Zhou’s presence to be confirmed. That came on Thursday morning. Ahead of the Singapore Grand Prix, the 24-year-old penned a one-year extension with Alfa Romeo to race with the Sauber-works team for a third-straight year. F1’s worldwide popularity boom has not diverted past China – and next spring we will see the full impact of Zhou’s spot on the grid. “It’s the dream fulfilled – the first Chinese driver in F1, it’s a huge thing for a massive country like us,” Zhou tells The Independent. “So many more Chinese fans are engaged in F1 compared to the past, obviously me getting into the sport means more people follow the races. “The pressure started two to three years ago, so it’s no longer a surprise. I’ve been through that period. I’m fine with the pressure. Now, it’s all about having a good example to set and inspire younger generations.” That pressure, both from the fanbase and within the paddock itself, is inescapable. Just ask Nyck de Vries: a Formula 2 and Formula E champion, he was ruthlessly axed from his AlphaTauri seat in July after just 10 races. For all the riches of the globe-trotting spectacle, F1 remains undeniably cut-throat. Yet you won’t see Zhou having too much sympathy. “There’s a lot of pressure in Formula 1,” he states. “Only winners stay in this sport. If you can’t perform, if you’re outperformed by others, you’re going to lose the seat. That’s the reality. It’s the way everyone lives. The pressure is there, you don’t have a lot of time and you’ve really got to get on with it. “If you can’t do that, then you won’t stay here for long.” Zhou’s performances behind the wheel of a struggling Alfa car this year – languishing ninth in the Constructors’ Standings no less – have clearly impressed enough for a third bite at the cherry. Four points from 14 races would, typically, be a topic of major concern. Yet with experienced team-mate Bottas only two points up the standings, it is difficult to place too much blame on the drivers in the cockpit. With Audi’s takeover looming large for 2026, work is hurriedly being done in the background. “The results have been difficult to take,” he says. “We didn’t expect Aston Martin and McLaren to be so fast this year. It basically means we are fighting for two positions every week. My total points don’t show how much I’ve improved as a driver. I made some mistakes last year, but this year it’s more about the car.” Zhou’s assuredness stems from a childhood of contrasts: his formative years spent in the hustle and bustle of Shanghai, followed by time as a teenager in the Steel City. Learning a new language and new culture, he went by the name of Steven at Westbourne School in Sheffield. “The culture and language are obviously completely different,” he says. “The education system too…” He pauses. He reflects on memories which quickened his acclimatisation process. “While in Sheffield, I really enjoyed playing pool. Not snooker, that’s more difficult! But also I was very surprised at how many Chinese people were going to university in Sheffield and at how many shops and restaurants there are. It’s quite far from London but you don’t feel like you’re too far out! Everyone was very laid back.” His ascension to F1 came as something of a surprise. Three seasons spent with the Alpine Academy in F2 – with a 2021 finish of third his best showing – saw Alfa come calling. He scored a point on his F1 debut in Bahrain last March. His start was impressive. But then came Silverstone. “It definitely set me back,” Zhou says now, recalling the time his Alfa spun upside-down towards a barrier at the start of the British Grand Prix. Miraculous images with a miraculous outcome: Zhou barely had a graze on him. “It happens. I recovered quite quickly mentally. It was just a shame because I had some very good momentum, I’d twice been in Q3, but I had to have a recharge afterwards. It wasn’t too bad.” Zhou is not one to reminisce too much. Everything is possible for the Chinese driver with a slice of Sheffield inside him. Audi’s arrival in less than three years is “still so far away.” However, he does admit: “Hopefully I can stay when Audi come.” But that’s in the distant future. For now, it’s on to this weekend and the twists and turns of Marina Bay. Read More Alfa Romeo confirm driver line-up for 2024 F1 season Max Verstappen breaks new ground with record victory at Italian Grand Prix Max Verstappen tells Toto Wolff to focus on Mercedes after snipe Hamilton labels Marko’s comments about Perez ‘completely unacceptable’ Sebastian Vettel refuses to rule out return to Formula 1

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The House of Representatives has voted to raise the debt limit, thereby ensuring the United States will avoid defaulting on its debt, despite vocal opposition from many Republicans in the House majority. The legislation had resulted from negotiations between lieutenants of House Speaker Kevin McCarthy and the White House. The passage of the legislation is the first major hurdle to be cleared for Mr McCarthy, who made a series of concessions on how to negotiate the debt limit during the marathon 15 votes it took for him to become speaker in January. The Senate will take up the legislation for a vote and Senate Majority Leader Chuck Schumer has pledged it will pass before 5 June, when Treasury Secretary Janet Yellen has warned that the United States will run out of options to maintain its debt obligations. Multiple Republicans vehemently criticised the bill, saying it did not go far enough in its spending cuts as well as highlighting the fact it raised the debt limit until January 2025, rather than raising it a certain dollar amount. Rep Garret Graves (R-LA), one of the chief negotiators with the White House, said that conservative criticism ignored the fact that had it not been for the agreement, the White House would have likely raised the debt limit unilaterally or Democrats would have teamed up with moderate Republicans to raise the debt limit without spending cuts. “So by doing so all you're doing is playing into the hands of the White House,” he told The Independent. “Because if you keep going down this road, if you keep trying to sew this line, that's simply not true that there's some other option out there to save a gazillion dollars, all you're doing is you're moving towards default.” But several House conservatives criticised the bill for multiple provisions, including the fact it did not put in place work requirements for Medicaid. The agreement increases the age for work requirements for the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps, for able-bodied adults without dependent children from 50 to 54. That earned the criticism of many progressive Democrats and led to them opposing the bill. At the same time, the agreement would exempt youth in the foster care system, veterans and people experiencing homelessness from work requirements for SNAP and the Congressional Budget Office estimated that approximately 78,000 would gain benefits in an average month as a result of the deal. But Rep Byron Donalds (R-FL) criticised the legislation for not going far enough in work requirements such as including them for Medicaid. “And I think that's just a smart and prudent thing to do,” he told The Independent. “But when you expand eligibility for the program, at least the way CBO is putting it we're actually taking a step backwards.” Read More What’s in the cliffhanger deal struck by Biden and McCarthy to raise the debt limit? Anti-poverty groups and progressives blast work requirements for aid to poor Americans in debt ceiling deal

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