17/02/2014 Inside Out East


17/02/2014

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The flooded out, how well would you be covered? With one in six homes

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now at risk from flooding, we investigate house insurance and meet

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one man whose insurance has rocketed. The insurance was going up

:00:17.:00:25.

from 162 ?3500. She killed three men, we have the story of how Joanna

:00:26.:00:32.

Dennehy was finally caught. They asked have you got anything to say

:00:33.:00:38.

and she did a tap dance and was singing singing in the rain. And

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couples tell us how inheriting a retirement home is a financial loser

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and not a windfall. Revealing the stories that matter closer to home,

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this is Inside Out for the East of England.

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Tonight, Inside Out is in Essex. One in six households are now considered

:01:07.:01:16.

to be at risk from flooding. Across the East, people have been dealing

:01:17.:01:21.

with the aftermath and hoping the insurance companies will cover the

:01:22.:01:25.

damage but can insurance companies cope with the exceptional demand?

:01:26.:01:29.

Alex has been catching up with victims of flooding over the last

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six months. This is what we woke up to find this morning. The water was

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flowing through the front door. Chris Woodward's house in

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Hertfordshire flooded just over a week ago. His insurance company's

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assessor arrives to look at the damage. They have moved out all the

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settees and the carpets it has just helped with the fact that it has got

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rid of some of the smell now. Work will get under way as soon as quotes

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are agreed on. Have you ever been flooded before have you had problems

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before have you had problems since you lived here? No. Has it ever come

:02:07.:02:13.

close? He's just at the beginning of a journey hundreds of people are

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about to embark on. Over the last few months the country has

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experience some of its worst flooding with more bad weather

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forecast. Although we're not the worst hit region there are many

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places where repairing the damage has become an impossible situation.

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To find out how people are getting on with their insurance claims, we

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went to see people who were flooded six months ago.

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This was Rayleigh and Hockley in Essex during the August Bank

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Holiday. Within eleven minutes, Graham Phillips' home was flooded.

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But this was only the start of his problems and six months after he and

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his family moved out they are still waiting to return home. The whole of

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the ground floor had the water up to knee level. This was the kitchen and

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all the base units were completely destroyed the wall had to have the

:03:16.:03:19.

plaster taken off. The door frames have gone the doors have gone. The

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hallway had to have the plaster taken off. The downstairs toilet is

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a completer wreck. You come into the lounge got all the plaster off. And

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this is six months on ` nothing is happening. We are stuck in a place

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where we don't want to be. It is now February and his insurer More than

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has not made much progress. The house was dried out within three

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months and work should have started instead it is still a building site.

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The builder put the quote in they questioned that we put our quote in

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for the contents they have questioned that it has taken us

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months and months to get anything written down or give us any money

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for anything. We can't move on until we know how much they will give us

:04:07.:04:10.

to pay for things. I wanted to know from the Association of British

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Insurers how this could happen. There will always be the odd case

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where you think things haven't gone quite as well as it should have

:04:20.:04:22.

done. Certainly that insurer should have been there for the customer to

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work with the customer and try and get it resolved more quickly. The

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fact remains they have been out of their house for six months do you

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think that is acceptable? Well in many cases of course you can be out

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of your property for at least six months the severity of flooding can

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sometimes be such that it can be weeks and weeks for a property to

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dry out before the work can even start to be repaired. But in this

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case that property was dried out it was just the fact that insurance

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company were arguing what they would pay for. The insurance company needs

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to work with the customer to make sure the customer can be in as soon

:04:57.:05:00.

as possible. And certainly I would like to take the details of that on

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my side. While people like Graham Phillips are wrangling with their

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insurance company others are faced with premiums they simply can't

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afford if they can get insurance at all. Peter Plummer feels under

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siege. His home in Rawreth in Essex is constantly being flooded. I would

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rather do this than get my property ruined. It is a pain. How often do

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you get flooded? We have been flooded 19 times in 13 years. His

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insurance premium rocketed to the point where he could no longer

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afford it The insurance was going to go up from ?160 to ?3.500 because it

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is now classed as a flood area." I can't pay that.

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Peter says he has heard of people having to be economical with the

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truth. Some of the people say we don't get flooded we get storm

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damage because then they can get insurance but it is actually

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flooding they tell lies to keep their insurance. And to try and keep

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his premiums down Peter daren't make claims and now does all his own

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repairs. All the floor was damaged when it dried out all the clothes

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went mouldy all the floors are new Who has paid? All of the furniture

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has been restored. Me, I have paid for it all. The last thing I want is

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for this to happen again. But there is a possible solution which could

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help people like Peter. There are plans for a scheme called Floodre

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which will guarantee affordable insurance in high risk areas. So

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what about people that can't afford higher insurance they have to be

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economical with the truth and in some cases they are uninsured what

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would you say to them? This is exactly why the industry as

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developed Floodre which will help these people. What Floodre can deal

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with is flooding up to quite a catastrophic level of flooding we

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know it could protect something like 200,000 and 500,000 homes provide

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them with the peace of mind that they have affordable flood cover. We

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are fully committed to making it work.

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The problem is that it won't be available for another year and the

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details are still being sorted out ` until then people will be at the

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mercy of the market. Where there may be some people beginning to find

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affordability issues and there may be some people who can't actually

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find insurance that is exactly what flood re is for it is just a fact of

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life it is a complex operational and a complete project and it will need

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that amount of time for it to be implemented. We can't bank on the

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weather improving any time soon but it is hoped the changes will offer

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some resolution until then things will continue to be difficult.

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Graham has finally received his cheque from his insurance company

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More than and work can begin. But he is still angry. I have written

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letters, I have made phone calls I have written emails I don't expect

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an apology. I don't think they care they just want to do everything as

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cheaply as possible doesn't matter how much you have spent on your

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house over 30 years you have owned it they just want to do it cheaply.

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My wife and my two kids won't come back they are that desperate to get

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it back it upsets them to see it and unfortunately as I am the one who

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comes down and looks after it but they won't. They are not in a good

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place. So we contacted More than it said: In the case of Mr Phillips

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delays had been caused as it waited several weeks for the building

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repairs to be approved. It told us delays customers had in reaching it

:09:16.:09:19.

were due to an employee mistake and since then it has changed things.

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And it has apologised. If you want to get hold of me, you

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can send me a tweet or e`mail. You are watching Inside Out. Still to

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come: It should have been a windfall so how did inheriting a home for the

:09:59.:10:02.

over 55s become a financial millstone? It has been stressful and

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emotional. Especially for my wife, after her mother died. The last

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thing you want is something like this to happen.

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Joanna Dennehy was described as a monster by her own family. She

:10:20.:10:25.

murdered three men and try to kill two others. Last week her

:10:26.:10:28.

accomplices were found guilty of helping to cover her tracks. Anthony

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Bartram tells the story of how she was finally caught. Some viewers may

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find this report distressing. Triple killer Joanna Dennehy's crimes were

:10:42.:10:45.

played out in court but the plot from a horror film. Until last

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April, she had never been to Hereford. An unlikely backdrop for

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the final terrifying scenes of her violent rampage. She had already

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murdered three men in nine days in Peterborough and came to the city to

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kill more. She wanted to kill nine people. She said, I have to do nine.

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That is the number of people. She was telling Gary she wanted to be

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like Bonnie and Clyde. For the first time we hear from the man Dennehy

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forced to go along for the ride as she stalked and stabbed two more

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victims. The police commander who had to stop her. Your heart is in

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your mouth, you are worried. We have already had two stabbings. How many

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more will there be? Dennehy wasn't alone, Gary Stretch was her drive

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and accomplice. Here they are holding hands at Strensham Services

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on the M5. It is just before 9am on April the 2nd. The first sign the

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pair were heading west. Gary Stretch had contacts in the Herefordshire

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town of Kington. For local man la `` Mark Lloyd today he would never

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forget. I walked into the front room and Gary was there staring at me. I

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thought, what the hell am I going to do? Came right in front of me, she

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said, you must be marked. Gary is my driver. I have killed people and I

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want to kill more. Mark had never met Dennehy but new Gary Stretch

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through a friend. He insists he had no idea the two fugitives were there

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and played no part in their murderous plans. He says he was

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forced to go with them, initially believing they wanted his help to

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turn the proceeds of a burglary into ready cash. Gary is in the driving

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seat and she was by the front door and I thought, you could go right

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now. I thought, this girl is highly agitated. She was hopping up and

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down like a dog. I thought, if I do not go in that car, they will be

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extremely angry. These bizarre photos were taken at the time.

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Dennehy flashes her bra, revealing self harming scars and eight `` and

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a disturbing state of mind. Was he under her control? You could say

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that. He did what he was asked. He did not do it with free will. She

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was not holding a knife to him or anything. He wanted to please her.

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By 3:30pm, they were in Hereford. More CCTV pictures showed Dennehy

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and Mark Lloyd buying tobacco. She sticks close to him in the shop.

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Walked into the shop, I am thinking, she is going to mug the girl behind

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the till. She asked her to turn around. I thought, OK, got through

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that one. I got back in the car. I had to convince these two I was on

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their sides. He was right to be scared. The retired local fireman

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Robin Bereza had been walking his dog when Gary Stretch spotted him.

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The 68`year`old was no maps `` match for Dennehy. I saw the man walking

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with the dog. Gary slammed the brakes on. 15, 20 stab wounds. I am

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sat in the car thinking, I am screaming blue hell at Gary He hit

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me hard on the shoulder. She got back in the car and kissed Gary on

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the cheek and said, thank you for that. Initial reports to the police

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were sketchy but one crucial detail from the victim. He told us Joanna

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Dennehy had a distinctive tattoos on her cheek. Officers made the

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association between the earlier incidents in Cambridge.

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Superintendent greases officers on the ground about the suspects. A

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trauma doctor is already flying to the scene in the air ambulance. A

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call comes in that there had been another one. To get multiple

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casualties over a very short period of time, the anxiety was very much

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that this would turn into what we call a marauding event where someone

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is going out repeatedly attacking more and more people. It starts to

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overwhelm the services available. The two attacks 19 minutes and a few

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streets apart. 56`year`old John Rogers had been walking his dog and

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fitted the profile Dennehy wanted. Gary said, he will do. Gary parked

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up by a bus stop. The bloke had his back to her. I felt what I thought

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was a really heavy punch in the small of my back. When I turned

:16:27.:16:33.

around, I saw this woman and she just kept stabbing me in the chest.

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This man tried fighting back but it was a frenzy. Could you hear what

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she was saying? She was saying, more, more. She also said, look,

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you're bleeding. I had better do some more. I think I said, just

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leave me alone, please. Lees, leave me alone. She didn't. She carried

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on. `` please. Superintendent Powell had everyone on the ground they

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could muster. She casually went for a walk with John Rogers's job giving

:17:16.:17:22.

Mark Lloyd and Gary Stretch the chance to bailout. And police found

:17:23.:17:26.

her sitting alone in the car. She was arrested without a struggle.

:17:27.:17:31.

Mark Lloyd was arrested soon after. She was arrested and taken into

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custody with me. The last thing are member was she broke into a tap

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dance and was singing Singing in the Rain. That was the last I saw of

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her. At 5:45pm, Gary Stretch gave himself up to and officers in

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Almeley village. The rampage was over half an hour after it began. It

:17:55.:18:03.

was several days before John Rogers and Robin Bereza were out of danger.

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It has changed my outlook a little bit. I think you have got to make

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everything of everyday because you do not know. You could wake up in

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the morning and get run down by a bus. You do not know what is around

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the corner. I tried to make the best of everyday. Considering their

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horrific injuries, both men have made a remarkable recovery. Mark

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Lloyd still has nightmares about the serial killer. I do not sleep that

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night anymore. I am just glad she was guilty. I did not want to see

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her in court. `` I was just glad she pled guilty. She has since been

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diagnosed with a psychotic personality disorder and admitted

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the three Peterborough murderers and the Hereford stabbing spree. Gary

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Stretch denied being her willing accomplice but the jury found him

:19:04.:19:13.

guilty of attempted murder. As people get older, many are

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choosing to simplify their lives and move into a retirement home

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especially for the over 55s. We were contacted by viewers from

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Northamptonshire who inherited a property which turned into an

:19:25.:19:31.

expensive liability. Many people reach a time in life

:19:32.:19:36.

when they want to move to a smaller home. Retirement homes are sold as

:19:37.:19:40.

being the perfect place to live for older people. You have to be over 55

:19:41.:19:45.

and there are no worries about maintenance or looking after the

:19:46.:19:49.

garden. But these services come at a price. When the time comes to Selby

:19:50.:19:54.

home, some people are finding themselves tens of thousands of

:19:55.:20:00.

pounds out of pocket `` Selby home. Ann and Mike Johnson live in

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Apethorpe. Two years ago, and's mother died and left a property to

:20:08.:20:14.

them. They expected to sell it for ?125,000 but despite dropping the

:20:15.:20:19.

price by ?30,000 it has not sold. They are paying ?3000 a year in fees

:20:20.:20:24.

`` they dropped the price by ?13,000. I thought it would come to

:20:25.:20:31.

us and it would sell and then we had some money to enjoy from it. When

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you came to sell it, what obstacles did you face? It was just at a time

:20:36.:20:40.

when the property market was beginning to drop and everybody was

:20:41.:20:48.

having problems selling. But if you add that to the fact it was only

:20:49.:20:53.

over 55s, and it was leasehold, then it was not necessarily the most

:20:54.:21:00.

popular thing to buy. Like most retirement properties, their

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bungalow was leasehold. That means that someone else usually the

:21:05.:21:08.

developer owns the land and can charge the annual rent and

:21:09.:21:11.

maintenance. The property is on a fixed term lease. It has not been a

:21:12.:21:20.

problem to deal with. Apart from haemorrhaging money. That was the

:21:21.:21:23.

problem, really. There was ground rent, maintenance and council tax.

:21:24.:21:31.

Altogether, probably came to about ?3000 a year. Changes designed to

:21:32.:21:37.

bring empty homes back into use have caught out people in Ann and Mike

:21:38.:21:42.

Johnson's situation. The government has changed the rules allowing

:21:43.:21:46.

councils to charge a higher council tax when a home has been empty for

:21:47.:21:53.

two years. Ann and Mike Johnson are faced with an annual council tax

:21:54.:22:00.

bill for ?1800 for an empty house they cannot sell. It is like a

:22:01.:22:03.

sledgehammer to crack a nut. They have a policy that they do not want

:22:04.:22:08.

them to policies. Fine, no problem with that. But if you have a

:22:09.:22:11.

property which is very difficult to sell, you are stuck with paying

:22:12.:22:18.

council tax forever, really, if you cannot sell it. Man `` Glenda

:22:19.:22:29.

Kerruish's mother died six years ago and the house has been on the market

:22:30.:22:36.

ever since. The view is stunning. She had been widowed for a very long

:22:37.:22:41.

time and moving to a retirement home or within the grounds of a

:22:42.:22:45.

retirement home seemed like a good thing to do. We pay out probably

:22:46.:22:54.

?5,000 a year. That is on maintenance charges, council tax. It

:22:55.:23:00.

has been six years. That is over ?30,000. I cannot keep doing it. It

:23:01.:23:07.

has been extremely stressful and emotional, particularly for my wife.

:23:08.:23:11.

After her mother died, the last thing you want is for something like

:23:12.:23:17.

this to happen. We really thought, it is such a lovely house, we really

:23:18.:23:21.

thought it would move very quickly. It hasn't. It was originally on the

:23:22.:23:29.

market further ?400,000. They dropped the price to ?250,000 last

:23:30.:23:33.

autumn. They are still waiting to sell it. It is very emotional, every

:23:34.:23:41.

time we passed by or every time I have to go over there. It makes me

:23:42.:23:49.

very, very sad. Our these people unlucky? According to official

:23:50.:23:55.

figures, prices have gone up. In the retired housing market though,

:23:56.:24:04.

prices have gone down. The biggest challenge is the fact it is the 55

:24:05.:24:09.

and overs market. You are ruling out a big sector of the market. You are

:24:10.:24:15.

only going at a small age group. Recently, bedroom retirement flats

:24:16.:24:20.

we have sold in and around Stanford at around ?85,000 were purchased new

:24:21.:24:24.

at around 110,000. That would probably be about six years ago.

:24:25.:24:29.

Slightly larger two`bedroom ones in the same development are now selling

:24:30.:24:34.

at around 95 to 100. Probably would have been purchased new for about

:24:35.:24:41.

125. Age UK offer advice about retirement housing and suggest that

:24:42.:24:45.

people take time and advice to understand what they are buying.

:24:46.:24:50.

Before making a decision that is. It is so important you look at the

:24:51.:24:53.

least because it is very hard to extract yourself from the lease once

:24:54.:24:57.

you have signed up to it. But it is white is really important anyone

:24:58.:25:00.

thinking about buying a retirement property and looking ahead and

:25:01.:25:02.

thinking about their family inheriting the property, they need

:25:03.:25:06.

to look at all of the clauses that might affect it the tee their

:25:07.:25:13.

ability to pass on the property or sell it. Is there a better way to do

:25:14.:25:18.

it? In America, they have the commonhold system. That means people

:25:19.:25:25.

own a share of the freehold so you do not have a lease. The lease

:25:26.:25:29.

system is something very unique to this country. If you have a lease,

:25:30.:25:34.

it has a diminishing value. If you have collective ownership of the

:25:35.:25:38.

freehold, it puts you in a much better position, particularly in

:25:39.:25:41.

terms of having control over managing agents. I think in this

:25:42.:25:46.

country there are so many vested interests in keeping it as it is, it

:25:47.:25:50.

is very difficult to have the system but it is very popular in the States

:25:51.:25:55.

and in Europe. It is a shame we do not have a similar system here

:25:56.:25:58.

because it would overcome a lot of these problems. We contacted the

:25:59.:26:01.

managing companies for both properties. The managers of the

:26:02.:26:06.

property of Glenda Kerruish at Belton House did not respond. But

:26:07.:26:09.

just a health care who manage Ann and Mike Johnson's Robidoux said...

:26:10.:26:14.

These are not investment opportunities. It is the duty of the

:26:15.:26:20.

solicitor to make any potential buyer aware of the terms of the

:26:21.:26:27.

lease. The government suggested that empty properties for sale would be

:26:28.:26:30.

exempt from the extra council tax but councils did not agree. Rutland

:26:31.:26:35.

council said... The council charge less than the maximum and the level

:26:36.:26:39.

of charges determined partly by the adverse impact that empty homes can

:26:40.:26:45.

have on communities. Meanwhile, the property market may be picking up.

:26:46.:26:51.

In the last two or three months, the general property market has picked

:26:52.:26:55.

up quite a lot. Both here and in other areas. Suddenly, we have found

:26:56.:27:02.

people saying, I want to buy this. The majority of our retirement

:27:03.:27:07.

properties have been sold. Ann and Mike Johnson have found a temporary

:27:08.:27:10.

solution for their property. We have managed to rent it out and the

:27:11.:27:14.

income from the rent will more than cover our costs and we will have a

:27:15.:27:21.

little bit extra to save up so that next time we want to sell it we will

:27:22.:27:26.

have something behind us so that if it takes a while to sell, we will

:27:27.:27:31.

not have to worry so much. Is it a good idea to buy these retirement

:27:32.:27:35.

homes? The experience we have had is that my mother`in`law absolutely

:27:36.:27:39.

loved being there and there was never a question at the time when

:27:40.:27:44.

she lived there of their being a possible problem later. It never

:27:45.:27:48.

crossed our minds. Knowing what we know now, I think our advice would

:27:49.:27:53.

be quite clearly think very carefully about buying a property

:27:54.:27:57.

such as this with the restrictions at the age restrictions, as they

:27:58.:28:02.

are. Don't buy it unless you are happy that you can finance it being

:28:03.:28:13.

empty for many years before selling. That is it from us. I hope you have

:28:14.:28:20.

enjoyed the programme. You can always send me a treat on Twitter or

:28:21.:28:28.

e`mail me `` send me a tweet. I will see you next week. Next week, I will

:28:29.:28:35.

be joining a new kind of flying Doctor above Cambridgeshire and

:28:36.:28:37.

finding out how they are already saving lives. If they did not act as

:28:38.:28:42.

fast as they did, I would not be here right now. Dying of ignorance,

:28:43.:28:48.

why our young people are once again at risk from AIDS. And we will be

:28:49.:28:56.

Hello, I'm Sam Naz with your 90 Norfolk's chalk reef.

:28:57.:29:04.

Hello, I'm Sam Naz with your 90 second update.

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currency. Full story at Ten. Ten million pounds is being promised

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by the PM to help small business hit by recent storms. Severe flood

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warnings on the Thames have been downgraded, but experts say water

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levels could rise again. A co-pilot from Ethiopian Airlines

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has hijacked his own plane. He took control when the other pilot went to

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the toilet. He asked for asylum after landing in Switzerland.

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He's set to become Italy's youngest-ever prime minister.

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39-year-old Matteo Renzi is promising many

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