29/10/2012 Inside Out North West

I realised what I should have done the weekend Prior, and said to one

of our cinema -- senior managers, that is down to me, nobody else.

And we meet the Stockport mother muscling in on success. It is not

what your average 40 plus a working Went Vicky Derrick when missing in

Manchester his wife was left in limbo. As Parliament debates the

introduction of any presumption of death law, Inside Out investigates

the emotional and financial turmoil for families left behind when a

Last year across a region over 50,000 people were reported missing.

Of those, over 200 failed to return home. The grief for loved ones is

unimaginable. In England and Wales this situation is made worse by a

patchwork of legislation which does little to support those left behind.

Vicky Derrick went missing in 2003 after a night out in Manchester. He

was trying to get to a friend's house and vanished into thin air.

His wife was left distraught and alone. This doesn't seem real to me.

This doesn't happen to you, you never think something like this

will happen to you. I still keep thinking now that I will wake up

one day and it isn't happening. Can we stop? As the weeks turned to

months and months two years, a vicky hat to deal with the

practicalities of life without him. I suddenly overnight hat to figure

out how to pay all these bills the needed paying, the mortgage, going

to work and looking after a two- year-old baby. His name was on the

mortgage. I could not get his name taken off the mortgage without

having a death certificate. So, I was basically stuck in limbo. If it

wasn't for my family then I may have lost this house and because I

would not have kept up the mortgage payments. Peter has had to cope

with similar upheaval after his daughter went missing in 2009 it

near her home in York. She vanished without trace, Peter has face the

reality of coping when a loved one is missing. Within four or five

weeks of her going missing, I realised I could not deal with

anything of her as financially or practically because there is no

means to do it. You cannot deal with mortgages, if the mortgage

comes to the end of a fixed rate you can't do anything other than

let the mortgage company put it on to the standard -- standard rate

and could mean you can't afford to pay it out of either the Missing

person's bank account or your own. Everyone presumes that after seven

years somebody is automatically presumed deceased which when it got

to seven years I then found out it isn't the case. That law doesn't

exist. In this country. When we entered in a contract with the

natural institutions it is a strict legal contract and the bank

undertakes not to talk to anyone about your affairs apart from

yourself. When a family wants to discuss the affairs of a missing

person, the bank ended a organisations are cautious about

doing up. That information is confidential. At the moment, there

are no safeguards so banks will question the intention of the

person who reports the person missing. Nicola Sharpe works for

missing people, their main aim is to support families in the

circumstances and lobby for new laws to help ease the emotional and

financial burden. There are two main issues, to begin with families

might want to look after the Missing person's financial affairs

while they are missing because they hope the person comes back. They

Willett to get something similar to a power of attorney to allow them

to maintain the affairs but other moment nothing exists in law for

the missing person to be able to do that. We are campaigning for

guardianship which would be eight system operated similar to a power

of attorney and the second issue is presumption of death which exists

in Scotland and Northern Ireland and that's a court process which

makes it simple for the family to go to court, to apply to have the

person presumed death in your so they can access a Certificate and

use that to administer the Missing person's affairs. Because of the

work done by the charity and Ann Coffey, a bill be debated in

Parliament this week and is expected to be unopposed meaning it

could become law by the summer of 2013. However, issues over the

guardianship clause means it was not included in the bill. Very

disappointed the government has not responded positively to our request

for some kind of guardianship order. Every year 250,000 people are

reported missing, 2,500 are still missing after a year. Thousands of

families every year face very practical problems of trying to

deal with financial affairs of the missing member. The presumption of

death after seven years does not help these families deal the

immediate problems and we would have liked the government to induce

legislation so they could apply for a guardianship order to deal with

the affairs. Presumption of death will make a very significant

difference and make life easier for people. Guardianship will make a

huge difference to thousands of families each year and that is

cumulative because most people are missing for more than one year.

This over a 1000 missing adults each year, you added up and see how

many will be helped by a simple provision. If I could have got a

presumption of death certificate earlier on, it would have eased the

financial burden. You're not only coping with the emotions and the

stresses that come with the fact he was missing and we did not know why,

it would have made the day-to-day running of things easier. The nine-

year Jenny came to an end in 20th December 11 when the courts

declared her husband deceased, only five weeks later close to where he

went missing, a discovery was made. Forensic tests are ongoing where

human remains were discovered, they were found by workmen near the

flyover. There is speculation they could belong to a father who were

missing eight years ago. It upsets me to think that I had to go

through what I had to go through. And then he was found. Whereas if

this had all been resolved a lot sooner, I would not have had to go

through all of the trauma of going to court and trying to get all of

these things sorted out. I do definitely know it is time now to

move on. I can draw a line under this and start getting my life back

together. And building a nice Still to come: The woman who has a

dream it to lift the body-building title.

The railway viaduct through Stockport is one of its most famous

features. Five years ago, 80 miles north of here in Cumbria the West

Coast main line was at the centre of a major emergency after a Virgin

train plunged down an embankment after travelling through a set of

40 points. Two people were brought together by fate that night. Chris

Jackson discovered their remarkable story.

Today, David Lewis is embarking on a difficult journey, for anyone

else it's a normal trip on a normal train. This is the first time I've

been on a train since the accident. I know it like the back of my hand.

My stomach is turning over now. What happened on this track five

years ago changed his life forever. In February 2007, travelling at

nearly 100 miles an hour, a Virgin train went over a faulty set of

points and plunged down an embankment at Grayrigg. David was

responsible for the safety of the track. The phone rang and it was a

colleague of mine, we have a big problem, a train down the bank. I

walked up to the back of the trade, I looked at the train and I did not

feel too well at that point. I didn't think there would be many

people getting out. Margaret Masson was travelling home to Glasgow that

night. My son phoned me, told me to sit down. He said mum has been

killed. What are you talking about? She was travelling back on the

train and it derailed. She's dead. We stayed there are about half on a

R4 stop over the weekend crash investigators moved onto the site.

They discovered Points failed jail were the cause of the crash, I

should have been investigated a week before. I've realised what I

should have done the weekend Prior, and told one of my managers, that

is down to me, nobody else. Not all week goes by when I do not think,

if only. So staff shortages meant that on the morning of the

inspection, Dave was juggling two jobs. He started his patrol south

of the 40 points. If I had remembered or. Something in play is

to remind me, I would have started cat Lamb brick and covered those

points. But you had to cover the extra

work? Near Spica -- yes, because of the shortage of staff. If not, I

would have noticed something was wrong with the points. Here is the

viaduct. How are you feeling? just about there. That is where the

train went down the bank. haven't seen at that site for five

years. Amazing feeling inside. you need to do that? Go a think I

did, Jess. That is another chapter closed. Dave was suspended from

work while the crash was investigated.

The pressure on him and his family was immense. My marriage broke up,

I sold the house, I was forced out of Network Rail and lost a job and

a good pension. Dave was helping the British Transport Police

investigate the crash. One day he was called back to the station, but

this time the tone of the questioning changed. When you walk

into a custody suite, you think, what is going on here? I was

confronted by a detective that are out not met before, and arrested in

connection with the manslaughter of Margaret Masson. Dave had to fight

back. These files proved crucial to his case. I am really keeping up

the pressure, so that I can say... These are the e-mails that Davies

sent to his bosses highlighting safety issues and budgeting.

else are understand the need to remain been budget, I am at a loss

as to how I can be expected to maintain a safe compliant railway

with these restrictions. Very little happened. It just went into

their bundle. And that amounts to a massive dossier of you raising

concerns. It is a hall here and a little bit's worth of concerns.

inquest has shed some light... Add the in quest into his mother's

death, George met face-to-face with Dave for the first time.

David Lewis, who admitted in tears. I wanted to kill him. He took my

mother's life, I will take his life. David Lewis highlighted safety

I had all my files out looking at everything and going over it all

over and over again. It was my moment to tell my port of the story.

When I heard his evidence, I started putting two and two

together and said, that is not right. He did not deserve that.

Especially when I heard of the e- mails and telephone conversations

and team meetings, and a listened to him. This man was sincere, and

showed remorse. He has my respect. My family will not hold anything

against him. The coroner asked me did I have anything to say? I said,

I respect that man. I would have a drink with him any time.

And it is time for George to make good on his promise.

Are you nervous? Or I have the same feeling I had before I went into my

police interview. A I know it is going to be good, but my body is

just feeling that way. No let us get it over with.

Hello, George. Hello, Dave. How are you doing it? What does it feel

like to see each other again? have been looking forward to it.

is nice to see him with a smile on his face! You made a mistake. Guy I

forgive you for that. You must have upset the applecart some were. I

spoke to your lawyer, and he thanked me for what I said about

you. That gave me a big lift. showed sincerity, remorse, but you

have to live with that same as I have got to live with that. Is it

now closed? A I have got that feeling it now. I think going back

home today will be a much nicer journey, and I think I can close

this book now. He it has been nice to meet him. After everything that

has happened, I have got some closure for what happened. I think

he has also, and I class him as a friend now. This is a script that

nobody would ever dare write. Two families devastated, and this

should be on opposing sides, but they are united in friendship all

because of forgiveness and telling the truth. There is an end to this

story that nobody would ever believe, unless you saw it with

your very own eyes. Well some of us want to get fit,

one woman from Stockport decided to get in shape and went the extra

When Jo Perruzza works out, she means business. You will not catch

her on a running machine or a cross trainer. When it comes to keeping

up with the men, she really pulls her weight.

But she is known not -- ordinary fitness fanatic. Last year she came

third in the UK BNBF body-building championships, and this year she

has her eye is firmly on the title. -- her eyes.

Bulging biceps and rippling triceps are the name of the game, but the

sport is not just for men. To get in this shape takes a lot of hard

work, but the prize is worth it. The winners of this year's UK

finals in Manchester will go to the world finals in Miami next week.

It is her golf to win the title, amazing when you consider that she

is 46 and only took it up last year. It has meant a total change to her

diet and exercise regime. What did you want to do this?

got to a stage where I thought I needed a challenge. I never make a

new year's resolution, I have a things to do list before I die, and

body-building was on that list. And I decided that last year I was

going to give it a try. I didn't expect the transformation that I

had in my physique, or the challenge is I had along the way.

It is not what your average 46- year-old working mother of three

chooses to do! When you are training and dieting and looking

after your family, the diet is the biggest challenge because you need

to find your energy source from somewhere, and usually people do

that from food. So you are managing to eat something now, and this is

your diet sheet. It has an awful lot of eggs, 108 whites in the

morning. You are depleting Europe body of carbohydrates ready for the

evening, when I can have a baked Adeyemi, a piece of steak. To get

to the finals, Joel must qualify at a regional event in Derby. But what

-- Tania George is putting her through her paces. The federation

has to do what is called but he woke, they woke to the centre of

the stage, do some quarter turns, and show their physique from all

sides. You have 90 seconds to show off 12 months of hard work, so we

want to get it right. What is with their heels? It is probably to

accentuate and elongate the lake, and it makes them feel a little bit

more elegant and feminine. We have one month ago, Jo has travelled to

badly to collect her bikini is. It has been made to measure by a

former bodybuilder. She is helping other bodybuilders look their best.

Tracey has made to bikinis for Jo, one for each round. -- two bikinis.

It is the first time Jo has tried on that the finished bikini, so it

is an exciting moment. A what a beautiful bikini! It has to fit

right, because you might have the best figure, but you have to show

your best assets off. A lot of people will wonder what is the

benefits of having a bikini tailor- made for you. It is made to Measure,

everything you want from a bikini. What is the price of something like

that? You are looking, on a bikini that is glitz up, anything from

�200 to �500. If you win in that bikini, will that be a

superstitious thing? The Pekingese are almost ready. How

long do you have look -- the bikini It is Derby Day at the BNBF

qualifiers. If a joke gets through to date, she will go through to the

finals. -- if Jo.

The bodybuilders are glazed with tanning lotion to accentuate their

muscles under the bright light. Unit absolutely amazing, how are

you feeling! Have you been eyeing up the competition? Of course,

quietly. As the goals come on, Joel is looking confident but is up

against stiff competition. It will Come on, ladies...

And it is not just a case of who has the biggest muscles. If for the

women it is a bit more about the shape and tone rather than the

hardness of the muscles. They are not expected to have huge muscle

groups, but the muscles should flow together nicely. And they should

come out at the shoulders and in at the waist. His it is that final

round. All the weeks of training and diet

in come down to the next few minutes. Joel is in amazing shape,

but it all depends on what the judges think.

It is the moment of truth. The tension is unbearable. Joel has

come second, but to the post by another Manchester girl. But both

qualify for the UK finals. A I feel great. I loved it. We got into the

finals and that is what it is important. I have a very big trophy

as well so I am very pleased. will see you in the finals in

This is what it is all about, one of these nice shiny trophies. With

the BNBF final in Manchester, this is the culmination of months of

hard work, diet and exercise. It is all in the hands of the judges.

Joke must hope that -- Jo Perruzza must hope that what she has done

well be enough go to take from one of these prizes. -- to take home

one of these prices. The result is a in.

Has she done enough to win, and will she be going to Miami?

champion of 2012 is Jo Perruzza! CHEERING.

Let us have a look at your trophy. Jo Perruzza, the body-building

champion! Next stop Miami. Will she win? Find

out on the North West Tonight next Monday.

That is all from me in Stockport this week. If you have next --

missed anything, you can watch on the BBC iPlayer. See you next