Episode 2 Postcode Lottery


Episode 2

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Transcript


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Did you know that where you live dictates what you get?

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Even one side of a street can be completely different to another

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because every part of our lives is affected by a line on a map

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and a few letters and numbers.

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Well, I'm here to get you a better deal

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and to reveal what is really going on in the postcode lottery.

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Today, size does matter when it comes to repairing

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the postcode lottery potholes.

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It seems to me there is one rule for one county and one rule for another

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and there doesn't seem to be any standard of when they'll do something about it.

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We meet a man who fought for his country across the globe

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and now can't have a home of his own

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because of the cruellest postcode lottery.

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It is hard to even get anywhere with the house.

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I'm just...hoping that everything turns out OK.

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And we meet the postcode losers who believe the big banks don't care

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their local branches are being axed.

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This community is totally and utterly devastated.

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I think it's downright rude!

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-ALL:

-Come on, banks! Don't leave us out in the cold!

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Are you going to be a winner in a postcode lottery?

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Well, I'm here to help you get the right number.

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Hello. My Postcode Lottery team, busy little bees,

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have been roaming the country to find the most ridiculous

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and inexplicable decisions taken on your life based purely on where you live.

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And today we'll be bringing you Postcode Lottery stories from DE21,

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which is Derbyshire to you and me, LL14, which is Cefn Mawr in North Wales.

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But first, we're heading to pothole postcode lottery HP13.

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"Where on earth is that?", I hear you ask!

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It's High Wycombe in Buckinghamshire.

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Every council across the UK has a different rule

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for when a pothole becomes big enough to be a candidate for new tarmac.

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And no-one knows more about this postcode lottery

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than the residents of one holey road in High Wycombe.

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They send people out, they just patch the road, fill it up,

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and the minute you drive over it or rain comes, it's even worse.

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We are not third world country, we are England. We are British.

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We're supposed to have good things!

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You know, I pay my tax and I work!

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So I hope something will be done to our roads soon and very soon.

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Welcome to Brunel Road in High Wycombe,

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where the residents have more than their fair share in need of repair.

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Though just a short road, it's littered with over 200 potholes

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and it's making the lives of residents almost unbearable.

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Especially for this man.

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On our road, start avoiding the potholes.

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Good job I used to do slalom canoeing!

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All right. In, out, in and out.

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This is Richard Piercey. He lives on Brunel Road and he is convinced

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the potholes in this street are a potential death-trap for cyclists.

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It could lead to a serious accident in this road,

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the way the surface is deteriorating and the gravel also coming up

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from the road surface.

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Richard believes he and the road

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are both losers in this postcode lottery.

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It's very annoying to start off on this road first thing in the morning,

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you feel you're putting your life at risk before you've even got out of your house.

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So I feel very annoyed about the road situation.

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Richard's wife Kathleen has had more than enough of Brunel Road's holes.

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She is on a one-woman crusade

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to bring peace, quiet and super-smooth surfaces back to High Wycombe.

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The buses rattle along here and the potholes cannot help that!

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I don't know if you can hear me over the noise of the bus!

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But the buses certainly do rattle along here.

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I don't know what the garage bill is for these buses.

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Surely it must have an impact on the cost of running these buses.

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-It's the worst road I've ever come across and we travel quite a distance.

-Yeah.

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This is the worst of the lot of them.

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Really is bad! Needs doing. Really does need doing.

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This road really and truly is not fit for purpose.

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And this is precisely why Kathleen's a one-woman campaign

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battling the council for a safer, quieter street for everyone.

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It's been almost two years since her campaign began

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and Kathleen won't quit until every ugly crater has been filled in.

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I e-mailed the council and got a standard sort of reply back.

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E-mailed again and they said, "No, they're just fretting."

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Apparently they're not deemed bad enough to be resurfaced

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so there is this "fretting" phrase. They also say things like,

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"We do not mean to be unhelpful or obstructive

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"but we do not want you or the residents you represent

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"to be any further frustrated by this situation than they currently are."

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Well...not being responded to, not having any more information certainly doesn't help that

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and I think we are quite frustrated about the whole situation.

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Part of the problem is that councils don't even agree on what makes a pothole a pothole.

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Your postcode really does determine whether your road gets repaired or not.

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It seems to me there is one rule for one county and one rule for another.

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And Kathleen's right. For example, in Gloucestershire,

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a pothole isn't classed as a pothole unless it's at least the width of a dinner plate

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and at least the depth of a golf ball.

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However, in Coventry, a golf ball is nowhere near big enough to be classed as a pothole!

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Here you are, Becky. Give that one to your dad.

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Oh, no! In Coventry, a pothole must be at least the depth

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of a tennis ball.

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Tennis balls! Golf balls! Dinner plates!

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Confusing?! Is it just me or does anybody else feel like they need a check-up from the neck up?!

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Information can be power in the battle of the potholes

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and there is something all of us can do.

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So back to High Wycombe, where we'll try and prove

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that the ruler can be used against the rulers.

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Armed with the dimensions of a Buckinghamshire Category 1 pothole,

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Kathleen sets out to see if her road qualifies for an urgent repair.

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According to the Bucks County Council,

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a pothole needs to be at least 300mm wide and have a depth of about 40mm.

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I consider this to be a pothole here that's worth fixing. So...

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..this pothole is...

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..well over 300mm wide. There's the 300mm mark.

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And I would say it's at least twice that.

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Width-wise...this is...at least 60mm deep,

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and the minimum requirement is 40. I would say it's well over there.

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So I consider that to be some pothole.

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OK, I am going to phone up the council now

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and report that pothole in Brunel Road that I looked at this morning.

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'Welcome to Buckinghamshire County Council, Transport for Buckinghamshire...'

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# There I was, digging this hole

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# Hole in the ground So big and sort of round, it was... #

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'Thank you for your patience.

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'Your call is important to us and an adviser will be with you as soon as possible.'

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-MUSIC PLAYS

-This isn't getting anywhere. I think I'll just e-mail them.

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So, it was 600 plus...

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millimetres across,

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which I think constitutes a Category 1 pothole.

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Submit.

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See what happens now.

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# That's the place where the hole's gonna be... #

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And whilst Kathleen awaits action from Buckinghamshire Council,

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she sees it as her civic duty to warn other users of the dangers

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potholes can bring.

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They put their thumbs up. That's great.

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You should be able to find out the dimensions a pothole needs to be to be repaired

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from your local council and keep asking because it's your right to know.

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We approached Buckinghamshire Council on several occasions

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to comment on their potholes policy but they failed to get back to us.

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In the meantime, I can report a victory for Kathleen and the Postcode Lottery team

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because she's had 200 potholes in her street filled in.

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So you can do something about it. Get out there with your dinner plates or your balls -

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I'll need that one back, Becky, ever so sorry -

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tell the council I told you to call.

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# And that's that! #

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Thousands of men and women from this country

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leave the armed forces every year,

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some of them having served on a frontline tour of duty in Afghanistan.

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Our politicians have promised them homes for heroes when they return.

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But our team have travelled to Derby

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to uncover a postcode lottery scandal that is shaming a nation.

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They fight selflessly for Queen and country with no thought for their own safety.

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Many have made the ultimate sacrifice with their lives but what happens to those left behind,

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those who have to live with the memories of war?

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Some return with physical scars, some with mental,

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but all are in need of support and rehabilitation.

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It's a sad truth that too many are not offered the promised home for a hero,

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often finding themselves without a roof over their heads.

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Brendan Ogden has completed two tours in Afghanistan,

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the first in Lashkar Gah, where he was assigned to protect civilians and keep the peace.

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Brendan's second tour was in 2009,

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where his missions included delivering weapons, ammunition,

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food and other supplies to the many bases in Helmand.

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He was constantly in the line of fire...

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EXPLOSIONS

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..and saw many of his friends and colleagues seriously injured.

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Brendan arrived home traumatised by his experiences of war.

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He's now been diagnosed with post-traumatic stress disorder.

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He's on a heavy dose of medication

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and finds it difficult to function normally.

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I didn't really know I had it until me attitude started

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changing around people, towards people, as well.

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I get moody, anxious,

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start shaking and most of the time just flip out with someone.

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I changed in myself.

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I'm not lively any more, I used to be lively, and do stuff.

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There is no uniform policy across the country on providing

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homes for heroes, and there are massive variations.

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Like many of other authorities, the city of Derby,

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does not prioritise housing for returning soldiers.

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And so, after serving his country,

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Brendan is now living as a houseguest

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in very cramped conditions with members of his family.

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Without their support, he would very likely be homeless.

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I'm living with me sister,

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and her boyfriend, as well as their kid,

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and my brother as well.

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It's a two-bedroom flat, so it's pretty crammed in.

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This is the first room where Cody sleeps,

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and my sister and her boyfriend.

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This is my room, where I sleep with my brother. It's a bit cramped.

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Brendan has found the transition

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from life on the frontline to life on civvy street incredibly difficult.

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The council housing application process can feel long,

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drawn-out, and even intimidating for ex-servicemen like Brendan.

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I've been waiting for quite a bit now, but it is hard.

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It does take a long time to actually process,

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to even get anywhere with the house.

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While waiting for a flat,

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Brendan shares a small room with his twin brother, Matt.

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Having to sleep together on a small sofa bed.

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Matt has also had to become Brendan's carer.

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Just can't seem to split us up really.

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I look out for him, make sure he's getting up,

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because suffering from depression,

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keeping going, motivated throughout the day.

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The council have not been responding to him much at all, to be honest.

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We keep going back there,

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to let them know that he is desperate for a place of his own.

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But for the time being, we have to cope.

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All Brendan wants is a home of his own.

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Today he's travelling just 24 miles

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across the Midlands to Mansfield to see his old Army buddy Patrick,

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but he's also going to see how this postcode lottery can make winners and losers,

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for the reunion is taking place in Patrick's own council flat.

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The former comrades completed two tours of Afghanistan together.

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-How are you?

-How you doing?

-OK.

-Have you been looking after yourself?

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-Yeah, good.

-Got a job yet?

-No.

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They shared many experiences on the front line and are now

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both facing a battle against post-traumatic stress disorder.

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I was part of a team training the Afghan army, and the Afghan police.

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This tool wasn't such a good tour really.

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I was blown up, and one of my close friends died in the explosion.

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When it's that close, it's a bit different, a bit hard to take on.

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I think that's part of why I have got post-traumatic stress.

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That's the main reason why I came out, really.

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But it helps to share memories, good and bad.

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-That was on a big op, that was. Can you remember that?

-Yeah. Oh, my God.

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I look nice, don't I? Dead good, actually. I actually feel better.

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Talked a bit on the phone, internet and that.

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Yeah, it's good to actually see him after a year.

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For all they have in common, their experience of getting adequate housing couldn't be more different.

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With the help of Mansfield Council, Paddy was given his home

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within weeks of returning from Afghanistan.

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Little girl stays here when she comes.

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-Kitchen, normal everyday thing.

-Nice and big, isn't it?

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There's a lot of space.

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Probably better than yours. Own space, time to yourself.

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Five people inside a real small flat, I can only fit two in anyway.

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Mansfield Council has only fairly recently changed its policy towards returning soldiers,

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recognising that they need greater priority and support.

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Jason Rathbone is Mansfield Council's veteran support officer,

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and himself fought in the Gulf War.

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He helps former soldiers to try and get their lives back together,

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and understands how post-traumatic stress can become a huge

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obstacle to them.

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PTSD means that you can't relax.

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So, being in a public environment, travelling on public transport,

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doing anything like that in a public environment can be very daunting.

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Actually coming to this environment to actually apply for housing,

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sometimes can be a very difficult proposition.

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The main crux of it is you need somebody like me

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as a centre point within the community, to engage with people.

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I think it has made all the world of a difference to Patrick

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to have me there really, to sort of, like, deal with everything

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to do with housing benefit, because he just has to go to one person

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who fully understands where he's coming from,

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and what he's been through,

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and it's made the process, for Paddy, painless.

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I thought I was stuck really, I thought I'd be homeless,

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stuck in a tent, or something like that.

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Everything got sorted out, the council were spot-on,

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helped in every way that they could.

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Otherwise I'd have been on the streets, without a doubt.

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Haley Barsby is head of housing in Mansfield Council, and admits

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that they needed someone like Jason to show them that they had to change their policy.

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Jason is very passionate about what he does, and listening to him,

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and then beginning to appreciate the set of circumstances

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that ex-veterans, who are returning,

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potentially from quite traumatic experiences, are facing.

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It was a bit of a light-bulb moment, where you do think, "My goodness,

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"these people do need more help than we're currently offering them."

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Having seen Brendan again, Patrick wishes that his friend

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could get all the help and support that he has received.

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I don't know why other areas can't be like Mansfield Council are being.

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You serve your country, you do what you can,

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then as soon as you leave, that's it.

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It's like you are chucked to one side.

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I just think it's pretty disgusting, really.

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Paddy told us about Brendan. How he had just come out as well.

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Paddy's quite a close friend of his, and is quite concerned about him.

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And to try and get him the help he needs,

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Jason has decided to take on his case.

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What I'd like to see is Derby City Council

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actually take notice of the legislation that exists.

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He is homeless, he is sofa surfing, that's not justified.

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If they dilly-dally he'll be lost to them.

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This is how people fall out of the system, and end up homeless.

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This is a real and constant danger in modern Britain.

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It's estimated that there are thousands of ex-servicemen

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and women sleeping rough on the streets.

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Back in Derby, after months of waiting,

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Brendan is still living in his family's overcrowded flat.

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Jason continues to pursue his case, but as yet there is still

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no sign of Brendan getting his own place.

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I hope to get better from PTSD,

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have somewhere to live,

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hopefully rely on myself, without other people trying to help me,

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which I don't like that a lot. I don't like being helped.

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I'm just hoping that everything turns out OK.

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It's now six months since Brendan applied to be housed,

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and he still sleeping on his sister's settee.

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So, we contacted Derby council, and asked them

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what their policy is regarding ex-service men and women,

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and they said:

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And as for Brendan, the council informed us that...

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Look, this postcode lottery isn't really about Derby,

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or the dozens of other councils who don't have a policy

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or priority in this area. It's a Government thing.

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So, come on, Mr Prime Minister, come on, Mr Minister for Defence,

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and come on, Mr Home Secretary.

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Attention, get your finger out!

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And finally, there's good news for Brendan.

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We have just heard that Derby has paid attention,

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pulled their finger out, and offered a Brendan a council flat.

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Good on you, Brendan!

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Every day this week we're going to bring you

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a bite-size list of postcode lottery fame and shame.

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You know, winners and losers.

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The choice of subjects is so wide, you wouldn't Adam and Eve it.

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So, you're sitting your driving test, you're very nervous,

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but at least all is fair in love and driving tests, right?

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Well, not quite. According to the Department for Transport's most recent figures,

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the average nationwide pass rate for cars is 47%.

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So, where do you need to live to improve your chances

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of passing your test?

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Well, the test centre with the highest pass rate is

0:20:380:20:42

Norwich LGV, where everyone passed their test.

0:20:420:20:45

OK, only two people took it, so maybe that explains it.

0:20:450:20:49

And that is closely followed by the Isle of Mull,

0:20:490:20:52

with a pass rate of 92%

0:20:520:20:55

and the Isle of Tiree, with a pass rate of 87.

0:20:550:20:58

So, where is the place that you really don't want to live

0:20:590:21:02

if you are taking your driving test?

0:21:020:21:05

And, they are in reverse order:

0:21:050:21:08

The third most difficult place to pass Watnall LGV,

0:21:080:21:12

where 33% of drivers passed.

0:21:120:21:14

Second toughest is Wanstead, in Berkshire,

0:21:140:21:17

with 32% pass rate.

0:21:170:21:19

And the toughest... Drum roll, please. Drum roll, please.

0:21:200:21:22

DRUM ROLL

0:21:220:21:23

..is Heaton, in Bradford, with just over 31% passing.

0:21:230:21:27

Now, the question I'm asking,

0:21:270:21:29

and I'm sure you are, is exactly why pass rates are so different.

0:21:290:21:33

As they say, we are carrying out a full investigation,

0:21:330:21:36

but haven't quite yet got the full answer.

0:21:360:21:40

It goes without saying that we would all want our kids to go to

0:21:450:21:48

the best school possible, and let's be honest,

0:21:480:21:50

we all know it's a postcode lottery.

0:21:500:21:53

But wait till you meet the Nunn family from Suffolk,

0:21:530:21:56

because they believe one tiny little millimetre on a council map

0:21:560:22:00

has made them school lottery postcode losers.

0:22:000:22:04

But wait till you see what they are thinking of doing about it.

0:22:040:22:07

Many people move house to get into

0:22:090:22:11

the catchment area of a particular school,

0:22:110:22:14

but this family are contemplating moving 100 yards

0:22:140:22:19

into their own garage to prevent a family split.

0:22:190:22:21

Come on, girls, into your new house.

0:22:210:22:23

For the time being, though,

0:22:230:22:25

they are staying put in their house, and living with the consequences of a school nightmare.

0:22:250:22:29

All they want is for their three girls

0:22:290:22:31

to be in the same primary school.

0:22:310:22:33

Ten-year-old Keeley, and six-year-old Shannon

0:22:330:22:36

go to Burton End, their local school.

0:22:360:22:38

Their sister, Four-year-old Demi,

0:22:380:22:40

was refused a place in Burton End, and has just been forced to start

0:22:400:22:44

at Place Farm school, 20 minutes away in the opposite direction.

0:22:440:22:49

When their mum appealed against the decision, she was shown how

0:22:490:22:52

her postcode made little Demi one of the youngest lottery losers.

0:22:520:22:56

They send you a map to show your catchment area.

0:22:560:22:59

When you look at the map, it does look like this

0:22:590:23:02

thick black line goes through our house, basically.

0:23:020:23:06

When I saw the map, I thought we was fine,

0:23:060:23:08

everyone I have shown also thought we were in the catchment area.

0:23:080:23:12

Once they scaled in this map, it shows that we're not.

0:23:120:23:16

They said that the line was drawn too thick,

0:23:160:23:18

because they have sent everyone the same map,

0:23:180:23:20

they wanted to make sure everyone could see the catchment area.

0:23:200:23:24

That black line on the postcode lottery map has changed

0:23:240:23:27

family life in the first week of a new term.

0:23:270:23:30

It's a brand-new frantic school run.

0:23:300:23:32

Quite a hectic morning, really, now.

0:23:320:23:35

By 8:50 Keeley and Shannon have reached their school.

0:23:370:23:42

Demi also has to start at 8:50, but obviously I can't get there

0:23:420:23:45

to two schools at once, so we had to walk from Burton End to Place Farm,

0:23:450:23:50

which takes 20 minutes if we're walking fast,

0:23:500:23:53

so she does have to start school 20 minutes late, every day,

0:23:530:23:56

and then I had to pick up 20 minutes early.

0:23:560:23:59

She misses 40 minutes a day of school,

0:23:590:24:01

which is not good for her education.

0:24:010:24:03

Suffolk County Council have suggested to me that my 10-year-old

0:24:030:24:07

walks my six-year-old to school, and walks home everyday.

0:24:070:24:11

I explained that Keeley starts 10 minutes before Shannon,

0:24:110:24:13

she will be in the playground for 10 minutes on her own,

0:24:130:24:16

they said, "can your six-year-old walk herself to school?" Which I replied "No,"

0:24:160:24:20

because I think that's disgusting, to even suggest it,

0:24:200:24:22

I just find that wrong.

0:24:220:24:24

I feel quite upset really that Demi has been let down by Suffolk Council,

0:24:260:24:31

really, because she is a shy little girl, and she doesn't settle great.

0:24:310:24:35

It took me ages for me to get settled into playschool and nursery,

0:24:350:24:38

and I explained all of this,

0:24:380:24:41

but I just feel that they don't listen to you,

0:24:410:24:43

and it is quite upsetting really to know that she can't go

0:24:430:24:46

with her sisters, because they are very, very close. Who we getting first, Keeley or Shannon?

0:24:460:24:52

The family divide has got so severe

0:24:520:24:55

that Kelly has even considered breaking the law.

0:24:550:24:58

The admissions team, when I contacted them,

0:24:580:25:01

they basically said that if I don't send Demi to school,

0:25:010:25:04

because I refuse to start with, that I wasn't going to send her to school.

0:25:040:25:08

They said that I can face up to 12 weeks in prison

0:25:080:25:11

for not sending her to school.

0:25:110:25:13

They haven't been helpful at all.

0:25:130:25:14

They keep telling me that she is fifth on the waiting list,

0:25:140:25:17

and that there's nothing they can do.

0:25:170:25:19

It's little Demi which is what it's really affecting,

0:25:210:25:24

because it's so far to walk for a little one.

0:25:240:25:26

Basically, she's coming home from school and she's flaking out.

0:25:260:25:29

The family have been forensically examining

0:25:320:25:34

a more detailed council map,

0:25:340:25:36

making the school catchment area even clearer,

0:25:360:25:39

and the postcode lottery even more frustrating.

0:25:390:25:42

So, on the map, it actually comes into our garden.

0:25:450:25:49

This is the borderline, on here, as the fence goes round.

0:25:490:25:55

So, if we were the other side here, my hand is in the catchment area.

0:25:550:25:59

-Isn't it?

-Yes, because that goes like that.

0:25:590:26:02

It actually follows the fence line around to here, doesn't it?

0:26:020:26:06

If we could ask our friendly neighbour

0:26:060:26:09

for a yard of their garden, we would be all right, wouldn't be?

0:26:090:26:14

It's crazy isn't it? Absolutely crazy.

0:26:140:26:17

Ian and Kelly though,

0:26:170:26:18

have spotted one potential loophole in the bureaucratic

0:26:180:26:22

insistence on the importance of that thin black line on the map.

0:26:220:26:25

Right, you're on the line there, Kell, and It stops here.

0:26:250:26:31

Takes in all the garages.

0:26:310:26:33

Our garage is there, which is obviously in the catchment area.

0:26:330:26:37

-All of them are in the catchment area.

-Yeah, all of them.

0:26:370:26:41

I find it really silly,

0:26:410:26:42

because if our house isn't in the catchment area, fair enough,

0:26:420:26:46

but our garage is, so we might move in there.

0:26:460:26:48

Come on, girls, into your new house.

0:26:480:26:51

We asked Suffolk County Council for their thoughts

0:26:560:26:58

on the family's situation, and they gave us the following statement.

0:26:580:27:02

So, there we are, Demi, you'll have to keep waiting.

0:27:370:27:40

All of us value our local services - the corner shop,

0:27:460:27:50

the post office, and of course, our local bank.

0:27:500:27:54

Despite opposition,

0:27:540:27:55

it's estimated that 10 banks a month are being closed down.

0:27:550:28:00

Our postcode lottery team have discovered that

0:28:000:28:02

the decision as to whether those banks remain open or closed

0:28:020:28:07

is being made in EC4.

0:28:070:28:08

THAT is the banking capital of London.

0:28:080:28:11

Let's be honest,

0:28:150:28:16

the City of London square mile is not the most popular of postcodes,

0:28:160:28:20

and bankers are making decisions here that affect your local branch.

0:28:200:28:25

To close, or not to close? That is the question.

0:28:250:28:29

But, there is no set standard or figures which banks use

0:28:290:28:32

to decide whether to keep yours open.

0:28:320:28:34

And it's all done in secret, behind closed doors.

0:28:340:28:37

For those living with the consequences, though,

0:28:370:28:40

it feels like a lottery in which they don't even have a ticket.

0:28:400:28:43

We've travelled to Powys, in mid Wales, where people are feeling like

0:28:430:28:47

they are always the losers in this lottery, and they want some answers.

0:28:470:28:51

The beautiful rolling countryside in mid Wales,

0:28:510:28:56

a gorgeous place to live, but like all of us in these difficult economic times,

0:28:560:29:00

a place where people still have to battle to make a living.

0:29:000:29:04

Cefn Mawr is a village where the locals are

0:29:040:29:06

working hard for a brighter future.

0:29:060:29:09

It's just been earmarked for a multi-million pound regeneration scheme by the Welsh government.

0:29:090:29:14

The regeneration plan will hopefully bring jobs

0:29:140:29:17

and money into the local economy,

0:29:170:29:19

but one thing is clouding their future -

0:29:190:29:21

it's becoming the village with no bank.

0:29:210:29:24

HSBC announced their plans to close the only bank left in town.

0:29:240:29:28

It's a real blow to Cefyn Mawr, just ask Councillor Warren Coleman.

0:29:280:29:33

We are a regeneration village, and there's no banks except for this one.

0:29:330:29:39

So, for people to say, how can you regenerate a village

0:29:390:29:41

if you haven't even got a bank?

0:29:410:29:43

It's an integral part of a village. I feel it's a bit premature.

0:29:430:29:47

They're judging Cefn on what it looks like now,

0:29:470:29:51

before all the things which are in the pipeline can come to fruition.

0:29:510:29:56

The locals in the village are just as confused and angry at the HSBC decision.

0:29:560:30:00

So, once that shuts,

0:30:000:30:02

we'll have to go right over to the next village to use their banking

0:30:020:30:05

facilities, but they're in danger as well, that's a small place.

0:30:050:30:09

You need to be able to speak to somebody face-to-face, not over the phone.

0:30:090:30:12

Because it's a small community, isn't it?

0:30:120:30:15

They probably don't think it's doing as well as it actually does,

0:30:150:30:18

but that bank is always busy.

0:30:180:30:20

After months of campaigning, and a carefully constructed case

0:30:200:30:23

sent to her HSBC, the community's hopes were raised

0:30:230:30:26

when they were invited to a meeting at the bank's HQ.

0:30:260:30:29

So, surely they would get a fair and considered hearing?

0:30:290:30:33

They were very selective at who they met.

0:30:330:30:35

They met the chairman, and myself as vice-chairman,

0:30:350:30:37

also the county council, the AM, and the member of Parliament.

0:30:370:30:41

I thought, "Oh, we got a good chance here,"

0:30:410:30:43

because it was a high-powered delegation.

0:30:430:30:45

They didn't want to know.

0:30:450:30:47

They wound up the meeting by saying, "Oh, we've made our mind up now.

0:30:470:30:51

"I'm sorry, but we are going to close it."

0:30:510:30:53

So, we all came out of the meeting a bit dejected,

0:30:530:30:55

and said, "What on earth did we go down there just to hear that?

0:30:550:30:58

"She could have told us that from the very beginning.

0:30:580:31:01

So, what did the world's local bank have to say about this?

0:31:010:31:06

"This branch is one of the most underused in the country,

0:31:060:31:08

"and that is the main reason for the closure."

0:31:080:31:11

So, we decided to put this to the test,

0:31:110:31:13

using our state-of-the-art time-lapse camera.

0:31:130:31:16

We're going to see if that's really the case.

0:31:160:31:19

The bank is open for three and a half hours each day,

0:31:190:31:21

and we are going to count every customer using the branch,

0:31:210:31:24

to see if it is really as underused as HSBC says.

0:31:240:31:30

So, by our account,

0:31:300:31:32

in three and a half hours of opening 55 people entered the bank

0:31:320:31:36

to use the over-the-counter facilities,

0:31:360:31:39

and 98 people use the cash machine.

0:31:390:31:41

Is that what HSBC call "underused?"

0:31:410:31:45

Our search for that endangered species, the local bank,

0:31:460:31:51

now takes us 26 miles to Llanrhaeadr - another village which was set

0:31:510:31:54

to lose its only bank, and yes, another branch of HSBC.

0:31:540:32:01

Sue Evans Hughes has been trying to get answers

0:32:010:32:04

from HSBC's headquarters in London, EC4.

0:32:040:32:07

She wants to know, why has her bank lost out in its postcode lottery?

0:32:070:32:11

They haven't been coming up with any answers,

0:32:110:32:13

and they're not going to budge over the closure,

0:32:130:32:15

even after nearly everyone in the area signed a petition.

0:32:150:32:18

So, let's just pray that it gets something done.

0:32:180:32:24

This community is totally and utterly devastated.

0:32:240:32:27

So much for this "Talk to your local bank."

0:32:270:32:30

I'm sorry, but it's not a local bank

0:32:300:32:32

if we've got to travel 30 miles round-trip

0:32:320:32:35

to Oswestry, or even 12 miles round-trip to Llanethli,

0:32:350:32:38

which, that's fine for someone who can drive,

0:32:380:32:41

but not for someone that doesn't drive.

0:32:410:32:43

I think it's downright rude.

0:32:430:32:45

Where is the politeness, where is normal politeness?

0:32:450:32:48

The closure of many banks has been attributed

0:32:500:32:52

to the surge in online banking.

0:32:520:32:55

But here is where people like Sue are victim

0:32:550:32:57

to the postcode lottery double whammy.

0:32:570:32:59

People in a significant number of rural areas

0:32:590:33:03

don't have access to broadband, and even if you have got it,

0:33:030:33:07

it can be a bit scary.

0:33:070:33:08

See, when I'm doing this, I'm just too scared to

0:33:080:33:11

go and press on anything.

0:33:110:33:12

I don't know what I'm doing, I'm afraid to get locked into something.

0:33:120:33:16

I want to go into a bank to speak to somebody face to face.

0:33:160:33:19

And it's been a struggle for the village

0:33:200:33:23

to keep its local post office open.

0:33:230:33:25

Postmistress Jo Williams believes that if the bank goes,

0:33:250:33:28

it could further jeopardise its future.

0:33:280:33:32

It's going to be detrimental to every business, including ours.

0:33:320:33:36

They're going to go to the next big town so one thing,

0:33:360:33:38

then they'll do two things, etc.

0:33:380:33:40

Over time, you do less and less within the village,

0:33:400:33:42

it's not a good thing.

0:33:420:33:44

Nationally the post office works with many high street banks,

0:33:440:33:48

to provide a number of essential services on the bank's behalf.

0:33:480:33:53

But HSBC, so far, have refused to get on board with this scheme.

0:33:530:33:58

But it's not just HSBC that are closing local banks.

0:33:580:34:03

Rhayader is 60 miles south.

0:34:030:34:05

Friday morning, 14th January, 2011.

0:34:050:34:09

Barclays decided to pack up and leave this rural community,

0:34:090:34:14

leaving many customers devastated.

0:34:140:34:16

Local residents didn't let them go quietly though,

0:34:160:34:19

and took to the streets to protest against the proposed closure.

0:34:190:34:23

We are handing over a petition with over 1,000 names on it

0:34:230:34:27

objecting to the closure.

0:34:270:34:29

Sadly their efforts were in vain,

0:34:290:34:31

and the bank shut its doors anyway.

0:34:310:34:33

All Barclays would say was that the bank was not a viable concern.

0:34:330:34:38

Here though, like in many other communities across the country,

0:34:380:34:41

local customers would like to know at least why they are being left bank-less?

0:34:410:34:45

Here's a message to the decision-makers in EC4,

0:34:450:34:48

from Disgusted of LD6.

0:34:480:34:50

ALL: Come on banks, don't leave us out in the cold.

0:34:500:34:54

When we approached HSBC, they gave us the following statement.

0:34:540:34:59

Oh, yeah! Tell that to them!

0:35:230:35:25

But it's not all bad news for the people of mid-Wales,

0:35:250:35:28

because here is a crumb of comfort from HSBC.

0:35:280:35:32

They say, "We are committed to leaving an ATM machine in Llanrhaeadr,

0:35:320:35:37

subject, of course, to planning consent.

0:35:370:35:40

Time for another example from the Postcode Lottery list of fame and shame.

0:35:460:35:50

The number of car thefts recorded in an area can have a huge impact

0:35:530:35:57

on your insurance premiums.

0:35:570:36:00

It's one of the key indicators that insurers use when calculating

0:36:000:36:03

how much car insurance you pay.

0:36:030:36:06

So, what's the level of grand theft auto around your postcode?

0:36:060:36:11

According to a recent survey, these are the UK's top six car-theft hotspots.

0:36:120:36:18

In with a bang at number six,

0:36:190:36:21

it might only have a population of 2,000,

0:36:210:36:24

it's ML12, Biggar, in Lanarkshire.

0:36:240:36:26

At number five it's the L10 postcode district of North Liverpool.

0:36:280:36:32

40 miles east as the car flies and in at number four

0:36:350:36:39

it's M9, Blackley, Manchester.

0:36:390:36:41

It's handbrake turn for our number three,

0:36:430:36:46

as we swing back west to CH64, Neston in Cheshire.

0:36:460:36:50

Screeching in at number two,

0:36:520:36:54

it's B94, Solihull, West Midlands.

0:36:540:36:57

But stopping all traffic and the number one postcode

0:36:590:37:03

for the highest incident of car theft...

0:37:030:37:06

it's AB34, the tiny village of Aboyne in Aberdeenshire.

0:37:060:37:11

Who'd have thought it?

0:37:120:37:14

If there's one thing for certain in life, it's that we've all asked this question.

0:37:210:37:25

HE SNIFFS

0:37:250:37:27

Has someone stood in something unmentionable?

0:37:270:37:29

We're off to Liverpool now to discover the truth behind the postcode lottery

0:37:290:37:34

of canine excrement,

0:37:340:37:36

and see how Liverpudlians might actually be the winners in this doggy tale.

0:37:360:37:40

I think I'll stick that in the bin.

0:37:420:37:45

Dogs are known as man's best friend. They're great companions, they're considered part of the family

0:37:490:37:54

and they can even pick you up when you're feeling a little bit down.

0:37:540:37:58

But they're not everyone's best friend, and this is why.

0:37:580:38:02

There are an estimated eight million dogs in the UK,

0:38:020:38:05

producing an unbelievable 1,000 tonnes of, ahem, dog mess

0:38:050:38:11

every single day.

0:38:110:38:12

It's no wonder this is a source of a great annoyance for people everywhere.

0:38:120:38:17

I've seen a few people take the dogs for a walk and they haven't got the pooh dog-bags with them

0:38:170:38:22

and they just leave them.

0:38:220:38:23

If you own a dog you should look after it, and that includes cleaning up after it.

0:38:230:38:27

I think they're selfish. They should go round with bags and pick it up.

0:38:270:38:32

I mean, it's obvious.

0:38:320:38:33

They should get fined, definitely. I thought they did do fines.

0:38:330:38:37

They're not very strict on it, though, are they?

0:38:370:38:39

And thereby hangs the tale.

0:38:390:38:42

You dog-owners can receive an on-the-spot fine of £75 for not scooping the poop.

0:38:420:38:48

But research has uncovered massive variations in poop punishments across the land.

0:38:480:38:52

Derby's only issuing three tickets in a year and Exeter is issuing absolutely none at all.

0:38:520:38:58

One council, though, issued more fines for dog fouling than anywhere else and that place was Liverpool,

0:38:580:39:04

with some 590 fixed-penalty notices handed out.

0:39:040:39:09

You may ask whether dogs in Exeter are just very well-behaved or have Liverpool stolen the march

0:39:090:39:15

in the fight against incontinent canines with their zero-tolerance policy?

0:39:150:39:19

We've come to Liverpool to find out.

0:39:190:39:21

Meet Dean and Gemma, part of Liverpool's dog warden team,

0:39:210:39:25

out to locate dog-mess hotspots around Merseyside.

0:39:250:39:29

Yeah, we've got some dog foul outside 24, 26 Grosvenor Road.

0:39:290:39:33

Yeah, just as soon as poss, please, mate. Cheers, over.

0:39:340:39:37

We have caught residents letting their dogs foul in the area.

0:39:370:39:40

But as a warden service, we've got no powers, so our next step is to educate them

0:39:400:39:45

and what we do is tell them there's the implication of a fine

0:39:450:39:48

and then obviously we get their address and pass on doggy-bags if necessary.

0:39:480:39:52

Michael Bowles, of Riverside Housing is the brain behind this scheme,

0:39:520:39:56

which is becoming an example to other councils across the country

0:39:560:39:59

and he's got the awards to prove it.

0:39:590:40:02

When we set the team up we were called the Clean Team

0:40:020:40:05

and we rebranded in 2009-10 to the Your Place Team.

0:40:050:40:08

Part of the rebrand was talking to local residents and finding out what their problems were.

0:40:080:40:13

The main problem was dog fouling.

0:40:130:40:16

But Dean and Gemma are only part of the team

0:40:160:40:19

because when you've got a really bad poop problem, who you going to call?

0:40:190:40:22

Pooh-busters, of course!

0:40:220:40:25

With their high-tech vacuum packs, they locate and remove all the doody they can.

0:40:250:40:30

It was a machine that we come across through Keep Britain Tidy,

0:40:310:40:35

and for me it was a no-brainer for us to purchase these machines

0:40:350:40:38

as it would make such a difference and it keeps the staff happy.

0:40:380:40:42

Carl and Kevin are a crack team of cleaners who not only remove the mess from the pavements,

0:40:420:40:48

they also leave their own special calling-card for guilty dog-owners to see.

0:40:480:40:52

That team actually do a great job

0:40:520:40:55

and the machine they brought out, I wish they had them everywhere.

0:40:550:40:59

Each road could do with one of their own and that would solve the problem overnight.

0:40:590:41:03

It's refreshing to see cos quite often I've been doing it myself

0:41:030:41:07

and there's other things I could be doing with that time.

0:41:070:41:11

And a final word of advice from the Pooh-busters?

0:41:110:41:14

Just pick it up and help us to stop breaking our back doing this work.

0:41:140:41:18

It's a heavy bit of equipment, this, for us, you know.

0:41:180:41:21

Because of its success, Liverpool Council tell us

0:41:240:41:27

that other councils are now looking at their methods.

0:41:270:41:29

I've got to be honest. I'd like to secretly put one of those machines on reverse blow!

0:41:290:41:34

Actually, no, that was really childish. Can we cut that out, guys?

0:41:340:41:37

That's all we have time for today,

0:41:410:41:42

but there are plenty more scandals out there and some are quite literally potty!

0:41:420:41:47

And on tomorrow's programme...

0:41:470:41:48

'Why should it make a difference where you live in the country'

0:41:480:41:51

as to what treatments you're allowed to have?

0:41:510:41:54

..we reveal the lottery of healthcare that has driven some postcode lottery losers

0:41:540:41:59

to the edge of despair.

0:41:590:42:01

I said to my family, "I just don't want to be here any more.

0:42:010:42:05

"I would like you, please, to book a flight and I want to go to Dignitas."

0:42:050:42:10

We'll be digging in with the guerilla gardeners fighting an allotment postcode lottery...

0:42:100:42:16

People have got tired of waiting.

0:42:160:42:18

We've started cultivating just out of desperation.

0:42:180:42:23

..and we visit the town with no traffic wardens, to ask,

0:42:230:42:27

is this a ticket heaven or hell?

0:42:270:42:29

Stay lucky in the postcode lottery! And if you keep watching,

0:42:290:42:32

you'll definitely improve your chances of winning.

0:42:320:42:35

Subtitles by Red Bee Media Ltd

0:42:390:42:42

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