03/04/2017 The One Show

Hello, and welcome to The One Show with Matt Baker.

Our guest tonight is an actor, but here are some musical

Since making the switch to the States, you may now

Yes, he's the star of acclaimed US thriller Outcast.

We hope you liked your little musical intro, Philip.

It's dark and scary, but we hear you and your fellow cast

members have imagined what Outcast: The Musical may look and sound like?

Yes, definitely. That would make a great musical. It was the actress

who played Megan, because of the nature of filming, you know, there

is a lot of waiting down time in between set, especially a show like

this, where you know they are setting up for another exorcism or

you know, whatever. Of course. We decided we should start thinking

about Outkast the musical. It got us thinking about what #i9d might look

like. What do you think of this? That looks ideal. Is it working for

you? Not quite what I imagined. What was your budget, about 4.50? You

have done some songs we hear. I'm not doing it. Don't make me sing.

Sing. Ren, she won't be watching she is in America. I have cast it in my

head. I look forward to seeing it. We will talk more about that later.

Since 1998 the average house price in the UK has

Great news for some, but for others the property boom has

actually left them unable to move and owing the bank

Returning to this house at Kingston in Surrey isn'ty for Lesley. It is

where she grew up. Her parents live here until I think that died. How do

you feel about coming back here? I don't like coming back here, the

process of having to empty I a house, when parents die, is not

pleasant, and coming back and seeing it empty and deteriorating is just,

it is horrible. But Lesley is refusing to sell it.

If she did, she would lose a huge amount of money, that is is because

her parents were among 12,000 householders who took out a loan

called a shared appreciation mortgage against the value of their

home. These products were offered by Barclays and the Bank of Scotland

between 1996 and 1998678 the loans were interest free buzz they came

with a big string attached. When the property was sold, the

banks would take up to 75% of any increase in value. My father

guaranteed a loan, for someone, and it went bad, so, my father had to

find some money, didn't have sufficient, and got put into a

Barclays shared appreciation mortgage.

The 35,00 pounds loan was to cost them dear. At the time, his house

was valued at 140,000. But today, the house is valued at 525,000. That

is an increase of 385,000. So if Lesley sold, under the terms of the

deal, she would owe 75% of that, plus the original amount borrowed. A

whopping total of 323,000. That is a staggering increase of 825%.

Penny who is 73 bought her house in Reading in 1997. I absolutely loved

the house. New instantly I would want to live here. A knew. It was

perfect. She thought she was too old to get a mortgage and couldn't

afford to buy the house outright. Then an independent mortgage adviser

told her she would qualify for a Bank of Scotland loan. I would only

need to borrow 17,00 pounds, which was fantastic. I was overjoyed. She

bought the house nerve expecting the value would rise to what it was from

now. It has gone from outright. Then an independent mortgage adviser told

her she would qualify for a Bank of Scotland loan. I would only need to

borrow 17,00 pounds, which was fantastic. I was overjoyed. She

bought the house nerve expecting the value would rise to what it was from

now. It has gone from 96 -- 6 -- 69,000 to 315,000. She would owe

over ten times the original loan now.

This would have a huge impact on myself, because I won't be able to

sell the property, unless I paid them all that money. Or on my death,

my children would have to pay that money back.

That is exactly the position Lesley's now in. Under the terms of

loan she should have sold the house when they died but she is determined

to get the zwreefrl turned. Today, she has come to see a lawyer, Chris

Philpott who is able to bring a joint court action on behalf of

householders. He argues the contract was unfair, and thinks it is the

banks who should pay. The banks are saying that these products they sold

are no longer their, can you you explain that? So this debt was sold

on, probably almost immediately to a third party, so the banks don't own

the debt any more. However, we would say the banks still have the power

to plug the gap between what a reasonable and fair rate would be

that is payable, as compared with the exorbitant rate that will be

payable. We asked Barclays and the Bank of Scotland for an interview,

instead they provided statements. The Bank of Scotland say they

recommended all customers should take financial advice before

applying. Barclays said they required confirmation that the terms

had been fully explained before a loan was granted.

But for householders like Penny the stress has taken its toll. She is

considering so joining the new court action. I became very poorly. And,

had a nervous breakdown. I just think it's an outrage really.

Since the financial crash of 2008, banking has been tainted by an image

of corporate greed. The people I have spoken to hope that the

industry sees this as an opportunity to help a group of vulnerable people

who signed up to deals that are destroying their old age and in the

process show that banking has turned over a new leaf.

What a situation to find yourself in.

We'll keep an eye on that and see how the case progresses.

Philip, Outcast season two starts tonight.

Here you are as the moody Reverend Anderson.

People call it a horror, but you say there's much

I think so, yes. I mean, it's under that genre, because it's from the

creator of the walking dead company 3 and so people like to bracket

things like this, so, if you know zombies were about the walking dead

and our show is demonic possession if you like, it's a character driven

show, it is cleverer than just being a shock horror kind of hour's worth

of telly. It is better than that, it is very character drink. The first

series focussed on one small town. What about series two, what

direction is it all heading in? For those who know the show, who and

those who are Qomming to it for the first time. Watch the first season,

because we are basically, we continue the following day,

basically, and and yes, so it is kind of hard to describe over an arc

of ten hours but basically is a threat to this small town in West

Virginia, the idea is we think there is something possessed about this

place, it is something very dark and sinister, and unpredictable, with

what is going on, and during the course of the second season, what we

think is kind of maintained within this town, actually is a much bigger

thing than we all thought possible. Does it encompass the rest of the

country or is this going on round the world, which is resonant in this

day and age. We have a clip of the second services, which is moment

where your character stumbles upon a mysterious cult.

Yes. Yes. Why are you leaving? I am familiar with the product, I'm just

not on the market. I wonder how you made it there far, you are shopping

for something. I wish I could tell you what. Want help finding out

what? I thought I knew all the churches. We have just had a

personal transformation, we are ready to find our place in the

light. That is tricky part, isn't it. You have a glorious evening.

APPLAUSE I come across this church in the mid

of the woods, as you do. Deliverance going on there! And because my

character, at this stage had reached rock bottom. I am living in my car,

I am searching for something and I find this church in the middle of I

come across this church in the mid of the woods, as you do. Deliverance

going on there! And because my character, at this stage had reached

rock bottom. I am living in my car, I am searching for something and I

find this church in the middle of the woods and I think "There's my

answer" or is itsome We can kind of tell from ta clip you play tough

guy, you know, role, but we wanted to find out what really scares you.

Which leads us nicely into our game. In front of you, you have

the Scale of Terror. Four buttons, each with

an increasingly-horrified scream. We're going to throw some things

at you, and you show us where they are on the Scale

of Terror for you. That is just like... Scary. It is

increasing. I am liking this Let us go in first with just spiders.

I am liking this Let us go in first with just spiders.

Next, getting your car through its MOT.

Getting the car through its MoT? I suppose it depends on the cost. It

is... What about helping the kids do the homework? Homework? LOUD SCREAM.

What about doing another TV series with John Simm? Simm? LOUD SCREAM. I

am kidding. What about watching yourself on television? LOUD SCREAM.

I like this game. It should be a regular feature.

Outcast season two starts tonight 10:15pm on Fox.

Philip's character in Outcast spends his time hunting scary

Miranda's also been tracking down a mysterious beast.

It has eight arms, three hearts and extreme intelligence.

But don't worry, no need to hide behind the sofa for this one.

Feature. LOUD SCREAM. It may not have bones but it does

like to flex its muscles. Particularly its brain. This is a

female curled octopus and she is recuperating here after she was

rescued by fishermen after being stuck in a lobster pot. Some

scientists believe the octopus was one of the first intelligent

creatures to inhabit the planet but how clever are they? Dr Lauren Smith

is a marine poll gist. They are intelligent. They have looked at the

octopus DNA and it is almost the same length as a human DNA sequence.

Which means they have the potential to be as clever as us. But unlike

humans they have a very differentent reck eventual set up They have

almost like a brain in each arm, so they can work independently and move

round and assess the environment and learn about it. The in the wild they

can use it to avoid predators an to hunt.

Their eight arms are very strong, so to stimulate their octopus, Lauren

challenges her with complex tasks like getting the lid off this jam

jar. Which she can do pretty easily? Just

under two minutes. Today, we have brought along a new

challenge. We have placed some food inside this box, so she will feed to

work out how to get in, and retrieve her dinner.

The octopus is quite a large creature, the holes seem quite

small. It is incredible what they can do. Do. She can easily fit

through there. There. The only hard part is the beak. Anything larger

than that, and she will be able to get through.

So with her challenge ready, we lower it into the tank.

See how that goes? Now, we sit and wait.

She uses her eyes to locate the food but needs to work out how to get in.

After a while, she begins to examine the box. That is great movement. She

exploring under the base, that is how they explore a new object. But

the perspex box isn't the only new thing and she is drawn to the

underwater camera. Oh my goodness. Look at that.

LAUGHTER . She has the camera completely

under her mouth part, so he is probably seeing if it is edible. It

might not be edible but something is obviously intriguing her.

The case is open. She has managed to open the protective underwater

housing, so we quickly have to retrieve the camera before it gets

damaged. Now we try without a camera in the tank. She continues exploring

with her tentacles but still is not going for the food. Octopuses tend

to hunt and feed at night, so we given the lights to see if that

helps. It is not long before she starts making her way towards a

whole. Yes! Brilliant. I can't believe it. Look at that. She is

taking the food. She has analysed the box, worked out the positions of

the holds and has decided to squeeze her body against the glass of the

tank through the most difficult access point. But it is the shortest

route to her food. She has gone the most logical way for her, reached

down, realised that is where it is, and gone in that way. Octopuses are

capable of analysing and making logical decisions to solve problems.

That may have looked like a bit of fun, but this in Richmond is really

important for this intelligent lady. To keep her sharp and ready for

release back into the wild. The great octopus footage will not

end there, of course we now have cephalopods with Krestovnikoff. They

are amazing animals. They are all cephalopods, they are intelligent.

An amazing clip of an octopus here. It has found two halves of a

coconut, it is using them as a novel mode of transport. It can hide

inside. I would like that when I have had a queue! Just ain't casing

itself in that coconut. You associate tool use with something

like a dolphin. It is like... They have this remarkable ability to

change colour. They have special skin cells with a colour pigment in

them. This is a cuttlefish. Normally they blend in with their

surroundings, but this is, leave me alone, creditors about to attack.

Another clip of a cuttlefish pulsing its colour. It is said to do this to

hypnotise almost mesmerise its prey. That is not a trick of the light, it

is a reflection of the water around, the cuttlefish is creating that

colour. My favourite is this mimic octopus. It is trying to be another

animal. It is trying to be a flatfish. Remarkable. It looks like

a place or a flounder scooting along the ocean floor. If you have

experience with strange beasts, we gave you this picture earlier on to

try to spot the octopus. It is around here. I thought, this will be

too obvious, it will be an optical illusion. It is like pin the tail on

the donkey. Let's see if you are right. This is where the octopus is.

It is trying to disguise itself from a predator. Look at that. That was

my first thought! We have got it in reverse as well. You can see the way

it changes its form and texture. People are deceived not just because

of the colour change the text the change, it goes on from a smooth

surface to this bobbly thing. You are well off. I am an ocean away. I

am stuck in the English Channel, this is the Pacific! Thank you,

Now from an octopus's garden to one for your community.

Yes, here's our green-fingered friend Christine to tell you more.

Every year since 1862 the Chelsea Flower Show has been showcasing the

best of international garden design. The glamour of Chelsea takes place

over a week in May. We want it to live on. We have teamed up with the

Royal Horticultural Society to give you the chance of having the Chelsea

garden right in the heart of your own neighbourhood. If you live in an

urban or built-up area that needs a dose of nature, your community could

be the permanent home of the green in Great Britain card and 2017. This

is last year's garden in all its glory at Chelsea. It was uprooted

and brought to Brixton. Today, the chief of the cultural list is giving

me a tour. It is an amazing plot. We are at the beginning of the season.

There will be quite a lot of colour. The hydrangeas going in. What will

this plot like before all of this happened? Typical green desert, mown

grass, and not good grass. You can see from this picture, a dull bit of

grass to a beautiful garden. It has always been well loved by local

residents, but they have got a gem, they will love it even more. Today

the passionate gardening group, which has been going strong for two

years, keeps it in top condition. Simon coordinate them. The youngest

we have had involved was two, he came with his mum. We have even had

people whose first language is not English, so they have used it to

integrate with people who live locally, and learn how it is to live

in London. Little toddlers to great grandads. Everybody is learning from

each other. These people are part of the group that comes here to look

after the garden every Friday. Last year I suffered from severe

migraines. Funnily enough, I was doing lavender. Since then, I do not

suffer as much as before. When we first started, we were scared that

people but still the plans and there would be beer cans and fag ends, but

it has worked really well, it looks like we may not be the only people

who secretly come out and look after the garden! What is up for grabs

this year? The designer has drawn up the garden that will premiere at the

Chelsea Flower Show in May. This is the big moment. Here we go. That is

the garden. Really colourful, beautiful, uplifting planting, full

of bright colours. Running through the middle, these could fill up with

rainwater in a storm. I am intrigued by this area, it looks like

sleepers. It is an edible picnic table. Fruit trees coming up through

the middle, you can pluck an apple. Can anybody put in an entry?

Absolutely, it is for communities. Could an individual? It is not for a

back garden, it is for a social space, something that will benefit a

lot of people. It could be a school or a hospital or a hospice, a bit of

wasteland. An old garage side? We are looking at 250 square metres,

about the size of a tennis court, or just a bit less. Whether you are in

the UK, the RHS can make this garden work for you. The winning community

will get help from leading landscapers to realise the garden

and year-round advice on how to manage it. Whether it is your

housing estate that could do with some TLC or your local hospital

could do with some greening up, you can find full details on how to

enter on our website. You have until 10pm on Sunday the 16th of April to

sending your entries. If somebody else wanted to have a garden like

this, is it a good idea? Yes. How many of you love flowers? Hands up!

Flowers? It has made a real difference, and I am proud to live

here. If you'd like to see this,

Nigel's beautiful garden in your community, go

to our website, bbc.co.uk/theoneshow,

to find all the terms and conditions The edible table is a great idea.

Are you Ade Gardner? I mow the lawn. I am allowed to mow the lawn, but I

get quite OCD about it, because I am a golfer. I like my manicure wood

lined. Have you done your first cut? Not at the moment, but I say to my

wife, how can I have a lawn like Augusta? She says, it will never

happen. It will cost a fortune, and the love, care and tenderness...

Just get on with it. If you are not moment your lawn, it is one of the

happiest days of many people's lives, but a lot of us know the

challenges of a new baby. If only there were a starter kit to help out

parents. In Finland, there is, and it is coming to the UK.

The original Finnish baby box was introduced to tackle the high rate

of infant mortality. 65 out of 1000 babies died. The baby box scheme has

been so successful that in the 80 years since it has began it could

their infant death rate from 10% to 0.2%. Now, it is here in Scotland.

The Scottish baby boxes are currently going through a trial

programme in Clackmannanshire in Orkney. There were more than 40

items in this box, we have a cosy outdoor suit, a cute body... By the

summer of 2017, every newborn in Scotland is expected to receive a

box from the Scottish Government as a gift. The box was designed by a

woman who won a competition set by the V Dundee. Where did your

concept, from? I thought about the audience and fairy tales would be a

good way to start, so I used Scottish mythology. The luckless

monster, a unicorn, the National animal. It is unreal to have the

thought that they will be 50,000 babies that might get this box. This

midwife is the first call for mothers and newborn infants in

Alloa. What do you think it will mean for midwives? We educate

mothers throughout the antenatal period and in Labour, but we cannot

be with them all the time. When you are at home, a caption on the tab of

the box, how to position your baby safely, it reiterates what we have

been saying. It is not only the box and the items, it is the education

around it. You have got the prototype box, although the content

of the same, the design is different. It has got everything he

would need. It will be beneficial, multitasking. And the guidelines

inside, the dos and don'ts, very beneficial. The box is a crib, will

Olivia sleep in it? It will be great at grandparents' houses, it is

easy-to-use, we can take it with us, there are no travel cots involved.

It is a lovely idea, but is it a bit too extravagant when times are

tough? The Minister for childcare in early years is one of the people

responsible for the introduction. Scotland's infant mortality rate is

almost as low as Finland's now, so why are we doing this? We do still

have issues, there is no getting away from that. We have an issue

around ensuring that children get the best possible start, regardless

of their income or background. Terence can choose to receive it or

not. How much is each box going to cost's between 100 and ?150, so we

have set aside money. It is absolutely worth it. If you look at

the money within our health budget, it is a tiny fraction, but it will

have a big impact. Outcast season two starts

tonight at 10:15pm on Fox. We'll be back tomorrow

with Danny Baker and double Olympic