Hundreds of years ago, Britain was a collection of villages and small towns. Even, centuries on, as population growth and expansion has turned once minor communities into major cities, many still flock to the countryside or to places that avoid the hustle and bustle of a major city for a peaceful life.
Margaret is off to visit a friend in Borrowash. But it was only a few weeks ago that she was at the bus stop when she had to go to her nearest open Lloyds TSB branch - in Nottingham city centre - after a near-miss with a scammer.Ms Williamson had been the recipient of a scripted phone call - to both her landline and her mobile - telling her that there had been a local fraud and that she needed to shut her account.
But she had to go to Nottingham because at the Hub, they didn't have the equipment necessary to perform the right scam checks needed for Ms Williamson's peace of mind. A few days later, wanting to double check something, she went to the Long Eaton branch and met the same female staff member she had spoken to at the hub.
It's not just the elderly who suffer from the disappearance of banks. Plenty of businesses along Derby Road still take cash.