:00:07. > :00:11.as we hit the road with the pensions haves and have`nots.
:00:12. > :00:13.Welcome aboard the pensions special. Are we ready? Yeah!
:00:14. > :00:18.If you don't save for your later life, what are you going to live on?
:00:19. > :00:20.The state pension is going to be around ?20 a day.
:00:21. > :00:27.Is it ever too late to start saving for a pension pot?
:00:28. > :00:34.We give one woman a financhal MOT. Plan?! I don't have a plan.
:00:35. > :00:36.Really, you're looking at more than doubling your monthly paxment
:00:37. > :00:46.the high risk deals that could cost you dear.
:00:47. > :00:50.They sometimes feel that the only way out of this misery is to
:00:51. > :01:09.I'm Jemma Woodman. Welcome to Inside Out South West.
:01:10. > :01:12.Nearly half of 18 to 60`year`olds in the UK haven't got a prhvate
:01:13. > :01:19.reckon they'll manage on state retirement handouts alone.
:01:20. > :01:23.And that's the worrying phcture revealed in a new Inside Out survey.
:01:24. > :01:50.But first, Jon Cuthill on a potentia pensions timebomb.
:01:51. > :01:52.Previous generations retired at 60, got on with the gardening
:01:53. > :01:54.and were grateful for a fred bus pass.
:01:55. > :01:56.But with life expectancy continuing to rise, even if
:01:57. > :01:58.we retire later we're likelx to be retired longer.
:01:59. > :02:09.These days, most of Britain's workers don't have a pension sorted,
:02:10. > :02:12.which could leave us relying entirely on the state or, lhke our
:02:13. > :02:14.65`year`old bus and its 70`xear`old driver Mervin, still working.
:02:15. > :02:17.I enjoy it and I'm a part of the busindss.
:02:18. > :02:19.It's a nice job, you meet nice people.
:02:20. > :02:23.I did invest into a pension but it went down the pan, so...
:02:24. > :02:25.Today, we're on a trip to the seashde.
:02:26. > :02:28.And where better to meet thdm the Pensioners pub?
:02:29. > :02:31.Half of our passengers in otr 1 49 Bedford bus are retired.
:02:32. > :02:34.The other half are pension refuseniks, a handful of Brhtain's
:02:35. > :02:39.13 million company employees who don't have a private pension.
:02:40. > :02:43.The Government's rolling out a schem to try to put that right.
:02:44. > :02:48.Auto`enrolment makes it a ldgal requirement for companies to
:02:49. > :02:55.But if you earn less than ?00,0 0, you won't qualify.
:02:56. > :03:00.And anyone self`employed will have to sort themselves out.
:03:01. > :03:04.Here's a question for you ` hands up who has got a penshon.
:03:05. > :03:10.OK. Who hasn't got a pension? Hold on. Why not? Money, re`lly
:03:11. > :03:12.Saving up for a pension, putting money aside each month,
:03:13. > :03:15.just isn't feasible at the loment. I'm Adam Fox.
:03:16. > :03:18.I'm 27, I'm a senior colour technichan.
:03:19. > :03:22.I get paid ?500 a month at the moment with my training, so there's
:03:23. > :03:27.absolutely no extra funds therefore pensions and things like th`t.
:03:28. > :03:32.And Adam's not the only one. You haven't got a pension ehther? No
:03:33. > :03:35.I'm Katie, I'm 26. I'm a carer. I'm on ?6.50 an hour.
:03:36. > :03:44.so it's not beneficial to md to pay into a pension at thd moment.
:03:45. > :03:47.Hilda... Look what just came. What's that?
:03:48. > :03:51.It's your letter from the Qteen Is it?! It is!
:03:52. > :03:55.Hilda's celebrating her 100th birthday today.
:03:56. > :03:58.These days, you're 44 times more likely to do the same than 60 years
:03:59. > :04:02.ago, which has prompted the Government to make the most sweeping
:04:03. > :04:07.changes to pensions in generations. Hello there, welcome aboard.
:04:08. > :04:10.Time to make room on the bus for Minister of State for Pensions
:04:11. > :04:14.Steve Webb, the man responsible for the radical reforms.
:04:15. > :04:17.The first thing we've got to do is get millions of people
:04:18. > :04:20.into a pension at all, parthcularly starting with young people,
:04:21. > :04:23.and then we've got to get pdople to build on that base minimum level.
:04:24. > :04:26.So 8% of your salary, for most people,
:04:27. > :04:27.won't get you a comfortable retirement.
:04:28. > :04:30.It's a start but we want to build on that. What about the charges
:04:31. > :04:33.Once you get a pension, you're going to be nailed by charges.
:04:34. > :04:39.In the past, too many peopld have been ripped off, frankly,
:04:40. > :04:42.These new workplace pensions will be different
:04:43. > :04:43.because we're going to cap the charges.
:04:44. > :04:46.So from next April, more than 99p in the pound that you
:04:47. > :04:50.put into a pension will go into the pension, not into charges.
:04:51. > :04:52.So they will be the best value pensions, particularly
:04:53. > :04:54.because your firm is putting money in as well.
:04:55. > :04:56.One of the best things you can invest in.
:04:57. > :04:58.With a captive audience, Stdve Webb can't resist the opportunitx
:04:59. > :05:01.to nudge the pension messagd. So tel me about your pensions experience.
:05:02. > :05:05.Have you got one, do you thhnk you're ever going to have one?
:05:06. > :05:06.What's your story? I'm self`employed. OK.
:05:07. > :05:09.I do events and weddings and things like that and I don't think
:05:10. > :05:13.the return that you get from a pension is going to be valid.
:05:14. > :05:17.Mark is 39. Instead of a pension, he's opted for a buy to let.
:05:18. > :05:20.My property's going to be rented out to students.
:05:21. > :05:24.In Southampton, there's a rdally high student population,
:05:25. > :05:27.and it's right in the centrd of town so it's a wicked location
:05:28. > :05:31.and it's always going to rent, no matter what.
:05:32. > :05:35.37`year`old Balvinder Singh has frozen his private pension,
:05:36. > :05:39.put off by the constantly increasing retirement age.
:05:40. > :05:41.I don't trust pensions because I don't
:05:42. > :05:44.know how much I'm going to get and what I'm going to get that,
:05:45. > :05:47.because they keep increasing every day.
:05:48. > :05:50.Sometimes they're saying 60, 65 now they're saying 70 years.
:05:51. > :05:54.I don't know how I'm going to live at that time.
:05:55. > :05:58.I can understand why people may want to do things in addition to
:05:59. > :06:01.pensions but they should consider pensions as one of their options.
:06:02. > :06:03.And for people that think it's too hard,
:06:04. > :06:08.there's always something ` a little something that will make it
:06:09. > :06:11.easier for them ` such as if they work for an employer, it cotld be
:06:12. > :06:13.the employer could contribute into their pension scheme.
:06:14. > :06:16.So ask the question, phone people like us at the Pensions Advhsory
:06:17. > :06:19.Service, and we can give people little hints to make it helpful
:06:20. > :06:22.But don't just rely on one source of income in retiremdnt.
:06:23. > :06:35.Things are different on the retired side of the bus,
:06:36. > :06:37.where some have the sort of goldplated final salary schemes
:06:38. > :06:42.that anyone who is signing tp to a pension now will probably ndver get.
:06:43. > :06:45.I don't see myself as being in any way privileged.
:06:46. > :06:49.I see myself as having workdd in the public service for a relatively
:06:50. > :06:52.reasonable salary, but the attraction of it was always
:06:53. > :06:57.the reasonable pension at the end of the day.
:06:58. > :07:00.Pension pretty good, really, because it's index linked and I know
:07:01. > :07:05.from year to year exactly what it is I'm probably going to get.
:07:06. > :07:10.I ended up with a final salary scheme.
:07:11. > :07:13.I'd been with the same company for 30 years
:07:14. > :07:20.and was rewarded for that loyalty with a decent pension.
:07:21. > :07:23.But not all pensioners are as fortunate.
:07:24. > :07:28.I'm Lynne, I'm 67 and I'm strviving on a basic pension, which is
:07:29. > :07:39.I'm Reg. I'm 78 and my statd pension is about ?640 a month,
:07:40. > :07:44.plus I have a private pension which is ?150 a month.
:07:45. > :07:48.Between them, that's an income of roughly ?13,000 a year.
:07:49. > :07:52.Recently, ?17,000 per household was quoted as the amount
:07:53. > :08:01.When you're young, you don't think about 40 years hence, do you?
:08:02. > :08:04.It sort of creeps up on you until you suddenly get to about 44,
:08:05. > :08:11.We don't take life too seriously because I think if we did,
:08:12. > :08:23.Joan's 93 and has been retired for 30 years.
:08:24. > :08:26.She thinks there's been a ctltural shift towards spending now
:08:27. > :08:30.rather than putting money away for later.
:08:31. > :08:36.I don't think nowadays people know how to save ` young people `
:08:37. > :08:46.so they've never had to makd do and mend like we had.
:08:47. > :08:49.As the pensions special rolls down the promenade, time for somd words
:08:50. > :08:53.of warning for those of us who might still have our heads in the sand.
:08:54. > :08:57.The majority of workers don't have pension savings,
:08:58. > :09:01.so anyone on that side of the bus, you're not alone `
:09:02. > :09:04.there's lots of people like you out there.
:09:05. > :09:13.if you don't save for your later life, what are you going to live on?
:09:14. > :09:19.certainly for those who are relatively young now, is ch`nging
:09:20. > :09:25.dramatically and, from 2016 onwards, younger people will know th`t
:09:26. > :09:32.the state pension is going to be around ?20 a day.
:09:33. > :09:35.Now, if you think you'd be happy living on ?20 a day for
:09:36. > :09:37.the rest of your life when xou've reached retirement,
:09:38. > :09:44.but if you think you might want more than ?20 a day to have a
:09:45. > :09:49.decent lifestyle, then unless you do some savhng now,
:09:50. > :09:55.you won't have any money coming in from that pension later.
:09:56. > :09:58.So it's all about being prepared ` or is it?
:09:59. > :10:01.I was planning to start sorting out my pension at the age
:10:02. > :10:04.of around 40 which, after today I've realised is far too late.
:10:05. > :10:08.I think we're more, like, live for today,
:10:09. > :10:11.because you never know what's going to happen tomorrow.
:10:12. > :10:14.Business is going good, property's going well,
:10:15. > :10:17.so I'm quite happy with how things are going.
:10:18. > :10:23.One thing is for certain, though ` when it comes to keeping our heads
:10:24. > :10:27.above water when we retire, we're all going to have to plan ahead
:10:28. > :10:35.If you're worried about your pension then why not visit our webshte?
:10:36. > :10:41.There's lots of helpful advhce and information.
:10:42. > :10:53.So, how late is too late to take action?
:10:54. > :10:59.We asked one woman from Plylouth in her 40s to find out.
:11:00. > :11:04.when music festivals were the hangout of hippies of tender years.
:11:05. > :11:11.But now the groovers have grown up a bit.
:11:12. > :11:15.Like 48`year`old Siobhan from Plymouth.
:11:16. > :11:17.Festivals are her passion, along with...
:11:18. > :11:22.Cookery classes. I do forensic science ones. Tap dancing now.
:11:23. > :11:30.I recently did bookbinding. Anything that just gets my attention.
:11:31. > :11:33.There's only one problem ` how is she going to pay for it all
:11:34. > :11:38.when she retires? Plan?! I don't have a plan.
:11:39. > :11:43.I'm thinking I need to prob`bly sort something out,
:11:44. > :11:49.Many of Siobhan's friends are in the same boat.
:11:50. > :11:53.I haven't made any provision apart from state pension. Are you worried?
:11:54. > :12:01.A case, perhaps, of Porsche today, pauper tomorrow.
:12:02. > :12:03.There's an awful lot of people around my age who haven't
:12:04. > :12:06.done anything about it and suddenly, we're sort of coming up to 40,
:12:07. > :12:14.or hit 50, and having a bit of a panic now
:12:15. > :12:18.So, has Siobhan left it too late to sort out her pension?
:12:19. > :12:23.Ali Treharne is BBC Radio Ddvon s financial guru.
:12:24. > :12:26.I don't think it's ever too late to sort out your pension.
:12:27. > :12:29.I think you need to underst`nd that it's a part of your money.
:12:30. > :12:30.You need to understand how it's invested
:12:31. > :12:34.and what it can possibly produce for you by means of retirement hncome.
:12:35. > :12:37.But obviously, the longer you save for, the more chance you have
:12:38. > :12:40.of your savings growing and the more you can put aw`y.
:12:41. > :12:44.So it's something that people really ought to
:12:45. > :12:49.get into the habit of youngdr, much younger.
:12:50. > :12:52.We've asked Ali to give Siobhan a pensions make`over.
:12:53. > :12:55.Siobhan isn't paying into a private scheme right now
:12:56. > :12:59.but she thinks she might have done in the past
:13:00. > :13:04.She reckons she can get by in retirement on ?12,000 a year.
:13:05. > :13:08.when Siobhan is likely to rdceive a state pension ` and remember,
:13:09. > :13:12.the state pension age is increasing in the next couple of decadds.
:13:13. > :13:16.So we'll work out when she's likely to receive that and that will form
:13:17. > :13:19.the large majority of the pdnsion income that she thinks she needs.
:13:20. > :13:23.I'll then work out the shortfall and I will then work out how much
:13:24. > :13:26.I believe she needs to save each month so that she can meet
:13:27. > :13:30.that shortfall of income from her own personal savings.
:13:31. > :13:33.And I hope that will make hdr realise that starting now is
:13:34. > :13:37.an incredibly put important thing to do.
:13:38. > :13:39.While Ali crunches the figures, we've asked Siobhan to experience
:13:40. > :13:43.the reality of living on a reduced income.
:13:44. > :13:47.?12,000 a year would give Siobhan about ?230 a week.
:13:48. > :13:49.Take away the cost of her likely overheads
:13:50. > :13:54.and she's left with ?70 spending money. Can she stay within budget?
:13:55. > :13:58.Well, it's been a long time since she had to be frugal.
:13:59. > :14:00.I didn't earn a lot when I was younger
:14:01. > :14:03.so I've always had to buy everything cheap and budgetx,
:14:04. > :14:06.and now that I've got a better paid job and a bit more
:14:07. > :14:14.disposable income, I'm a bit more extravagant now.
:14:15. > :14:16.I feel like I don't have to shop like that,
:14:17. > :14:20.First stop, picking up some bits for ` yes, you've guessed it `
:14:21. > :14:26.Right, so I got a box of Pinot Grigio so that will do us
:14:27. > :14:29.over the weekend. And lots of snacks in between. How much did yot spend?
:14:30. > :14:35.?54, but I have got a few basics for home as well in there.
:14:36. > :14:39.The majority was spent on these bits and bobs for the festival.
:14:40. > :14:46.She manages to resist the lure of the department store
:14:47. > :14:54.And there's plenty of temptation here.
:14:55. > :15:00.?120?! Wow! Oh, look, a collapsibld kettle.
:15:01. > :15:05.Oh, that's a must have, that is Next, the jackets catch her eye
:15:06. > :15:10.You might be wondering what's wrong with the one she's got on.
:15:11. > :15:13.Not pink enough, apparently. Thanks very much. Brilliant. Thanks a lot.
:15:14. > :15:18.OK, so I bought the jacket ` the nice pink bright one `
:15:19. > :15:25.and it was ?100, so I am officially now over budget.
:15:26. > :15:31.So living on ?12,000 a year just might be a challenge.
:15:32. > :15:34.But how much does she need to start saving to have even that?
:15:35. > :15:39.Financial adviser Ali Treharne is back with the bottom line.
:15:40. > :15:43.So, Siobhan, I've done the calculations. The good news
:15:44. > :15:46.is, you know you mentioned you have a personal pension
:15:47. > :15:48.from your previous employer that you didn't really understand?
:15:49. > :15:51.Well, that's worth ?28,000. Really? Yes.
:15:52. > :15:54.So don't be put off by the word pension.
:15:55. > :16:01.So the employer was paying hnto it, you were paying into it,
:16:02. > :16:07.So you have that pot alreadx and that's going to be
:16:08. > :16:11.You will have the state pension which is likely,
:16:12. > :16:15.under the new state pension rules that are coming in from 2016,
:16:16. > :16:19.to provide you with ?7,700 of income each xear
:16:20. > :16:23.So using your personal penshon of ?28,000, my figures are that
:16:24. > :16:30.you should be saving an addhtional ?200 a month from now. Wow!
:16:31. > :16:33.It's quite a lot a month, isn't it? It is.
:16:34. > :16:36.It's a bit more than I was expecting to have to pay.
:16:37. > :16:38.If I can soften the blow a little bit,
:16:39. > :16:40.that part with your existing personal pension should
:16:41. > :16:43.provide you with enough to lake up the shortfall of income,
:16:44. > :16:49.so that you should have just over ?12,000 worth of incomd a year.
:16:50. > :16:53.But is ?12,000 a year realistic Time for a confession.
:16:54. > :16:56.I've sort of being watching my budget for the last week,
:16:57. > :17:03.and I've already blown my btdget cos I had a day off and went shopping.
:17:04. > :17:10.whether the 12,000 a year is really going to be enough
:17:11. > :17:14.if I have these little blowouts which am I want every now and then.
:17:15. > :17:18.Well it sounds like no is the answer if you are having these blowouts.
:17:19. > :17:20.You need to build in some extra there.
:17:21. > :17:23.I wish I'd started saving ydars ago. Well, it would make a difference.
:17:24. > :17:26.And also, a word of caution here ` you mustn't delay,
:17:27. > :17:28.because it will cost you de`r if you do.
:17:29. > :17:31.So really, you're looking at more than doubling your monthly payments
:17:32. > :17:38.For Siobhan, it's been a wake`up call.
:17:39. > :17:44.It's been quite strange going into this different hdadspace,
:17:45. > :17:47.chatting with Alison, finding out what my options are, and,
:17:48. > :17:49.actually, I've got another 20, 30 years after I retire
:17:50. > :17:54.that I'm going to be around, so it's been quite a strangd process
:17:55. > :18:00.to go through but I feel now that I'm basically saving for my future.
:18:01. > :18:03.Siobhan has decided to invest partly in a pension
:18:04. > :18:07.and partly in a NISA, hoping that by putting a bit away now,
:18:08. > :18:17.she'll have many years of h`ppy clamping in retirement.
:18:18. > :18:22.This is what you work for, H suppose ` days off like this.
:18:23. > :18:26.This is what I have the cash for, this is what
:18:27. > :18:30.I got a pension for ` days like this and more bottles of this.
:18:31. > :18:35.Inside Out has been digging down into the reasons why
:18:36. > :18:38.so many people have got a downer on private pensions.
:18:39. > :18:46.39% of 18 to 60`year`olds who took part in our exclusive research
:18:47. > :18:49.told us that they simply couldn't afford it.
:18:50. > :18:53.28% said they were too young to start thinking about it yet,
:18:54. > :18:57.and 27% said they haven't got round to it.
:18:58. > :19:00.One of the other main reasons people gave is that they just didn't
:19:01. > :19:32.Inside out's Andy Akinwolerd has been undercover to expose
:19:33. > :19:37.In fact, that's what they c`ll it ` pension liberation.
:19:38. > :19:40.When Jeremy from Plymouth ndeded to free up some cash,
:19:41. > :19:43.one scheme seemed particularly appealing.
:19:44. > :19:47.At the time, it seemed like the answer to several issues th`t
:19:48. > :19:53.A way of moving my pension from the funds that
:19:54. > :19:57.I was not confident about the future of, and a way to release
:19:58. > :20:01.a lump sum of money which could have helped up my situation at the time.
:20:02. > :21:41.He transferred almost ?400,000 to the schele
:21:42. > :21:46.Very clever, very slick, very convincing and they believed them.
:21:47. > :21:57.Numerous people have said to me that they sometimes feel the onlx way out
:21:58. > :22:06.of this misery is to commit suicide because there is no escape.
:22:07. > :22:08.For those of us stuck in a financial hole, freeing up
:22:09. > :22:12.our pension pot might seem like the light at the end of the tunnel, but
:22:13. > :22:16.the people I've met so far say they were kept in the dark about tax
:22:17. > :22:17.That's why I'm doing my own research.
:22:18. > :22:20.I want to find out if companies are really telling
:22:21. > :22:50.I can cash my pension in early and not pay tax.
:22:51. > :22:58.Tell you that HMRC are also going to take a further 35%. That me`ns sea
:22:59. > :23:04.with about 10% of your penshon. That is a frightening thought. Otr
:23:05. > :23:07.company is setting out to mhslead or just being short on facts? H'm
:23:08. > :23:13.hoping some calls will help find out. We have chosen a selection of
:23:14. > :23:22.companies at random. I have asked an expert to listen in. I'm prdtending
:23:23. > :23:29.to be 48, so they did cash hn my pension, it would be tax to pay You
:23:30. > :23:33.can't take money out of the pension before the age of 55. This company
:23:34. > :23:39.knows the rules, so maybe I will not be misled. Operation Scorpion might
:23:40. > :23:43.have something to do with that. It is what the police and penshons
:23:44. > :23:47.readily tours are calling their crackdown on pension liberation
:23:48. > :23:52.companies. Since being set tp, it has investigated a sector worth
:23:53. > :23:57.almost half ?1 billion. Are its tactics working? We've been making a
:23:58. > :24:02.few more calls. I want to know what Richard thinks. I'd like yot to
:24:03. > :24:05.listen to this and pick out the wrong doings going on. Hello there.
:24:06. > :24:12.We've made it clear I am under 55 but need cash ` and fast.
:24:13. > :24:17.The money is generated at 20% of the value of your transfdr.
:24:18. > :24:19.Those monies are paid back to you through other channels.
:24:20. > :24:22.Secondly, if you switch your pension fund you will receive 20%
:24:23. > :24:26.Already shaking your head and grinning.
:24:27. > :24:36.Whoever that business is, you know, if money is coming out it mtst come
:24:37. > :24:41.There is no money magicked from anywhere.
:24:42. > :24:46.But that is "pension liberation , whatever name they put on it.
:24:47. > :24:58.Well, no, because the money is not coming out of the pension ftnd.
:24:59. > :25:00.No tax liability for taking cash early?
:25:01. > :25:07.That case, he's going to lose his penshon.
:25:08. > :25:16.We can give you a 20 percent cashback.
:25:17. > :25:24.In fact, of the nine companhes we contacted online and on the phone,
:25:25. > :25:36.That has left me feeling as miserable as the weather.
:25:37. > :25:37.What is the pensions regulator doing?
:25:38. > :25:40.We've raised awareness with the police and providers
:25:41. > :25:43.and the important thing now is to raise awareness of consumers.
:25:44. > :25:45.I think it would be a zero`sum game for operators to
:25:46. > :25:49.So the message to get out to consumers is that
:25:50. > :25:52.if anyone offers you access to your pension scheme before the age of 55,
:25:53. > :25:58.they are telling you a lie `nd you need to walk away very fast indeed.
:25:59. > :26:01.And don't the victims and their advisers know it.
:26:02. > :26:04.So, I'm playing them somethhng they really need to hear.
:26:05. > :26:07.The money is generated at 20% of the value of your transfdr.
:26:08. > :26:12.Those monies are paid back to you through other channels.
:26:13. > :26:20.It's the same spiel over and over again.
:26:21. > :26:26.The poor consumer out there does not know...
:26:27. > :26:46.If people are still being mhsled, why are the victims paying? I am
:26:47. > :26:53.hoping Ruth Owen can answer this question. She is the Director of
:26:54. > :26:57.personal tax. People have bden stung left right and centre. I yot telling
:26:58. > :27:01.me that people have to pay this money back, even if they did not
:27:02. > :27:07.know about it in the first race If there is a tax due, HMRC must apply.
:27:08. > :27:12.That is the way the system works. If you have access to money th`t breaks
:27:13. > :27:16.tax rules, then we do have to charge you tax because you got the tax
:27:17. > :27:22.relief that you were not elhgible to receive. So, you will be ch`rged.
:27:23. > :27:27.What is there to protect consumers? I recognise that and I have seen
:27:28. > :27:30.many cases where there were really tragic circumstances and people were
:27:31. > :27:35.misled and have lost their dntire retirement savings. I do re`lly feel
:27:36. > :27:40.for people involved as some are really innocent victims in these
:27:41. > :27:43.situations. But, from a tax point of view, we must apply the ruld equally
:27:44. > :27:50.and fairly and if you have chosen to take your pension out of thd safety
:27:51. > :27:54.of a pension pot, tax will `pply. A lesson the victims are learning the
:27:55. > :28:04.hard way. My opinion is that their job should be to prevent thd kind of
:28:05. > :28:10.con artists, people who manhpulate, people who are in distress.
:28:11. > :28:14.Operation Scorpion is helping raise awareness but as our evidence
:28:15. > :28:26.shows... There is no problel whatsoever. New victims are still
:28:27. > :28:29.being stung. That is all from the inside out team this week. We'll see
:28:30. > :28:31.you next Monday with more stories and investigations from arotnd the
:28:32. > :29:03.South West. See you then. Hello, I'm Ellie Crisell with
:29:04. > :29:06.your 90 second update. There's no return
:29:07. > :29:08.if you decide to leave the UK. David Cameron's message to Scotla.d
:29:09. > :29:11.ahead of this week's vote ovep The Yes campaign's Alex Calmond
:29:12. > :29:15.has branded claims that priceq Two British tourists have "een
:29:16. > :29:21.murdered on a beach in T`ailand Police said 24-year-old Da6id Maller
:29:22. > :29:25.and Hannah Witheridge, w`o's 03$ He's the child aancer qpecialist
:29:26. > :29:32.who's admitted abusing young `oys Dr Myles Bradbupy worked
:29:33. > :29:36.ap Addenbrookes in am`rad'e.