:00:00. > :00:08.Why do these people avoid p`ying into a pension scheme?
:00:09. > :00:12.Here is a question for you ` hands up, who hasn't got a pension?
:00:13. > :00:20.The biggest scam in the pensions industry.
:00:21. > :00:33.of Kent, happy to reveal thd secret of their success.
:00:34. > :00:41.In some strange way, my 70s were my best decade for sailing.
:00:42. > :00:44.I'm Natalie Graham, with untold stories closer to home.
:00:45. > :00:50.From all around the south`e`st, this is Inside Out.
:00:51. > :01:11.Hello, we are in the harbour town of Whitstable for our pension special.
:01:12. > :01:14.I am back here later, but fhrst up, an exclusive survey
:01:15. > :01:16.commissioned by Inside Out has revealed why around
:01:17. > :01:31.half the British population doesn't have a pension.
:01:32. > :01:32.The most common reason is cash flow,
:01:33. > :01:35.with 39% of those surveyed saying they just can't afford
:01:36. > :01:40.Another 27% said they just haven't got round to doing it.
:01:41. > :01:48.you simply don't trust pensions companies.
:01:49. > :01:51.Well, John Cuthill hopped on a vintage bus to the seaside
:01:52. > :02:06.got on with the gardening and were grateful for a free bus pass.
:02:07. > :02:09.But with life expectancy continuing to rise, even if we retire later,
:02:10. > :02:26.These days, most of Britain's workers don't have a pension sorted,
:02:27. > :02:28.which could leave us relying entirely on the state.
:02:29. > :02:31.and its 70`year`old driver Lervyn ` still working.
:02:32. > :02:34.I enjoy it and I'm a part of the busindss.
:02:35. > :02:36.It's a nice job and you meet nice people,
:02:37. > :02:41.I did invest into a pension, but it went down the pan, so...
:02:42. > :02:43.Today, we're on a trip to the seaside.
:02:44. > :02:45.And where better to meet than the Pensioners Pub?
:02:46. > :02:47.Half of our passengers on otr 1 49 Bedford bus are retired.
:02:48. > :02:50.The other half are pension refuseniks ?
:02:51. > :02:53.a handful of Britain's 13 million company employees
:02:54. > :03:00.The Government's rolling out a scheme to try to put that right.
:03:01. > :03:05.Auto`enrolment makes it a legal requirement for companies
:03:06. > :03:11.But if you earn less than ?00,0 0, you won't qualify.
:03:12. > :03:15.And anyone self`employed will have to sort themselves out.
:03:16. > :03:30.saving up each month and putting money aside for a pension
:03:31. > :03:35.I'm Adam Fox, I'm 27, I'm a senior colour technichan.
:03:36. > :03:38.I get paid ?500 a month at the moment, with my training
:03:39. > :03:41.so there's absolutely no extra funds there for pensions
:03:42. > :03:48.You haven't got a pension ehther? No.
:03:49. > :03:54.I'm Katie, I'm 26, I'm a carer. I'm on ?6.50 an hour.
:03:55. > :03:56.I'm still doing my studying, so it's not beneficial to md
:03:57. > :04:04.Hilda. Look what just came. What's that?
:04:05. > :04:11.Hilda's celebrating her 100th birthday today.
:04:12. > :04:14.These days, you're 44 times more likely to do the same
:04:15. > :04:17.than 60 years ago, which has prompted the Government
:04:18. > :04:22.to make the most sweeping changes to pensions in generations.
:04:23. > :04:24.Hello, there, welcome aboard. Hi, Steve.
:04:25. > :04:28.for Minister of State for Pdnsions, Steve Webb `
:04:29. > :04:30.the man responsible for the radical reforms.
:04:31. > :04:34.is get millions of people into a pension at all.
:04:35. > :04:37.Particularly starting with xoung people,
:04:38. > :04:39.then we've got to build on that basic minimum level.
:04:40. > :04:41.So 8% of your salary, for most people,
:04:42. > :04:43.won't get you a comfortable retirement.
:04:44. > :04:46.It's a start, but we've got to build on that.
:04:47. > :04:50.Once you get a pension, then you are going to be nailed by charges.
:04:51. > :04:55.In the past, too many peopld have been ripped off,
:04:56. > :04:58.These new workplace pensions will be different,
:04:59. > :05:03.we are going to cap the charges so that from next April, more than 99p
:05:04. > :05:06.in the pound you put into a pension will go into a pension, not charges.
:05:07. > :05:08.So they will be the best value pensions,
:05:09. > :05:11.particularly because your fhrm is putting money in as well,
:05:12. > :05:13.one of the best things you can invest in.
:05:14. > :05:15.With a captive audience, Stdve Webb can't resist the opportunitx
:05:16. > :05:21.Tell me your pensions experhence. Are you ever going to have one?
:05:22. > :05:25.I'm self`employed. I do events and weddings, things like that.
:05:26. > :05:28.And I don't think the return you will get from a pension
:05:29. > :05:31.Mark Larter's 39. Instead of a pension,
:05:32. > :05:39.My property is going to rent out to students in Southampton,
:05:40. > :05:42.really high student populathon there, and it is right
:05:43. > :05:46.in the centre of town, so it is a wicked location and it is always
:05:47. > :05:52.37`year`old Balvinder Singh has frozen his private pension,
:05:53. > :05:57.put off by the constantly increasing retirement age.
:05:58. > :06:00.I don't trust pensions, I don't know how much I'm going to get
:06:01. > :06:04.and when I am going to get that They are increasing it everx day.
:06:05. > :06:07.First, they said 60, 65. Now they say 70 years.
:06:08. > :06:17.I don't know if I am going to live that long.
:06:18. > :06:21.Things are different on the retired side of the bus,
:06:22. > :06:23.where some have the sort of gold`plated final salary schemes
:06:24. > :06:27.that anyone who's signing up to a pension now
:06:28. > :06:33.I don't see myself as being in any way privileged, I sed myself
:06:34. > :06:39.as having worked the public service for a relatively reasonable salary,
:06:40. > :06:41.but the attraction of it was always the reason`ble
:06:42. > :06:47.The pension is pretty good really, because it is index`linked `nd I
:06:48. > :06:52.know from year to year exactly what it is I'm probably going to get
:06:53. > :06:55.But not all pensioners are as fortunate.
:06:56. > :06:59.I'm Lyn, I'm 67 and I survive on a basic pension,
:07:00. > :07:11.I'm Reg, I'm 78 and my statd pension is about ?640 a month.
:07:12. > :07:16.Plus I have a private pension, which is ?150 a month.
:07:17. > :07:20.Between them, that's an income of roughly ?13,000 a year.
:07:21. > :07:27.was quoted as the amount needed for a comfortable retirement.
:07:28. > :07:33.When you're young, you don't think about 40 years hence, do you?
:07:34. > :07:39.It sort of creeps up on you and then you get to 45`50 and you thhnk, ah.
:07:40. > :07:44.We don't take life too seriously because I think if we did,
:07:45. > :07:50.Compared to men, three times as many women
:07:51. > :07:54.retire with no private penshon savings at all.
:07:55. > :07:58.I'm Lin Gel, I'm 58 and I rtn a B in Lee, on the Solent.
:07:59. > :08:01.I don't have a pension in my own right.
:08:02. > :08:05.I've worked all my life, but I didn't really think I'd need one,
:08:06. > :08:06.because my husband had quite a few pensions,
:08:07. > :08:12.Lin does get some of her late husband's Naval pension,
:08:13. > :08:19.which is a portion of what he would've got.
:08:20. > :08:22.It's tough, because I've got to work now,
:08:23. > :08:26.to get a state pension, until I'm 68.
:08:27. > :08:36.everybody's got to work now, until they're quite old, so you know. .
:08:37. > :08:40.Joan's 93 and has been retired for 30 years.
:08:41. > :08:43.She thinks there's been a cultural shift towards spending now
:08:44. > :08:47.rather than putting money away for later.
:08:48. > :08:52.I don't think nowadays people know how to save, young people.
:08:53. > :09:02.They have never had to make do and mend like we had to.
:09:03. > :09:05.As the Pensions Special rolls down the promenade, time for somd words
:09:06. > :09:10.of warning for those of us who might still have our heads in the sand.
:09:11. > :09:14.The majority of workers don't have pension savings `
:09:15. > :09:18.so anyone on that side of the bus ? You are not alone, there ard lots
:09:19. > :09:26.However, the main message h`s to be if you don't save for your later
:09:27. > :09:35.The state pension, certainlx for those who are relatively yotng now,
:09:36. > :09:41.is changing dramatically and from 2016 inwards,
:09:42. > :09:43.is changing dramatically and from 2016 onwards,
:09:44. > :09:47.younger people will know th`t when they get to retirement,
:09:48. > :09:49.the state pension is going to be around ?20 a day.
:09:50. > :09:52.Now, if you think you'll be happy living on ?20 a day
:09:53. > :09:55.for the rest of your life when you've reached retiremdnt,
:09:56. > :10:01.but if you think you might want more than ?20 a day
:10:02. > :10:05.to have a decent lifestyle, then unless you do some savhng now,
:10:06. > :10:11.you won't have any money coling in from that pension later.
:10:12. > :10:14.So it's all about being prepared ` or is it?
:10:15. > :10:19.I was planning to start sorting out my pension at the age 40.
:10:20. > :10:22.After today, I have realised it is far too late.
:10:23. > :10:25.I think we are more like, lhve for today, because you never know
:10:26. > :10:31.My business is going good, Property is going well,
:10:32. > :10:34.so I am quite happy with how things are going, I think.
:10:35. > :10:36.Any non`pensioners going in at all?
:10:37. > :10:40.when it comes to keeping our heads above water when we retire,
:10:41. > :10:43.we're all going to have to plan ahead.
:10:44. > :11:04.I go out with about ten other bikers.
:11:05. > :11:11.Well, if you have got a pension pot, surely you can relax.
:11:12. > :11:17.Inside out has gone undercover to expose the biggest scam
:11:18. > :11:21.in the pensions industry, leaving many victims pennildss.
:11:22. > :11:32.When we take out a pension, it is all about securing our future.
:11:33. > :11:42.But what happens if I want to cash mine in before I'm 55?
:11:43. > :11:45.Well, according to some companies, age is no barrier.
:11:46. > :11:55.When John, not his real namd, from Sussex, needed to free up some cash,
:11:56. > :12:03.I'd been unemployed for abott two years, hardly earning any money
:12:04. > :12:06.I have got a wife, two kids and, you know,
:12:07. > :12:09.I was struggling really badly financially, in debt.
:12:10. > :12:13.And it basically offered up to 0% of your pension fund
:12:14. > :12:19.And my main concern when I first heard about it
:12:20. > :12:22.was obviously that it was, firstly, legal,
:12:23. > :12:26.and secondly, that you weren't going to get taxed on it.
:12:27. > :12:32.The scheme freed up ?47,000 in cash but John's relief was short`lived.
:12:33. > :12:34.First the pensions regulator and then the High Court
:12:35. > :12:39.ruled he had taken what is called an unauthorised payment.
:12:40. > :12:46.How extremely stressful that was, because I had made great pahns
:12:47. > :12:50.to make sure that these loans were legal.
:12:51. > :12:53.I thought it was the only w`y of getting out of
:12:54. > :13:01.The great thing about pensions is that they are tax efficidnt.
:13:02. > :13:05.In other words, we get tax relief on them to encourage us to save
:13:06. > :13:14.And if you try to cash yours in before you were 55,
:13:15. > :13:16.And if you try to cash yours in before you are 55,
:13:17. > :13:18.cutting those strings will cost you a fortune.
:13:19. > :13:22.You will have to pay up to 70% of what you get back in tax.
:13:23. > :13:39."You actually cannot take anything from your pension until aged 55 "
:13:40. > :13:46.But, John, not his real namd, didn't.
:13:47. > :13:50.Now he owes the taxman thousands of pounds.
:13:51. > :13:54.Many of the people here had joined the same scheme.
:13:55. > :13:58.Some, as they have told me, faced financial ruin.
:13:59. > :14:01.It is why they formed this support group.
:14:02. > :14:04.There are numerous people who have said to me that they sometiles feel
:14:05. > :14:08.the only way out of this misery is to commit suicide,
:14:09. > :14:20.For those of us who are stuck in a financial hole, freehng up
:14:21. > :14:23.our pension pot might seel like the light at the end the tunnel.
:14:24. > :14:26.But the people I've met so far say they were kdpt
:14:27. > :14:29.That's why I am doing my own research.
:14:30. > :14:32.I want to find out if comp`nies are really telling people that age
:14:33. > :14:50.doesn't matter, that I can take my pension out early and not pay tax.
:14:51. > :14:52.So, we will start with the initial pension, 37,600
:14:53. > :14:55.Now, this company is going to take away a certain amount of fdes
:14:56. > :14:58.and you're left with ?25,832 which is 68% of your pension
:14:59. > :15:01.But what it doesn't tell yot is that HMRC are going to also take a
:15:02. > :15:04.further 55% at minimum which leaves you about 10% of your pension.
:15:05. > :15:09.But are companies setting out to mislead or just being short
:15:10. > :15:21.I am hoping a few calls will help me to find ott.
:15:22. > :15:23.We have chosen a selection of companies at random
:15:24. > :15:26.and I have asked pensions expert Richard Jacobs to listen hn.
:15:27. > :15:28.We are just wondering if you could hep.
:15:29. > :15:33.So if I did cash in my pension, there would be tax to pay.
:15:34. > :15:36.You can't take money out of a pension before the agd of 55.
:15:37. > :15:38.So the first company knows the rules.
:15:39. > :15:41.You never know, maybe I won't be misldd.
:15:42. > :15:47.Operation Scorpion might have something to do with that.
:15:48. > :15:52.It is what the police and pensions regulators are calling
:15:53. > :15:54.their crackdown on pension liberation companies.
:15:55. > :16:00.Since being set up, it has investigated a sector worth
:16:01. > :16:05.We have been making a few more calls.
:16:06. > :16:07.I want to know what Richard thinks of thel.
:16:08. > :16:10.I would just like you to listen to it and try to
:16:11. > :16:16.We have made it clear that I am under 55 but need cash and fast.
:16:17. > :16:21.The monies generated are 20% of the value of your transfer
:16:22. > :16:25.and those monies are repaid to you through another channel.
:16:26. > :16:29.Secondly, you switch your pension fund and you will receive 20%
:16:30. > :16:35.You are already shaking yotr head, licking your lips at this!
:16:36. > :16:44.Whoever that business hs, if money is coming out,
:16:45. > :16:49.There is no money magicked from anywhere.
:16:50. > :16:54.That is pension liberathon, whatever name you put on it
:16:55. > :16:57.In fact, of the nine companies we contacted online and on thd phone,
:16:58. > :17:05.That left me feeling as miserable as the weather.
:17:06. > :17:07.So what is the pensions regulator doing about ht?
:17:08. > :17:10.The message we need to get out to consumers is that
:17:11. > :17:13.if anybody comes to offer you access to your pension scheme before 5 ,
:17:14. > :17:19.they are telling you a lid. You need to walk away very fast.
:17:20. > :17:26.Every single day, you think about it and it is very bad
:17:27. > :17:36.Operation Scorpion is helping to raise awareness,
:17:37. > :17:49.but as our evidence shows, new victims are still getting stung.
:17:50. > :17:55.Now, the Southeast is thd UK s number one retirement hotspot,
:17:56. > :18:00.full of care homes, garden centres and comfortable benches.
:18:01. > :18:05.Perfect places to watch old age pensioners having the timd
:18:06. > :18:12.Just a few years ago, the average working man or woman
:18:13. > :18:15.was, by the time they retired, pretty much a spent forcd.
:18:16. > :18:26.Brought up under rationing and having spent years doing hard
:18:27. > :18:28.physical labour, the end of a person's workhng life
:18:29. > :18:54.was usually just a few xears before the end life itsdlf.
:18:55. > :18:59.With life expectancy rising with each passing year, for many,
:19:00. > :19:04.retirement wealth last four decades. So for today's pensioners,
:19:05. > :19:09.it is not so much a question of how much time have I got left, lore a
:19:10. > :19:19.question of how on earth do I feel the next 20 or 30 years. `` do I
:19:20. > :19:25.fill in. Some pensioners in the south`east think they have the
:19:26. > :19:28.answer. The first my quest for the secret of retirement contentment is
:19:29. > :19:33.a sailing club. Wendy love sailing but also has a passion the downhill
:19:34. > :19:36.skiing, so to keep busy and help fund their winter hobby, shd has
:19:37. > :19:43.been training would`be sailors like me ever since she retired from an
:19:44. > :19:48.office job ten years ago. I suddenly realised I was 60 and I didn't have
:19:49. > :19:55.to go to work 9`to`5 anymord. Did you have any savings? Not a penny. I
:19:56. > :19:59.should have done, but I just had a series of jobs that didn't pay any
:20:00. > :20:04.pension pots. Why do you do this, do you need the money? Desperately I
:20:05. > :20:10.need every penny. You have dnough to get to the Alps in the wintdr? Just
:20:11. > :20:14.about. Right, I have the ge`r, I have had my lesson and now ht is
:20:15. > :20:20.time to get changed and get on the water.
:20:21. > :20:24.When Gavin retired from his final job as a personnel manager, he
:20:25. > :20:29.decided to sit around and w`tch the world go by. But his seat w`s in a
:20:30. > :20:34.wander it Pinky and the world went by so fast, Gavin one the N`tional
:20:35. > :20:44.Championships four times `` indeed. He is still competing at thd age of
:20:45. > :20:52.83. So you are still a boy racer? Yes, if you can call my age that. My
:20:53. > :20:55.70s were my best days for r`cing. We have a National Championships and I
:20:56. > :21:00.did manage to win that. The satisfaction is making your boat go
:21:01. > :21:04.as well as it can go, the bow is out of the water, the spray is flying
:21:05. > :21:09.and even if we don't win, wd have enjoyed ourselves and had rdally
:21:10. > :21:14.good fun. With 52% of us having no kind of pension scheme other than
:21:15. > :21:18.that than the state provide, sailing may seem a hobby out of reach for
:21:19. > :21:21.many, but Gavin bought his first boat for ?2000 and there ard plenty
:21:22. > :21:27.of second`hand votes for a few hundred pounds, for any pensioners
:21:28. > :21:33.boating on water tight budgdts. There is a couple at the cltb that
:21:34. > :21:39.brought at grotty old wonder, worn out sales, it didn't cost them much,
:21:40. > :21:43.but they come and sailed with their grandchildren several times a week
:21:44. > :21:48.and really enjoy it. One of the big things with sailing is not the boat
:21:49. > :21:53.and expense, it is the skill. And the clothing, you obviously spend a
:21:54. > :21:58.lot on that. Yes, you don't have to have all the expensive gear But you
:21:59. > :22:03.wear it quite beautifully. But what if you have health problems
:22:04. > :22:10.as you get older? Gavin's whfe Caroline used to race with him until
:22:11. > :22:13.ill`health made it impossible. So she went back to the classroom to
:22:14. > :22:19.find something she could do. She didn't quit, she quilted. It is
:22:20. > :22:23.creative and it keeps me busy and I need to do things and to go out and
:22:24. > :22:31.meet people, like`minded, and talk to them, and the people I wdnt first
:22:32. > :22:35.to do it with, I am still friends with them and we meet every so
:22:36. > :22:40.often. Another pensioner who has t`ken up a
:22:41. > :22:44.new skill is evergreen 80`ydar`old Bob. His wife died earlier this
:22:45. > :22:49.year. She was a keen gardendr, so no Bob is doing all he can to keep the
:22:50. > :22:56.garden looking rosy. But thd secret of his success in retirement is at
:22:57. > :23:12.the other end of the garden, in a garage. I enjoy speed, yes. When you
:23:13. > :23:17.have got a clear, open, small road, it is fun.
:23:18. > :23:27.So I go out with about ten other bikers. We have all got nicknames. I
:23:28. > :23:33.am Coffin Dodger, by the wax. What does biking do for you in
:23:34. > :23:35.retirement, keeps you young? It keeps you pretty sharp, bec`use you
:23:36. > :23:41.can't afford to get it wrong on a bike on the roads today. Bob used to
:23:42. > :23:46.ride at Brands Hatch on is back as the rate at speeds of up to 150 mph
:23:47. > :23:51.but after a high`speed tumble, he now writes for pleasure and the
:23:52. > :23:55.social life that comes with being a biker. Bikers are very friendly you
:23:56. > :24:00.might notice they always nod to each other. It is just something you do.
:24:01. > :24:05.If you saw a bike broken down, you would not pass me would stop and ask
:24:06. > :24:09.if you could help. Do you worry what the you will do instead when you
:24:10. > :24:16.can't ride a bike? I will btild them instead. I have got a workshop with
:24:17. > :24:22.machinery and I have build bikes, so I will be building bikes. I will
:24:23. > :24:26.still be involved. My last port of call in my search for the sdcret of
:24:27. > :24:29.a happy retirement is Folkestone, a popular place with pensioners and
:24:30. > :24:34.home to one of the oldest community sports centres in the country. It
:24:35. > :24:42.has a huge range of programles for its ever`growing band of active
:24:43. > :24:45.oldies. Now, whatever your `ge, sometimes exercise can just feel a
:24:46. > :24:56.bit too much like hard work, but the great thing about these machines is
:24:57. > :24:59.they do the work for you. Of course, technology can only go so f`r to
:25:00. > :25:02.keep you in tiptop shape. You also need willpower and determin`tion.
:25:03. > :25:09.Pensioner Rita Williams has plenty of both. I started seven ye`rs ago,
:25:10. > :25:13.just after I lost my husband, to get out of the house and do somdthing
:25:14. > :25:18.and I have never looked back. This sports Centre has given me ` life, I
:25:19. > :25:22.have made wonderful friends started over on the toning chairs and
:25:23. > :25:27.because I liked what I was seeing in the mirror, I kept it going and I
:25:28. > :25:33.have gone on from there, because I am a little older now and I want to
:25:34. > :25:38.keep fit. I couldn't have done anything that was too expensive so
:25:39. > :25:45.it is good. It is time for my last lesson of the
:25:46. > :25:51.day. Keith Bennett took up correctly after his 60th birthday. Now he is
:25:52. > :25:57.84 and he is a black belt. So have you ever used karate in the big bad
:25:58. > :26:02.world? Once, a gang of youths were attacking this old couple and they
:26:03. > :26:08.were pushing them around and that and I said to them, leave them
:26:09. > :26:12.alone, and they came up to le and said, listen to me, old man, I will
:26:13. > :26:18.do you in a minute, which w`s a mistake, because he ended up
:26:19. > :26:22.headfirst in a rose bush. Kdith teaches karate now and is gradually
:26:23. > :26:30.moving up the black belt gr`des He is now a fourth Dan. I am on my
:26:31. > :26:34.third down and for that, I did 00 presents, 100 sit`ups, 100 squats
:26:35. > :26:45.and then two hours of technhcal then I've series `` a series of
:26:46. > :26:50.51`minute fights and at the end you had to stay on your feet. So you
:26:51. > :26:54.have gone almost as high as you can go? Some Japanese people ard ten
:26:55. > :27:05.thought well done. But in Folkestone... ! Don't worry about
:27:06. > :27:08.Japan. `` some Japanese people are 10th Dan. I have finally fotnd
:27:09. > :27:13.enlightenment in a small part of Kent. No one is pretending living on
:27:14. > :27:18.a pension is easy but the truth is for these pensioners, retirdment is
:27:19. > :27:21.about more than a pension, ht is finding a passion and finding
:27:22. > :27:24.someone who can pursue it whth you. If you haven't got a passion for
:27:25. > :27:27.something, I think you are hn trouble. You have to find one
:27:28. > :27:32.somehow and think, what havd I always wanted to do? Make stre you
:27:33. > :27:39.train properly, make sure that the family is happy with it. And join a
:27:40. > :27:42.group of people that are dohng the same thing. Then you are into a new
:27:43. > :27:52.community, a new group of friends, that is what I would say.
:27:53. > :27:58.Now, if you want any more information about tonight's show,
:27:59. > :28:06.you can visit our Kent also six website. You can watch the whole
:28:07. > :28:12.show a gain on the BBC iPlaxer `` or Sussex website. Coming up ndxt
:28:13. > :28:16.week... With more homebirths on the way, how will our hospitals cope?
:28:17. > :28:20.Certainly if we were to double homebirths, we would really be
:28:21. > :28:23.struggling to offer that service appropriately.
:28:24. > :28:28.Quizzing Paul Carter, we look back over his pledge to improve Kent s
:28:29. > :28:33.economy. I am not feeling the heat underneath this. The years `re going
:28:34. > :28:39.by. As I understand it, work will start in the next 18 months. And we
:28:40. > :28:46.join the underwater archaeologists unlocking the secrets of a
:28:47. > :28:51.17th`century Chatham shipwrdck. It is very much like the Mary Rose,
:28:52. > :28:56.I can say this is the merridr as the Thames estuary. That is it for
:28:57. > :29:05.tonight from Whitstable. Th`nk you for watching, see you next week
:29:06. > :29:07.Hello, I'm Ellie Crisell with your 90 second update.
:29:08. > :29:10.There's no return if you decide to leave the UK.
:29:11. > :29:13.David Cameron's message to Scotland ahead of this week's vote over
:29:14. > :29:17.The Yes campaign's Alex Salmond has branded claims that prices
:29:18. > :29:23.Two British tourists have been murdered on a beach in Thailand
:29:24. > :29:27.Police said 24-year-old David Miller and Hannah Witheridge, who's 23
:29:28. > :29:33.He's the child cancer specialist who's admitted abusing young boys
:29:34. > :29:37.Dr Myles Bradbury worked at Addenbrookes in Cambridge.
:29:38. > :29:41.He pleaded guilty to 25 sexual offences.