14/11/2011 Inside Out South


14/11/2011

Jon Cuthill investigates how pensioner Rosalee Reeves-Fisher signed up to a property deal which led to her losing her family home.


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Transcript


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Good evening. Welcome to Inside Out. Here is what is coming up: The

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Sussex pensioner who lost her home. We investigate her lawyer and put

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his legal advice under the spotlight. My whole life has been

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ruined. That is what has happened. I do not have the courage to commit

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suicide. Did this solicitor fail in his duty to protect her? We are

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from BBC Inside Out. The Oxford housing crisis. Government cuts

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that could force residents out on the street. It might not be a

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palace but is my palace. I do not want to move. They cannot give it

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and then take it away. Four men in a boat. With 3,000 miles to go, the

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crew start to wonder, whose stupid idea was this? What is up? I cannot

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believe I am the first one to cry. First tonight, I need to raise some

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cash. �1 million. Do not worry, I have a plan. I am going to use your

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eyes to secure the funds. He is an investment. We will be quids in. I

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will get a solicitor to look at it. What could go wrong? Did you think

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the donkeys will miss this place? - - do you think? They have a nice

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house here. Two years ago we brought you the story of how

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Rosalie Reeves-Fisher broke into their own home after a mortgage

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company evicted her. Rosalie had lived at her family home for nearly

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40 years. Then she fell under the spell of a woman named Sheila Mason.

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She up persuaded Rosalie to use her family home as security for a loan

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of �1 million. Sheila pollute the cash and left Rosalie with a loan

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that she could never payback. The bailiffs came up to take possession

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of a house. Michael, it is urgent, where every you are, the bailiffs

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are here. Everybody must leave the property. We have a court order.

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were filming but the bailiffs ordered us off the premises. I am

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not moving from his house. After our intervention and at the very

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last minute, a phone call came through and the eviction was called

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off. I need to inform you the eviction is withdrawn. They have

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withdrawn it! Come and have some champagne. Come on in. They are

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swines. Come in and have a drink. Two years on, eviction looms once

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more. This time, Rosalie has no choice but to sell because of her

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spiralling debts. The mortgage company trying to repossess medal

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Hill said Rosalie had been properly represented by a solicitor. They

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could not be accused of any reckless lending, they said.

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Tonight, we investigate that solicitor and ask did he fail in

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his duty to protect? Moving out day is fast approaching. At 74, Rosalie

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has got to pack generations of family life into boxes and crates

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and prepare for the journey to a new home. I have lost my life and

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home. The home is my life. It is with the animals and doing the

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garden. I have had guests and things. My whole life has been

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ruined. That is what has happened. I have not got the courage to

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commit suicide. A lot of people have said that, I have said my life

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is gone. It has, in a way. A local solicitor warned Rosalie not to get

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involved with Sheila Mason's plant and a London bank also turned the

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women away. Sheila Mason persevered and found a loan broker in a very

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remote part of the UK. The River Usk. Some of the best fishing in

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the country. Why would Rosalie who lived in Sussex and Sheila who

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lived in Surrey travel all the way to Wales? We left here about five

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AM. She came and picked me up. I fell asleep, which is nothing

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unusual, on the route. It was quite a long journey. The appointment was

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2pm. Usk was home to Lerwich Commerical Mortgage Corporation it

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will arrange a loan even if it is not your property. It was exactly

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what Sheila was looking for. It came up with a solicitor. I spent

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20 minutes with Mr Townsend. Scheele said when we were coming

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home, did he give you advise? I said, no, he did not. The broker

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for Rosalie's �1 billion mortgage was ain't man called Geoffrey. We

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are not saying he has done anything wrong. Remember the mortgage

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company said Rosalie had been properly represented by a solicitor.

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That solicitor was a man a name to Geoffrey Townsend. As well as

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sharing the same first name, the two men have something else in

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common. They were business partners. We have discovered nine businesses,

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including loans and mortgage companies, where these two men were

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directors. House solicitors act is regulated. Did Mr Townsend's

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business relationship with the broker affect the advice he gave

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Rosalie and put him in breach of the code of conduct? You must not

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use your position to take unfair The borrowers came a long way. One

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came from Sussex to the west of the country. That was to take

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independent advice. You begin to wonder whether that is possible.

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is not the first time Mr Townsend has a breach the guidelines. He was

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fined �3,000 by the regulator before he even met Rosalie. Perhaps

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the most worrying part of the case is that a Geoffrey Townsend

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represented both Rosalie and Sheila. Where there are no common interests,

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unlike married couples, both parties need separate solicitors.

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The code is quite clear. You must not act if there is a conflict of

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interest and if you are a separate There is every indication there was

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going to be a fall-out between the parties or if there was not a fall

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out, there was the risk if the loan was called in, that only one party

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would have assets to me that obligation. In those circumstances,

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I think it is very foolhardy for somebody to accept instructions

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from both borrowers. I think it would have been evident to we

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solicitor who had just qualified. Alarm bells should have rung. I

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think they should have been lights flashing round the room. Under the

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threat of eviction, Rosalie has found a buyer and we use the

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proceeds to pay back the loan. There is interest of more than

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�200,000. Did you ever think this day would come? Well, I had hoped

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it would not and why I have been hit in this way I do not know.

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what I have seen so far, I think Mr Townsend have a lot to answer for.

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Having seen the evidence, he was reported to the regulator. It has

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the power to order the solicitor to pay Rosalie compensation. As for Mr

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Townsend himself, he claims he does not have upshot's News Of The World

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-- paperwork and cannot help. We have tried hard to get some answers.

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It is time for one more go. Hello. We are from BBC Inside Out. Can I

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just ask about Rosalie Reeves- Fisher? Why did you give her advice

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and sort out a loan which would mean she would have to leave her

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house? Surely that was a breach of conditions, working for both

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parties, Sheila Mason and Rosalie Reeves-Fisher? I think she deserves

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some answers because she has lost her house. Hopefully Rosalie will

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have more or log trying to get compensation. Rosalie's legal

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battles are far from over. But life at Meadowhills has finally come to

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an end. It is time to say goodbye to her family home. They have

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broken my life. They have killed me. I might as well just go to sleep.

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My father died at 75 and I would not be surprised if I die it then.

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The only thing that keeps me alive is to look after the cats and the

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donkeys. It has all now ended. All due to something I never understood.

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Not nice. But I hope I will get some justice.

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Rosalie's fight for that justice goes on. Next, supply and demand.

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There is a huge need for social housing in the south. There simply

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is not enough. Rents are sky high a in the private sector and housing

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charity Shelter is warning more people will become homeless because

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of changes to benefits. There is such a shortage of housing

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in Oxford but many of the 6,000 people on the council's waiting

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list are unlikely to ever be harassed. Add to that 165 people in

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temporary accommodation, you might have dreaming spires, but you also

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have a housing nightmare. Of course, that is bad news if you're waiting

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for somewhere to live. It is great news if you of one of the biggest

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private sector landlords in Oxford. Meet Tariq Khuja. He owns and

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manages 350 properties in the city and he is constantly on the lookout

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for more. If the price is right, then we will buy it. It has

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potential, that is a bonus. It works quite well. You can buy a

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property, one house, and then divided into three units of

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accommodation and it pays double the amount. Unlike many landlords

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in Oxford, Tariq Khuja is happy to take people on housing benefit and

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any bit of land is a potential earner. I purchased this property

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some time ago and the adjacent property came up for sale. I bought

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it as quickly as I could because what I was after his this land in

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between. In his area, there is lots of development. I am hoping to

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obtain planning permission to build, ideally, two flats and have two

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separate units of accommodation. That would be two sets of income.

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If I build a two bedroom house. Tariq Khuja is interrupted. Two

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residents on the estate walk past and mention they are not happy with

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some of the tenants of Tariq Khuja brings to the area. Not everybody

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in Oxford likes me very much! I do not care what people think. I do

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what I can to improve my life and other people's. The abuses -- the

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abusive passer-by a says he is not improving her life. You approach

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him and he does nothing about it. He puts more people in there in the

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same situation. Yes they have a right to be housed but it is what

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they are doing and the trouble they are causing. There is a stigma

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attached to people on benefit. People do not accept that people

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land on hard times. I do not know how we do get away with building

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houses and putting people like the people he puts in there when there

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are families around. We have had so much -- so much trouble. Nobody has

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This is five minutes from the centre of Oxford. Like many service

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areas, this has got a chain of hotels. But this one behind me has

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been used to house people in emergencies by Oxford City Council

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before they find them somewhere to live. For a whole week, Matt and

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his partner have lived here with their baby, Jessica. Matt is

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finding it hard to get work and they cannot afford to buy anywhere.

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They ask for council help. We are staying with my mother had it is a

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bit overcrowded. Everything comes to a head and we have been asked to

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leave. This is where the council has put up. Having put up with this

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for a week, he is going back to the council, hoping to get something

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more permanent. Today, he is in luck as long as he signed up

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straight away. He will live in an area he does not know. You have

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guessed it, it is owned and managed by Tariq Khuja. This is a property

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of the council which has been given to us temporarily. Not ideal. But

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upstairs, I will show you the bedroom. The rent is just over

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�1,000 per month. This is temporary. We could be here for up to three

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months. It is not great but the council is footing most of the bill.

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They are running businesses and they are entitled to charge the

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full back. They did not have made's rates. It is chronic and acute. We

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have got massive housing need and not enough social housing. We have

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got a private rented sector becoming unaffordable because of

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benefit changes. We put them into places like this as briefly as

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possible until we can find somewhere better for them are. But

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we have problems also in accommodation for the same reasons.

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My daughter is nine weeks old. My partner does not want Jessica here.

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I did not know if my mother will have her overnight or one of us

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stays here and one stays at my mother's. Just until we get things

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sorted. It is a period of dramatic change in housing benefit. From

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January next year instead of people under 25 it will be anyone under 35

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that only qualifies for housing allowance in a room in a shared

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house. Somebody currently in a flat will see a drop in benefit and have

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to move, it they can find somewhere else. Is used to be a family house.

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It has been rented for a few weeks. We will refurbish the property and

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make it into a HMO up. That means it should provide four or five

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rooms. Just around the corner is one of his tenants, directly

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affected by the new allowances. Adrian is 32. He will have to move

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to a single room. Gutted. It took me ages to get hit. It is not

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really a palace but it is mine. I have built it up and done

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everything I can and I do not want to move. I get somewhere and they

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changed the law. How does that work? Ridiculous. This is paid for

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by the council? Yes. And in their eyes they are paying and I should

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be grateful for what I get but they cannot even be supping and take it

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away. We will put a new kitchen in here. -- give me something. This

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will be 80 middle kitchen. He will move from his own bathroom and

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kitchen. I am a diabetic and I keep insulin in the fridge. It is

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medication that has got to be kept safe. What do I do? It is

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government policy that is at fault. This for me is policy-making

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addressing places like Westminster and Kensington where people were

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claiming benefit on expensive properties. The government view is

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they should move to places like Peckham. At might work in London

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but not Oxford because they have not got anywhere to go. The benefit

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cuts were designed to force landlords to reduce rent. That is

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not happening but it is happening - - having an effect. It has already

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got worse. Since April this year when allowances were reduced, there

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has been a massive influx of homeless people. But that will not

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save money? It will cost a lot more money. It will not save money. It

:18:35.:18:40.

will put a greater burden of local government at a time when funding

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is being reduced and we are being asked to make major efficiencies

:18:44.:18:51.

and savings. Meanwhile, Matt is still living at Tariq Khuja's

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temporary accommodation but he has found another place. As soon as

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this is empty, we have got seven days to turn it around and get it

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ready to that. But generally we get it done on the same day. It is a

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big demand. At least he has got some comfort from the housing

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nightmare in the City of dreams and spies. We have got somewhere else

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to live. -- spires. We are moving Finally tonight, we are all at sea.

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Four men, one boat and 3000 miles. They are rowing from Australia to

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Mauritius. By the looks of it, they are all completely unsupported!

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The Indian Ocean. Land a distant memory, with only an albatross for

:19:47.:19:52.

company. I think it's official, I'm going mad. I think the other boys

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probably are too. I've been talking to myself quite a lot now. Wild

:19:58.:20:02.

weather, deadly currents and broken bodies. The sea continues to punish

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us. This environment is completely unforgiving. My body is in utter

:20:06.:20:13.

pain. In April, an Army captain from Dorset and three chartered

:20:13.:20:19.

surveyors set out. What they knew would be a great physical challenge

:20:19.:20:22.

would also question their beliefs. In the last week or so, our faith

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in God certainly has been really tested. What's up? I can't believe

:20:29.:20:34.

I'm the first one to cry. This epic journey has taken the team three

:20:34.:20:43.

It is exactly 8 o'clock in the evening on Friday 11th March.

:20:43.:20:46.

team is preparing to row more than 3000 miles from Australia to

:20:46.:20:53.

Mauritius. That's 3000 miles worth of legs and arms. Engines are for

:20:53.:21:00.

wimps. What does that represent? Our sleeping and the area that we

:21:00.:21:04.

are confined to. Next stop, Geraldton on the West Coast of

:21:05.:21:09.

Australia. Time for the crew to acclimatise while they wait for the

:21:09.:21:19.
:21:19.:21:22.

boat to arrive. Indian Runner 4 is 29 feet long with a small sleeping

:21:22.:21:25.

cabin at each end. It will have to carry everything that they will

:21:25.:21:29.

need for 70 days at sea. I just haven't got a clue what's out there,

:21:29.:21:32.

both in terms of how I will cope physically, mentally, how I will

:21:32.:21:36.

cope personally with being at sea, never been before. I'm looking

:21:36.:21:41.

forward to the experience, looking forward to seeing how I cope.

:21:41.:21:47.

don't really have any doubts. The only problems could be the

:21:47.:21:50.

unpredictable weather, the ocean I think is the only thing that will

:21:50.:21:55.

stop us. Dear diary To supplement Ed's Journal, the crew will film a

:21:55.:22:01.

video diary of their voyage. They've got to rack up 50 miles a

:22:01.:22:05.

day, rowing around the clock if they are to beat the record of 69

:22:05.:22:15.
:22:15.:22:22.

The wind has been pushing against us all day and now it has started

:22:22.:22:30.

tipping with rain. He is down on the oars and I have battered down

:22:30.:22:33.

the hatch and I will go on in 25 minutes and I tell you what, we

:22:34.:22:43.
:22:44.:22:44.

didn't sign up for this. Two and a half weeks in and unfavourable

:22:44.:22:47.

crosswinds are slowing progress. Skipper James has tendonitis in his

:22:47.:22:50.

lower legs. The sea continues to punish us. This environment is

:22:50.:22:53.

completely unforgiving. My body had the moment is in utter pain with my

:22:53.:22:56.

right shoulder. Every time I pull on the oar it feels like someone is

:22:56.:23:02.

trying to rip my arm out of its socket. 50 days to go. I need to

:23:02.:23:04.

find some form of equilibrium or pain threshold that is sustainable

:23:04.:23:14.
:23:14.:23:16.

for the rest of this trip. Day 22. Saturday May 14th. We are just

:23:16.:23:24.

having our 1000 mile celebration. Awesome party! It is really good.

:23:24.:23:29.

Glad so many people could come. What was the theme? The theme was,

:23:29.:23:35.

Row, Row, row your boat. And you have come as a cave man. I thought

:23:35.:23:44.

I'd give you a little insight into my view most afternoons. And most

:23:44.:23:49.

mornings. But a month in and a series of equipment failures and

:23:49.:23:55.

uncooperative winds are taking their toll. What's up? I can't

:23:55.:24:01.

believe I'm the first one to cry. Why is it so emotional? Nothing

:24:01.:24:04.

just seems to work and we just can't find a solution to the

:24:04.:24:13.

steering and now we're got amazing conditions to row in. -- we have

:24:13.:24:17.

got. The steering has gone wrong, the hand steering has gone wrong.

:24:17.:24:21.

We've broken two auto pilots and we have got 1800 miles to go. I feel

:24:21.:24:25.

like crying as well. It is looking a bit bleak at the moment, but we

:24:25.:24:28.

will get through it. This is probably the lowest point that I

:24:28.:24:32.

have had so far. And we have got to really grip now. It is grin and

:24:32.:24:42.
:24:42.:24:42.

bear it time. We need to work as a It is 25th of May. I think it is

:24:42.:24:49.

fair to say we are deteriorating. We are all losing weight now. We

:24:49.:24:57.

are on double rations for lunch. We are all so hungry. That is as far

:24:57.:25:06.

as I can close my fingers. I've got to wake up early now so that I can

:25:06.:25:09.

do these sorts of exercises, for 10 minutes or so, to make sure I can

:25:09.:25:14.

grip the oar. The poor conditions continue and they can't increase

:25:14.:25:17.

their daily mileage. They're beginning to feel it is an

:25:17.:25:24.

impossible task. We are going over and over in my head what it would

:25:24.:25:29.

like if we don't get this record. I'd been so confident until this

:25:29.:25:33.

point, for the last three years we were going to do it. And now maybe

:25:33.:25:40.

it is slowly slipping from our grasp. I don't know. After weeks of

:25:40.:25:43.

seeing nothing but the horizon and each other, a spectacular visitor

:25:43.:25:53.

comes to the sea. What have you spotted? That is a whale, man. We

:25:53.:25:56.

have been for a full hour and a half swimming with this amazing

:25:56.:26:06.
:26:06.:26:08.

wail. -- whale. We took it in turns to jump in the water. I went first

:26:08.:26:11.

and was pretty apprehensive, I wasn't really sure if whales eat

:26:11.:26:15.

you or not. I didn't think they did. Wow! Diving with a whale in the

:26:15.:26:19.

middle of the Indian Ocean with six kilometres of water below us and it

:26:19.:26:26.

Down to 8 miles a day instead of the target 50, the crew now know

:26:26.:26:34.

they have lost the record. To add to the misery, with only 100 miles

:26:34.:26:37.

to Mauritius, the wind and sea is against them again. They

:26:37.:26:40.

reluctantly deploy the Para Anchor to stop drifting backwards.

:26:40.:26:44.

miles should only be a couple of days. Four days ago, we're only 135

:26:44.:26:49.

miles away. But we just can't get near the island and we are being

:26:49.:26:52.

pushed too far south. If we are pushed further south we will never

:26:52.:27:02.
:27:02.:27:02.

Four days later, the end is in sight. We are now only one mile

:27:02.:27:07.

from the finish. This time I will go to tell the guys how we are

:27:07.:27:13.

doing. They are one stone lighter in weight and scientific tests show

:27:13.:27:16.

their brain reaction times have actually slowed down. On dry land

:27:16.:27:19.

in Mauritius, with their coach Nick Knight, the team gives a press

:27:19.:27:23.

conference. Rupert Harding, News of the World. Is it true that you

:27:23.:27:28.

prayed every day? Dan gave us a set of thoughts for the day. We did

:27:28.:27:30.

actually really genuinely found them of huge encouragement,

:27:30.:27:37.

actually. Then we finished off with a hymn and none of us knew the

:27:37.:27:45.

words. Could we have a rendition? We will give you a little song. You

:27:45.:27:55.
:27:55.:28:03.

know we belong together! You and I forever and ever. No matter where

:28:03.:28:07.

you are, you're my guiding star. their families meet them at the

:28:07.:28:09.

finish, time to reflect on an experience few people will ever

:28:09.:28:14.

have. They have been some pretty big highs and lows. I was asked

:28:14.:28:17.

yesterday whether I was finally at one with the ocean. I probably am

:28:17.:28:22.

now. Home and away. And as far as we know, they are still talking to

:28:22.:28:28.

each other, just. That's it for now. Don't forget to e-mail me. I'll see

:28:28.:28:37.

you next week. Hi, I'm Steve Lang, Universal Group. We gatecrash this

:28:37.:28:40.

man's seminar, which claims to offer financial peace of mind to

:28:40.:28:47.

the elderly. Why are you selling a product when you are possibly,

:28:47.:28:51.

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