:00:00. > :00:08.Here's what's coming up on tonight's show.
:00:09. > :00:15.We go undercover to expose the scam that's costing its victims millions.
:00:16. > :00:19.There are numerous people who have said to me that they sometimes feel
:00:20. > :00:24.that the only way out of this misery is suicide.
:00:25. > :00:27.Why are so many others saying no to pensions?
:00:28. > :00:40.The first thing we've got to do is get millions of people
:00:41. > :00:42.into a pension at all, starting with young people.
:00:43. > :00:45.Why London is a pensioners' paradise.
:00:46. > :00:49.Older people are relaxed, they have learned to deal whth
:00:50. > :00:53.London, they can afford London, they like the pace.
:00:54. > :01:09.We're all being encouraged to save for our retirement ? something
:01:10. > :01:15.But have you ever been tempted to cash your pension in early?
:01:16. > :01:19.So`called pension liberation companies target people with
:01:20. > :01:22.tempting cash offers to reldase their funds early
:01:23. > :01:28.but don't mention the huge tax implications if you're under 55
:01:29. > :01:30.Tonight, Andy Akinwolere goes undercover to
:01:31. > :01:40.When we take out a pension, it's all about securing our future.
:01:41. > :01:50.But what happens if I want to cash mine in before I'm 55?
:01:51. > :01:54.Well, according to some companies, age is no barrier ? sounds
:01:55. > :02:01.In fact, that's what they c`ll it ? pension liberation.
:02:02. > :02:04.When Geoff from South West London needed to free up some cash,
:02:05. > :02:08.one scheme seemed particularly attractive.
:02:09. > :02:12.You're using your own money from all your pension plans into one pot
:02:13. > :02:17.so what could be better than using your own money to pay off a lot
:02:18. > :02:22.of outstanding debts without having to pay it back and no tax issues?
:02:23. > :02:27.The scheme freed up ?21,000 in cash but Geoff's relief was shortlived.
:02:28. > :02:31.First, the pensions' regulator, and then the High Court, ruled he'd
:02:32. > :02:33.taken what's called an unauthorised payment.
:02:34. > :02:36.Everything's now changed ? they want the money back
:02:37. > :02:43.The great thing about a pension is it's tax effichent
:02:44. > :02:47.In other words we get tax rdlief on it to encourage us to save
:02:48. > :02:55.And if you try to cash yours in before you're 55, cutting those
:02:56. > :03:01.You'll have to pay up to 70% of what you get back in tax.
:03:02. > :03:13.You actually cannot take anxthing from your pension until age 55.
:03:14. > :03:25.Now he might have to pay back the taxman thousands of pounds.
:03:26. > :03:38.Many of the people here had joined the same scheme.
:03:39. > :03:41.Some ? as they've told me ` face financial ruin.
:03:42. > :03:44.It's why they've formed this support group.
:03:45. > :03:47.The people who were selling these schemes were very, very crafty,
:03:48. > :03:50.very clever, very slick, very convincing and they believed
:03:51. > :03:56.What's the emotional impact been?
:03:57. > :04:04.There are numerous people who have said to me that the only wax they
:04:05. > :04:08.feel out of this misery is to commit suicide because there's no dscape.
:04:09. > :04:11.For those of us stuck in a financial hole, freeing up
:04:12. > :04:14.our pension pot might seem like the light at the end of the tunnel.
:04:15. > :04:17.But the people I've met so far say they were kept
:04:18. > :04:21.That's why I'm doing my own research.
:04:22. > :04:24.I want to find out if companies are really telling
:04:25. > :04:30.I can cash my pension in early and not pay tax.
:04:31. > :04:35.So we start with the initial pension ` ?37,600.
:04:36. > :04:39.This company is going to take away a certain amount in fees.
:04:40. > :04:46.What you're going to be left with is ?25,000 or 68% of your pension.
:04:47. > :04:51.What it doesn't tell you is that HMRC are going to take
:04:52. > :04:57.a further 55%, which leaves you with about 10%!
:04:58. > :05:03.But are companies setting out to mislead or just being short
:05:04. > :05:08.I'm hoping a few calls will help me to find out.
:05:09. > :05:11.We've chosen a selection of companies at random and H've
:05:12. > :05:13.asked pensions expert Richard Jacobs to listen in.
:05:14. > :05:18.I'm pretending I'm 48 so if I did cash in my pension, there
:05:19. > :05:23.You can't get money out of your pension before the `ge
:05:24. > :05:28.So the first company knows the rules.
:05:29. > :05:33.OK, so you never know. Maybe I won't be misled.
:05:34. > :05:35.Operation Scorpion might have something to do with that.
:05:36. > :05:39.It's what the police and pensions regulator are calling
:05:40. > :05:41.their crackdown on pension liberation companies.
:05:42. > :05:44.Since being set up, it's investigated a sector worth almost
:05:45. > :05:55.I want to know what Richard thinks of them.
:05:56. > :05:58.I'd just like you to listen to it and pick
:05:59. > :06:08.We've made clear I'm under 45 but need cash ? and fast.
:06:09. > :06:11.The money is generated at 20% of the valte of
:06:12. > :06:15.your transfer and those monies are paid back to
:06:16. > :06:21.Effectively you switch your pension fund and you will receive 20%
:06:22. > :06:30.already you're licking your lips at this. What are we hearing there?
:06:31. > :06:37.A scam. Whoever that business is, if money is coming out it's got to
:06:38. > :06:43.come from somewhere. There's no money magicked from somewhere.
:06:44. > :06:46.But that is pension liberation whatever name they put on it.
:06:47. > :06:50.But he knows I'm under 55 so I'll have to pay tax, right?
:06:51. > :06:54.No, because the money's not coming out of the pension ftnd.
:06:55. > :06:58.No tax liabilities to take your pension out early.
:06:59. > :07:05.In that case, he's going to lose his penshon.
:07:06. > :07:21.In fact, of the nine companies we contacted online and on the phone,
:07:22. > :07:27.That's left me feeling as miserable as the weather. So what's the
:07:28. > :07:33.We've raised awareness with the police, with providers.
:07:34. > :07:36.The important thing now is to raise awareness with consumers.
:07:37. > :07:40.I think it would be a zero sum game if we or any other agency
:07:41. > :07:45.What we need to get to consumers is if anyone comes to you
:07:46. > :07:49.and offers you access to your pension scheme before 55,
:07:50. > :07:59.Yeah, and don't the victims and their advisors know it!
:08:00. > :08:02.So I'm playing them something they need to hear.
:08:03. > :08:07.The money's generated at 20% of the value of your transfer
:08:08. > :08:11.and those moneies are paid back to you through another channel.
:08:12. > :08:16.It's the same spiel over and over again. I'm horrifidd that
:08:17. > :08:27.It's just shocking and the poor consumer doesn't know, is suffering.
:08:28. > :08:30.I just couldn't believe what I was listening to there.
:08:31. > :08:35.But if people are still being mhsled,
:08:36. > :08:41.I'm hoping Ruth Owen can answer that question.
:08:42. > :08:45.She's Revenue and Customs director general of personal tax.
:08:46. > :08:47.There are some innocent people being stung here left, right
:08:48. > :08:50.and centre. Are you trying to tell me then that people are acttally
:08:51. > :08:55.to have to pay this money b`ck even if they didn't know about it
:08:56. > :08:59.So if there was a tax due, HMRC has to apply it, that's the way the
:09:00. > :09:03.rules of the tax system work so yes, if you have accessed money from
:09:04. > :09:08.pension pot that breaks the tax rules then we do have to charge you
:09:09. > :09:10.the tax because you got a tax relief you
:09:11. > :09:12.weren't actually eligible to receive so you will be charged.
:09:13. > :09:14.What's there to protect consumers? What's there to protect
:09:15. > :09:20.Yeah, and I recognise that. I've seen many cases myself where really
:09:21. > :09:23.tragic circumstances where people have been misled and have lost
:09:24. > :09:28.I do really feel for the people who are involved. Some are real innocent
:09:29. > :09:33.victims in these situations but, from a tax point of view, wd have to
:09:34. > :09:38.the rule equally and fairly and if you have chosen to take your pension
:09:39. > :09:43.out of the safety of the retirement pension pot, tax will apply.
:09:44. > :09:47.A lesson the victims are learning the hard way.
:09:48. > :09:50.You're not sleeping and just giving everyone else
:09:51. > :09:58.a lot of grief at work and at home and it's tearing us apart.
:09:59. > :10:00.Operation Scorpion is helping
:10:01. > :10:03.to raise awareness but as otr evidence shows...
:10:04. > :10:07.There's no tax liabilities whatsoever.
:10:08. > :10:18...new victims are still getting stung.
:10:19. > :10:21.If you've got pension worries then head to our website
:10:22. > :10:29.and don't worry if you've missed that, I'll give it to you
:10:30. > :10:33.Now then, still to come on tonight's show.
:10:34. > :10:36.As one gets older, one's brain needs a good stimulus. We love
:10:37. > :10:41.music, we love art, we love the culture. We've got it here on our
:10:42. > :10:49.An exclusive survey for Inshde Out has found that nearly half
:10:50. > :10:53.of all British adults do not have a pension.
:10:54. > :10:57.This, in spite of the government introducing new workplace pdnsions
:10:58. > :11:02.last year that have already been taken up by 4.4 million people.
:11:03. > :11:05.Research by the polling company ComRes suggests
:11:06. > :11:13.39% say they just can't afford to invest in a pension right now.
:11:14. > :11:17.28% say they are too young to think about pensions.
:11:18. > :11:21.A similar number ` 27% ` say they just haven't got round to it.
:11:22. > :11:25.And 21% say they're investing their money elsewhere,
:11:26. > :11:31.So what will all this mean for people's retirement plans?
:11:32. > :11:35.Well, we sent our reporter John Cuthill on a pensioners' day out
:11:36. > :11:48.Previous generations retired at 60,
:11:49. > :11:53.got on with the gardening and were grateful for a free bus pass.
:11:54. > :11:57.But, with life expectancy continuing to rise, even if we retire later,
:11:58. > :12:02.These days, most of Britain's workers don't have
:12:03. > :12:06.a pension sorted, which could leave us relying entirely on the state.
:12:07. > :12:11.Or, like our 65`year`old bus and its 70`year`old driver Mervyn,
:12:12. > :12:15.I enjoy it and I'm a part of the business.
:12:16. > :12:18.It's a nice job. You meet nice people.
:12:19. > :12:27.I did invest into a pension but it went down the pan so...
:12:28. > :12:33.And where better to meet th`n the Pensioners Pub?
:12:34. > :12:38.Half of our passengers on our 1949 Bedford bus are retired.
:12:39. > :12:41.The other half are pension refuseniks ? a handful of Britain's
:12:42. > :12:46.13 million company employees who don't have a private pension.
:12:47. > :12:49.The government's rolling out a scheme to try to put that right.
:12:50. > :12:51.All aboard the pension special. Are we ready?
:12:52. > :12:55.Auto enrolment makes it a legal requirement for companies to
:12:56. > :13:01.But if you earn less than ?10,000 you won't qualify.
:13:02. > :13:05.And anyone self`employed will have to sort themselves out.
:13:06. > :13:22.Putting money aside just isn't feasible at the moment.
:13:23. > :13:25.I'm Adam, I'm 27 and I'm senior colour technhcian.
:13:26. > :13:34.I get paid ?500 a month with my training, so absolutely no money.
:13:35. > :13:48.I'm still doing my studying so it's not beneficial to md to pay
:13:49. > :14:02.Hilda's celebrating her 100th birthday today.
:14:03. > :14:06.These days, you're 44 times more likely to do the same than 60 years
:14:07. > :14:09.ago, which has prompted the government to make the most sweeping
:14:10. > :14:17.Time to make room on the bus for Minister of State for Pensions,
:14:18. > :14:21.Steve Webb, the man responshble for the radical reforms.
:14:22. > :14:24.The first thing we've got to do is get millions of people
:14:25. > :14:27.Particularly starting with xoung people, then we've got to build
:14:28. > :14:35.8% of your salary probably isn't going to provide enough.
:14:36. > :14:41.Once you get a pension you `re going to be nailed by charges.
:14:42. > :14:45.In the past, too many people have been ripped off, frankly.
:14:46. > :14:48.These new workplace pensions will be different because we are gohng to
:14:49. > :14:51.cap the charges so from next April more than 99p in the pound you put
:14:52. > :14:55.it into a pension will go into the pension and not charges so they will
:14:56. > :14:57.be the best value pensions, particularly because your firm is
:14:58. > :15:05.One of the best things you can invest in.
:15:06. > :15:10.the best things you can invdst in. With a captive audience, Steve
:15:11. > :15:13.the best things you can invest in. With a captive audience, Stdve Webb
:15:14. > :15:19.cannot resist the opportunity to nudge the pension message. H am
:15:20. > :15:23.self`employed, I do weddings and things like that. I don't exhibit
:15:24. > :15:29.and you get from a pension will be valid. Mark Larter is 39, and
:15:30. > :15:34.instead of a pension he has opted for a buy to let. My property is
:15:35. > :15:37.going to rent out to students, Southampton has a very high student
:15:38. > :15:41.population. It is right in the centre of town so it is a wicked
:15:42. > :15:45.location and it is always going to rent. From listening to people, I
:15:46. > :15:51.can understand why people would want to do things in addition to pensions
:15:52. > :15:54.but they should consider pensions is one of their options. If people
:15:55. > :15:56.think it is too hard, there is always something that will make it
:15:57. > :16:00.always something that will lake it easier for them, if they work for an
:16:01. > :16:02.employer, they will contribute into the scheme. Do not just relx on what
:16:03. > :16:11.the scheme. Do not just rely on what sort of income in retirement, just
:16:12. > :16:15.on property, for instance. Things are different on the retired
:16:16. > :16:18.side of the bus where some have the sort of gold`plated final s`lary
:16:19. > :16:25.schemes that anyone who is signing up to a pension now will probably
:16:26. > :16:29.never get. I don't see myself as being in any way privileged. I see
:16:30. > :16:31.myself as having worked in public service for a relatively reasonable
:16:32. > :16:36.service for a relatively re`sonable salary, but the attraction of it was
:16:37. > :16:39.always the reasonable pension at the end of the day. Pension, pretty
:16:40. > :16:40.end of the day. Pension, prdtty good, really, because it is
:16:41. > :16:42.index`linked and I know from good, really, because it is
:16:43. > :16:42.index`linked and I know frol year good, really, because it is
:16:43. > :16:49.index`linked and I know from year to index`linked and I know frol year to
:16:50. > :16:53.year what it is I'm going to get. I am one of the lucky ones, I ended up
:16:54. > :16:57.with a final salary scheme, I had been with the same company for 0
:16:58. > :17:06.years and we were rewarded for that loyalty with a darn decent pension.
:17:07. > :17:08.Joan is 93 and has been retired loyalty with a darn decent pension.
:17:09. > :17:13.Joan is 93 and has been retired for 30 years. She thinks there has been
:17:14. > :17:14.a cultural shift between spending now and putting money away for
:17:15. > :17:17.later. I don't think nowadays now and putting money away for
:17:18. > :17:22.later. I don't think nowadaxs people later. I don't think nowadays people
:17:23. > :17:28.know how to say. Young people. Because they have never had to say.
:17:29. > :17:33.It is a throwaway society. They have never had to make do and mend like
:17:34. > :17:34.we had to. As the pensions special roles on the promenade, timd
:17:35. > :17:34.we had to. As the pensions special roles on the promenade, time to
:17:35. > :17:34.we had to. As the pensions special roles on the promenade, timd to some
:17:35. > :17:37.roles on the promenade, time to some words of warning to those of us who
:17:38. > :17:41.might still have our heads hn the might still have our heads in the
:17:42. > :17:44.sand. The majority of workers do not have pension savings. So anxone on
:17:45. > :17:48.that side of the bus, you're not that side of the bus, you'rd not
:17:49. > :17:55.alone, there are lots of people like you out there. However, the main
:17:56. > :18:00.message has to be, if you do not save for your later life, what are
:18:01. > :18:01.you going to live on? The state pension, certainly for those who are
:18:02. > :18:05.pension, certainly for thosd who are relatively young now, is changing
:18:06. > :18:07.relatively young now, is ch`nging dramatically. And from 2016 onwards,
:18:08. > :18:11.younger people will know th`t dramatically. And from 2016 onwards,
:18:12. > :18:13.younger people will know that when they get to retirement, the state
:18:14. > :18:19.pension is going to be around ?20 pension is going to be around ?20
:18:20. > :18:22.per day. If you think you would be happy living on ?20 per day for the
:18:23. > :18:25.rest of your life when you have reached retirement, fine, don't do
:18:26. > :18:29.anything. But if you think xou might anything. But if you think you might
:18:30. > :18:36.want more than ?20 a day to have a decent lifestyle, then unless you do
:18:37. > :18:41.some saving now, you won't have any money coming in from that pdnsion
:18:42. > :18:46.later. So it is all about bding prepared. Or is it? I was planning
:18:47. > :18:52.to start sorting out my penchant at the age of around 40, which after
:18:53. > :18:56.today, is far too late. I h`ve realised that. Business is going
:18:57. > :19:00.good, property is going well so I am happy with how things are going One
:19:01. > :19:03.thing is the certain, when it comes thing is the certain, when ht comes
:19:04. > :19:05.to keeping our heads above water when we retire, we are all going to
:19:06. > :19:09.have to plan ahead. I am glad I when we retire, we are all going to
:19:10. > :19:12.have to plan ahead. I am gl`d I did not bring my swimmers!
:19:13. > :19:15.And if you want more details on our pensions survey head towards
:19:16. > :19:22.When we think about retiremdnt, many of us probably imagine settling
:19:23. > :19:26.down in a nice sleepy village or seaside town to enjoy some
:19:27. > :19:30.But not all of us because there's a new breed
:19:31. > :19:34.of pensioner who reckon that the capital is the best place to grow
:19:35. > :19:49.How many of us can honestly say that however much we love London,
:19:50. > :19:52.on a stifling Monday night struggling to get home from work we
:19:53. > :20:00.Waking up to a sea view far from the crowded city.
:20:01. > :20:02.If you've got savings or own your own London property,
:20:03. > :20:07.retirement has in the past given you the chance to do just that.
:20:08. > :20:10.Escape from the hustle and bustle of the city to a place
:20:11. > :20:18.But it seems times have changed for some of London's pensioners.
:20:19. > :20:22.They desire the hustle and bustle and this big old city has
:20:23. > :20:35.Steve Pratt worked all his life as a Mercedes Benz mechanic
:20:36. > :20:38.and has recently retired, and he loves fishing.
:20:39. > :20:42.So in the past he would have been a prime candidate for a cottage
:20:43. > :20:45.by a stream or a bungalow by the sea, but he spends his retirement
:20:46. > :20:51.out and about soaking up all the joys the big city can offer.
:20:52. > :20:54.The transport system is absolutely fantastic.
:20:55. > :20:59.You've only got to wait two or three minutes and a bus comes along.
:21:00. > :21:06.And the best thing I got was an Oystercard 60.
:21:07. > :21:10.If you live in a London borough, you get a ?10 card
:21:11. > :21:17.and you go anywhere, underground, national rail, overground.
:21:18. > :21:20.You can go all over, I've lived here all my life and I've
:21:21. > :21:31.I'm interested in crime and things like that.
:21:32. > :21:33.I saw a programme the other day about Ruth Ellis,
:21:34. > :21:40.I went and saw where she shot that David Blakely, her lovdr.
:21:41. > :21:44.I go up to the Old Bailey, sit in on a case there.
:21:45. > :21:49.There's so much here, I'm up and down most days of the week.
:21:50. > :21:55.Since he retired, Steve now uses his very own living theatre the way
:21:56. > :21:59.a tourist might, and according to feedback from a recent survdy by
:22:00. > :22:03.Britain Thinks, an organisation that shows policy makers and govdrnment
:22:04. > :22:06.think tanks what the latest trends are, he is just
:22:07. > :22:10.one of many pensioners who are now happy to retire in London.
:22:11. > :22:13.People think of London as a young city but one
:22:14. > :22:16.of the things we found, and there's an irony here, is that the people
:22:17. > :22:20.that London works best for hs actually not young people at all.
:22:21. > :22:24.The people that London seems to work best for is actually older people.
:22:25. > :22:27.And what we found increasingly is that we had a group
:22:28. > :22:30.of unhappy young people living in London, none of them can afford
:22:31. > :22:34.anywhere to live there, all looking for jobs, it's very competitive.
:22:35. > :22:37.Whether you've got a degree from Oxford or a school leaver.
:22:38. > :22:40.To the point where older people are moving into London
:22:41. > :22:44.while younger people are thhnking, I'm going to be moving out of here.
:22:45. > :22:49.Often they've got property which means that they don't have to
:22:50. > :22:53.They like the atmosphere, they like its diversity, they like
:22:54. > :22:57.what it has to offer culturally, they like everything about ht.
:22:58. > :23:00.There's just so much to see I can visit,
:23:01. > :23:08.There are these terrific guhded walks which only cost ?9 I think.
:23:09. > :23:10.When I was growing up, it was the Beatles.
:23:11. > :23:13.I went on the Beatles walk round Abbey Road, I'd never been there
:23:14. > :23:20.Obviously there are the big sites we all know in London, but there's
:23:21. > :23:31.I like to go there and sample it for myself.
:23:32. > :23:34.So some Londoners are more than happy to never leave the big city,
:23:35. > :23:37.but what about the others who alreadx left to
:23:38. > :23:45.Here in beautiful north Devon, one man wants to sell this gorgeous
:23:46. > :23:55.I retired a few years ago and moved down here.
:23:56. > :24:02.Mark wants to return back to the city because having worked all
:24:03. > :24:06.his life like many retirees, he wants to do voluntary work.
:24:07. > :24:09.And it's not the kind suited to sleepy Ddvon
:24:10. > :24:19.My particular addiction is `lcohol and I have been sober for 27 years.
:24:20. > :24:23.Since I retired I have thrown myself into doing volunteer work for people
:24:24. > :24:30.who suffer from addiction issues and I find that the lack of accdptance
:24:31. > :24:36.of that down here to be quite different to that it is in London.
:24:37. > :24:39.There's 600 people or so in this village and I sneeze
:24:40. > :24:43.and everybody knows and if anybody else sneezes I know about it, and
:24:44. > :24:47.that's lovely, there's a sense of community that I won't experience.
:24:48. > :24:51.But the big city and its anonymity where everybody doesn't know
:24:52. > :24:58.their own neighbours I think creates a freedom for people who might meet
:24:59. > :25:02.disapproval, more from a lack of education and understandhng.
:25:03. > :25:04.One of the things that's really interesting
:25:05. > :25:07.about London, and it's parthcularly true again of older people,
:25:08. > :25:11.is the feeling that you can be whatever you want to be in London.
:25:12. > :25:15.And that people aren't going to judge you in the same wax.
:25:16. > :25:18.Anybody's acceptable, whatever you are, however different
:25:19. > :25:30.Returning home to be embracdd in the capital is one thing,
:25:31. > :25:33.but what about if you've lived most your life in the countryside?
:25:34. > :25:36.Surely the concrete urbanisl of the Barbican would frighten
:25:37. > :25:41.Well, not one retired couple from Suffolk.
:25:42. > :25:48.We bought a very nice house in Ipswich on the Shortly peninsula.
:25:49. > :25:53.I was still working so we brought a one bedroom flat in the B`rbican.
:25:54. > :25:56.We had a period when we had this flat in London and we had
:25:57. > :26:00.a very nice house with a lovely garden in Suffolk, but our intention
:26:01. > :26:05.is that as we get older the Barbican is going to be where we are going
:26:06. > :26:14.Where we are in the Barbican, if you put a line round
:26:15. > :26:19.a 40 minute walk, you can cover most places that you want to go.
:26:20. > :26:22.One tends to walk much more extensively in London.
:26:23. > :26:26.You go up and down escalators if you're using London underground.
:26:27. > :26:30.In the country one is very much more car borne,
:26:31. > :26:38.and I think if you're activd in this way, this is good for your health.
:26:39. > :26:43.As one gets older, one's br`in needs a good stimulus in order to avoid
:26:44. > :26:47.some of these rather nasty conditions that one seems to get
:26:48. > :26:50.in old age, and I think living in the country, no matter how
:26:51. > :26:54.attractive it is, one doesn't get that level of stimulation.
:26:55. > :26:58.We love music, we love art, we love the culture,
:26:59. > :27:05.So it seems that London has a whole new set of modern day Samuel
:27:06. > :27:14.Why sir, you will find no m`n at all intellectual who is willing
:27:15. > :27:20.When a man is tired of London, he is tired of life, for thdre is
:27:21. > :27:33.I wonder if he was thinking of pensioners when he wrote that.
:27:34. > :27:50.I don't think I'm ready to give up on my dream a little cottagd at
:27:51. > :27:52.We go undercover to expose the gangs organising fake gay
:27:53. > :28:07.I just wanted to have a chat about the Majesty have been arranging
:28:08. > :28:08.People have been prosecuted and convicted of organising sham
:28:09. > :28:13.marriages who have made millions. We discover how eye donations are
:28:14. > :28:17.giving patients a new lease of life. And we join the underwater
:28:18. > :28:33.archaeologists unlocking thd secrets It is probably the most important
:28:34. > :28:35.post`mediaeval shipwreck site in England. It is like the Mary Rose of
:28:36. > :28:37.England. It is like the Marx Rose of the Thames Street.
:28:38. > :28:40.And that's it for this week's Inside Out London.
:28:41. > :28:42.Don't forget, if you missed any of tonight's programme
:28:43. > :28:45.and want to catch up on iPlayer, or you want some more info on pensions,
:28:46. > :29:02.Thanks very much for watching, I'll see you again next week.
:29:03. > :29:05.Hello, I'm Ellie Crisell with your 90 second update.
:29:06. > :29:07.There's no return if you decide to leave the TK.
:29:08. > :29:10.David Cameron's message to Scotland ahead of this week's vote over
:29:11. > :29:14.The Yes campaign's Alex Salmond has branded claims that prices
:29:15. > :29:20.Two British tourists have bden murdered on a beach in Thailand.
:29:21. > :29:24.Police said 24`year`old David Miller and Hannah Witheridge, who's 23
:29:25. > :29:30.He's the child cancer specialist who's admitted abusing young boys
:29:31. > :29:34.Dr Myles Bradbury worked at Addenbrookes in Cambridgd.
:29:35. > :29:37.He pleaded guilty to 25 sexual offences.
:29:38. > :29:49.It's because the company can't afford to keep
:29:50. > :29:52.He began his celebrations at the closing ceremony