OK, so two of our bailed-out banks, RBS and Lloyds TSB have coughed up to provide ailing HMV with the £220 million urgently needed to replace the existing £240 million.

It's a very convenient time for this new finance to be put in place as according to a report in The London Evening Standard, "Bailed-out banks rescue HMV with £220m loan" by Nick Goodway and published on June 7th 2011, HMV were about to breach the covenants on the current facility.

Dinosaur or gem in need of protection?

It's ironic to think that when the first HMV shop was opened by Sir Edward Elgar 90 years ago it would have been at the forefront of music listening technology. Fast forward through the decades and it's the advances in the same technology that's left it floundering in the wake of the new ways of buying music.

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