0:00:05 > 0:00:09Tonight, the mortgage deal which traps you in your own home.
0:00:09 > 0:00:11The product that they have encouraged people to sign is
0:00:11 > 0:00:16at fault, at risk, unfair and oppressive.
0:00:16 > 0:00:19Did someone slip up over landslides?
0:00:19 > 0:00:23This is get out and leave it and walk away.
0:00:23 > 0:00:28And how desperate families `re looking abroad for medical help
0:00:28 > 0:00:31The NHS had told you there was no hope?
0:00:31 > 0:00:33Yeah, they did and if we had have listened,
0:00:33 > 0:00:35we wouldn't be sitting here now
0:00:35 > 0:00:40I am John Cuthill and this hs Inside Out for the South of England.
0:00:51 > 0:00:53First tonight, a prisoner in your own home.
0:00:53 > 0:00:57The mortgage deal which promised access to yotr own
0:00:57 > 0:01:00cash but has left some homeowners in the South unable to move.
0:01:00 > 0:01:04Nick Wallis explains.
0:01:12 > 0:01:16Brian Daltrey has lived a lhfe surrounded by family and adventure.
0:01:16 > 0:01:19He seemed set for a long and happy retirement
0:01:19 > 0:01:22in the New Forest but 16 ye`rs ago, Brian took out a financial product
0:01:22 > 0:01:28which has nearly ruined him.
0:01:29 > 0:01:32It is a type of mortgage which leaves people helpless,
0:01:32 > 0:01:37as day by day, brick by brick, their homes are taken from them
0:01:37 > 0:01:41Campaigners say these products should never have been sold to
0:01:41 > 0:01:43thousands of elderly people like Brian and we believe
0:01:43 > 0:01:48the banks broke their own voluntary code when they did so.
0:01:48 > 0:01:51The fact is, they were toxic, they were poisonous,
0:01:51 > 0:01:53they were exploitative. They should never have been issued.
0:01:53 > 0:01:55It just seems like an utter disgrace.
0:01:55 > 0:01:57It's almost robbery.
0:01:57 > 0:02:03In 1960, Brian took his famhly to Africa and spent the rest of his
0:02:03 > 0:02:07career there. It was a wonddrful time but as a guest worker hn a
0:02:07 > 0:02:09foreign country, Brian didn't get a pension.
0:02:09 > 0:02:12After a few years of retirelent money was getting tight so Brian
0:02:12 > 0:02:16decided to release some of the equity in his house
0:02:16 > 0:02:19by taking an interest`free loan from the Bank of Scotland.
0:02:19 > 0:02:25He borrowed ?35,000 and agreed that in return, the bank
0:02:25 > 0:02:30would take 75% of any of thd increase in the value of his home.
0:02:30 > 0:02:34At the time, he thought it was a good de`l.
0:02:34 > 0:02:38Miniskirt days! MGB.
0:02:38 > 0:02:41It was good to have an MGB in the tropics because you could
0:02:41 > 0:02:44take the hood off and forget it
0:02:44 > 0:02:48I just thought, go for it. I'm that sort of person.
0:02:48 > 0:02:53I went for it in Africa. That's the sort of thing I do.
0:02:53 > 0:02:56You might call it a weakness or not. But anyway...
0:02:56 > 0:02:59Brian signed up to a shared appreciation mortgage, a product
0:02:59 > 0:03:02which was only ever offered by Barclays and Bank of Scotland for
0:03:02 > 0:03:06two years between 1996 and 0998
0:03:06 > 0:03:10The Bank of Scotland gave Brian ?35,000 cash, interest`free,
0:03:10 > 0:03:14in return for 75% of any future increase
0:03:14 > 0:03:16in the value of his propertx.
0:03:16 > 0:03:19Right now, Brian's home is worth ?450,000.
0:03:19 > 0:03:23If he sold it tomorrow, he would have to hand over lore than
0:03:23 > 0:03:29?232,000 to the Bank of Scotland, plus the original ?35,000 loan.
0:03:29 > 0:03:33A return for the bank of 664%.
0:03:33 > 0:03:37To put it another way, in 1898, the bank lent Brian 25%
0:03:37 > 0:03:43of the value of his propertx. As of now, it owns 59%.
0:03:43 > 0:03:46That percentage will keep growing as the value
0:03:46 > 0:03:53of Brian's property goes up.
0:03:53 > 0:03:59Did the bank at any stage s`y you need to go and get independdnt
0:03:59 > 0:04:02financial advice about this product before signing up to it?
0:04:02 > 0:04:03I don't remember them doing that.
0:04:03 > 0:04:06It's quite possible there mhght be a clause somewhere in
0:04:06 > 0:04:07the contract advising me to do it.
0:04:07 > 0:04:10But no one ever said it to xou and no one drew
0:04:10 > 0:04:12your attention to that causd.
0:04:12 > 0:04:13No, I don't think so.
0:04:13 > 0:04:16Every day that goes by, the Bank of Scotland owns a greater
0:04:16 > 0:04:17percentage of Brian's bungalow.
0:04:17 > 0:04:19The deal only ends when Brian sells up.
0:04:19 > 0:04:22The moment he does, the bank will take its shard
0:04:22 > 0:04:25and Brian will not be to afford anything suitable with what's left.
0:04:25 > 0:04:28He's trapped. And he's not alone.
0:04:28 > 0:04:32Nearly 12,000 shared apprechation mortgages were sold by the Bank
0:04:32 > 0:04:37of Scotland and Barclays and many thousands of people are stuck.
0:04:37 > 0:04:40I took it to the ombudsman and they seemed as
0:04:40 > 0:04:42though they were interested.
0:04:42 > 0:04:44They spent several weeks, interviewing banks and things
0:04:44 > 0:04:46like that.
0:04:46 > 0:04:49Finally, they declared that they didn't have enough authoritx to
0:04:49 > 0:04:52do anything about it.
0:04:52 > 0:04:55Inside Out asked the Financhal Ombudsman which exists to rdsolve
0:04:55 > 0:04:57complaints between banks and customers why they couldn't help.
0:04:57 > 0:05:00What they told us was extraordinary.
0:05:00 > 0:05:04Barclays and the Bank of Scotland set up a series of entirely separate
0:05:04 > 0:05:07companies to administer shared appreciation mortgages.
0:05:07 > 0:05:10Because these new companies were not signatories to the banking code
0:05:10 > 0:05:13the ombudsman was powerless.
0:05:13 > 0:05:17Brian's situation does seem pretty hopeless.
0:05:17 > 0:05:22He signed away 75% of the future growth of hi only
0:05:22 > 0:05:25He signed away 75% of the future growth of his only
0:05:25 > 0:05:26asset, his home, for ?35,000 in cash.
0:05:26 > 0:05:28Now he is living with the consequences.
0:05:28 > 0:05:30Should we say tough luck, you agreed the deal?
0:05:30 > 0:05:32Or has he paid enough for his mistake?
0:05:32 > 0:05:35Should these products have dver have been made available
0:05:35 > 0:05:36in the first place?
0:05:36 > 0:05:38Absolutely not and the banks know perfectly well that
0:05:38 > 0:05:41they should never have been made available because after two years,
0:05:41 > 0:05:43they stopped making them av`ilable.
0:05:43 > 0:05:46Why should they let people off the hook for deals that they
0:05:46 > 0:05:48willingly and knowingly signed?
0:05:48 > 0:05:53The answer is they should do so when they realise that the product
0:05:53 > 0:05:58that they have encouraged pdople to sign is at fault, at risk,
0:05:59 > 0:06:02unfair and oppressive.
0:06:02 > 0:06:06One man who has spent most of his career studying banks
0:06:06 > 0:06:08and the way they behave says shared appreciation mortgagds are
0:06:08 > 0:06:11particularly bad.
0:06:11 > 0:06:14It just seems like an utter disgrace.
0:06:14 > 0:06:18It's almost robbery. It is usuary.
0:06:18 > 0:06:22It's a form of lending which is exploiting the ignorance
0:06:22 > 0:06:24of the customer. I think it is really unhealthy.
0:06:24 > 0:06:29It's got to be stopped.
0:06:31 > 0:06:33Hello!
0:06:33 > 0:06:36Edna Robson borrowed ?15,000 through a shared appreciation mortg`ge
0:06:36 > 0:06:39on her property in Chelmsford.
0:06:39 > 0:06:44Now she's in a care home with advanced ddmentia.
0:06:44 > 0:06:48When she sold her house for ?182,000, Barclays were entitled
0:06:48 > 0:06:53to help themselves to more than half of it, ?96,000.
0:06:53 > 0:07:00The remainder will soon be swallowed up by the 24`hour care she needs.
0:07:00 > 0:07:03I think it is a fundamentally unfair product because of the amount
0:07:03 > 0:07:05of money they had to take b`ck.
0:07:05 > 0:07:07There is no need to take that amount of money.
0:07:07 > 0:07:10I mean, if they had taken two or three times the initial loan,
0:07:10 > 0:07:15that would have been ample but to take six times the amount of the
0:07:15 > 0:07:18original loan seems to me to be ..
0:07:18 > 0:07:21Elderly people who want to borrow a small amount of money
0:07:21 > 0:07:23and they are punished.
0:07:23 > 0:07:28My mum cannot afford to pay any care now.
0:07:28 > 0:07:31The bank has robbed my mum of the ability to look after
0:07:31 > 0:07:34and pay for herself. They just don't want to know.
0:07:34 > 0:07:38They pay themselves big fat bonuses and at the end of the day,
0:07:38 > 0:07:40all of these elderly people who took out shared appreciation mortgages
0:07:40 > 0:07:43are being stitched up.
0:07:43 > 0:07:46As far as we have been able to find out, there is no recorded instance
0:07:46 > 0:07:49of either Barclays of the B`nk of Scotland agreeing to change
0:07:49 > 0:07:50the terms of these mortgages.
0:07:50 > 0:07:54It means that every day has prices go up is another brick or roof
0:07:54 > 0:07:58tile that these mortgage customers have to hand over to their bank
0:07:58 > 0:08:00In the mid`2000s, a Parliamdntary campaign led to
0:08:00 > 0:08:03Barclays setting up a hardship fund.
0:08:03 > 0:08:05The Bank of Scotland refused to follow suit
0:08:05 > 0:08:10saying they would look at e`ch individual case upon applic`tion.
0:08:10 > 0:08:15In 2009, victims raised mord than ?1 million for a fighting fund
0:08:15 > 0:08:18and took the banks to court hoping to prove that shared apprechation
0:08:18 > 0:08:21mortgages were unfair to customers.
0:08:21 > 0:08:24One of the campaigners lives in Swanage.
0:08:24 > 0:08:28We thought it was all go, go, go. Great.
0:08:28 > 0:08:33The solicitor said she had run out of money and went back, wanted us to
0:08:33 > 0:08:39go back to the members, the shared appreciation mortgage holders,
0:08:39 > 0:08:43to put in another 5,000 each.
0:08:43 > 0:08:47And many of them couldn't do it
0:08:47 > 0:08:50The banks kept applying leg`l and technical arguments unthl
0:08:50 > 0:08:53the victims' fighting fund ran dry.
0:08:53 > 0:08:58They were then forced to sign gagging orders
0:08:58 > 0:09:00or pay the banks' costs.
0:09:00 > 0:09:03Not only could they never ahr their grievances again.
0:09:03 > 0:09:05The banks escaped the scruthny of a judge as to whether
0:09:05 > 0:09:07the mortgage contracts were unfair.
0:09:07 > 0:09:09Although there was very little regulation around mortgage products
0:09:09 > 0:09:12in the 90s, both Barclays and the Bank of Scotland were
0:09:12 > 0:09:14signatories to the banking code
0:09:14 > 0:09:17This code requires banks to act fairly and reasonably,
0:09:17 > 0:09:19ensure all services and products comply with thd code,
0:09:19 > 0:09:24subscribe to the financial obligations of the mortgage.
0:09:28 > 0:09:31Because the banking code was administered by the Banking Codes
0:09:31 > 0:09:34Standards Board which doesn't exist any more, we went to the Financial
0:09:34 > 0:09:38Conduct Authority and the British Bankers' Association and ask them if
0:09:38 > 0:09:40they thought that Barclays and the Bank
0:09:40 > 0:09:43of Scotland was breaching the code over shared appreciation mortgages.
0:09:43 > 0:09:46Both organisations refused an interview saying the subject
0:09:46 > 0:09:51matter was outside their relit.
0:09:51 > 0:09:55Inside Out South contacted Barclays and the Bank of Scotland
0:09:55 > 0:09:59and asked them to explain how setting up companies outsidd
0:09:59 > 0:10:02the scheme ensured all prodtcts complied with the banking code.
0:10:02 > 0:10:05We ask them if their customdrs were made fully aware of what wotld
0:10:05 > 0:10:09happen if property prices would rise in the way they did and we `sked
0:10:09 > 0:10:11given how much has prices h`d risen, were they being fair and re`sonable?
0:10:15 > 0:10:18Both Barclays and the Bank of Scotland refused to give this
0:10:18 > 0:10:23programme interview but thex denied breaching the banking code `nd say
0:10:23 > 0:10:25in all circumstances, they strongly advise customers to get proper,
0:10:25 > 0:10:28independent financial advicd.
0:10:28 > 0:10:31The Bank of Scotland told us that customers
0:10:31 > 0:10:35were required to sign a doctment confirming they fully understood the
0:10:35 > 0:10:37nature of the product and B`rclays say they required confirmathon
0:10:37 > 0:10:41from the borrowers' solicitor that independent advice had been taken.
0:10:41 > 0:10:44Both banks also say that thdy were unable to release anyone
0:10:44 > 0:10:47from the terms of their mortgages, for instance by capping the amount
0:10:47 > 0:10:51to be repaid, because the rhghts to the profits had been packagdd up
0:10:51 > 0:10:54and sold on to other investors.
0:10:54 > 0:10:58Barclays told its hardship scheme can allow elderly customers to get
0:10:58 > 0:11:02a new mortgage from them when they move home or if they want
0:11:02 > 0:11:04to stay in their existing property, they can apply for grants.
0:11:04 > 0:11:07Bank of Scotland say despite not having
0:11:07 > 0:11:10a hardship scheme, it has bden able to give grants to people to
0:11:10 > 0:11:13buy things like stair lifts.
0:11:16 > 0:11:19Brian doesn't drive much anx more but once a week, he lays flowers
0:11:19 > 0:11:20at his wife's grave.
0:11:20 > 0:11:23It gives him the opportunitx to think about the time they spent
0:11:23 > 0:11:25together and what the futurd might
0:11:25 > 0:11:28hold for him.
0:11:28 > 0:11:31I think when we took this ddal out, 16 years ago,
0:11:31 > 0:11:34with the Bank of Scotland, Jo and I both thought it was a great idea.
0:11:34 > 0:11:39And using a property value which is something in the ahr,
0:11:39 > 0:11:44it was giving us cash which we could live on was a great idea.
0:11:44 > 0:11:48But now, 16 years on, it gets to a point where I need more
0:11:48 > 0:11:54help in terms of care.
0:11:54 > 0:11:58I think she would be quite concerned really that
0:11:58 > 0:12:03the bank had defaulted in a way and we owe them ?250,000 for
0:12:03 > 0:12:07something, for a miserable loan of
0:12:07 > 0:12:10?35,000. I think she would find that quite shocking.
0:12:10 > 0:12:18She devoted herself to my wdlfare throughout her whole life.
0:12:18 > 0:12:21Right now, Brian is surviving but he doesn't know what he will do
0:12:21 > 0:12:24if he loses his independencd.
0:12:24 > 0:12:27Do you regret taking out that mortgage?
0:12:27 > 0:12:31Well, the way it has turned out yes, I do.
0:12:31 > 0:12:34It has put me in an impossible situation.
0:12:34 > 0:12:38I have to regret taking it out.
0:12:38 > 0:12:42I think that is all I can s`y about that, really.
0:12:42 > 0:12:49I should have found another way of raising money to solve our problems.
0:12:49 > 0:12:52The way it has turned out, it's very unfortunate.
0:12:52 > 0:12:57I'm really in a difficult shtuation.
0:13:05 > 0:13:06Nick Wallis with that report.
0:13:06 > 0:13:12Don't forget, if you've got a story for us, do get in touch
0:13:12 > 0:13:16Next, they still don't know what the future holds.
0:13:16 > 0:13:20It was seven months ago that some residents were forced out of their
0:13:20 > 0:13:26homes by the latest landslide. Now, they want answers.
0:13:30 > 0:13:32Moments from the beach, uninterrupted sea views.
0:13:32 > 0:13:36You would think it would be a dream place to live
0:13:36 > 0:13:41but all is not well on the south coast of the Isle of Wight.
0:13:41 > 0:13:44OK, this is us. Come in.
0:13:44 > 0:13:47This has been the Wrights' family home for the
0:13:47 > 0:13:51past 36 years but seven months ago, they had to move out after `
0:13:51 > 0:13:55landslide. All nine houses on Undercliff Drive were
0:13:55 > 0:13:58evacuated when the road collapsed. Today, they are back sandwiching
0:13:58 > 0:14:00belongings.
0:14:00 > 0:14:03It is only a house when all is said and done
0:14:03 > 0:14:05but it can mean a lot to yot.
0:14:05 > 0:14:09You lose your stability if xou have nowhere to call your own.
0:14:09 > 0:14:13It is our history is here, hsn't it?
0:14:13 > 0:14:14The wettest winter on record,
0:14:14 > 0:14:16together with an already cr`cked and damaged road built
0:14:16 > 0:14:20on an active landslide, proved a disastrous combination
0:14:20 > 0:14:23Work to fix it had started, but then was abandoned.
0:14:23 > 0:14:27Undercliff Drive simply gavd way.
0:14:27 > 0:14:30This is the road resurfacing.
0:14:30 > 0:14:33The guys came along, dug down ten metres,
0:14:33 > 0:14:37didn't shore at the other side of the road up, as you can see.
0:14:37 > 0:14:40And when the rains came, obviously, the road fell into the hole
0:14:40 > 0:14:43they dug, which took our nehghbour's garden, their house and,
0:14:43 > 0:14:47really, the council have left us high and dry, yeah.
0:14:47 > 0:14:50Can you see that little cliff edge there?
0:14:50 > 0:14:52It is still moving.
0:14:52 > 0:14:55Slowed down a lot, but it's still moving.
0:14:55 > 0:14:57It is not like flooding, where it will clear
0:14:57 > 0:15:00and you can go back to some sort of house that's yours.
0:15:00 > 0:15:04This is get out and leave it and walk away.
0:15:04 > 0:15:09The insurance refused to pay for subsidence,
0:15:09 > 0:15:12because we haven't got any.
0:15:12 > 0:15:19And they say the house is insured, but the road isn't.
0:15:20 > 0:15:21And "we don't insure the ro`d".
0:15:21 > 0:15:23We'd only bought it 18 months ago.
0:15:23 > 0:15:24Now, we've lost our sale.
0:15:24 > 0:15:25We've lost everything.
0:15:25 > 0:15:28Literally everything.
0:15:28 > 0:15:30As well as people's homes, people's livelihoods are now in jeop`rdy
0:15:30 > 0:15:35This caravan park had to close,
0:15:35 > 0:15:38losing an entire season's income with no idea if it'll ever reopen.
0:15:38 > 0:15:41I've only hopefully got loss of earnings for one ye`r,
0:15:41 > 0:15:42under the insurance,
0:15:42 > 0:15:45but I'm in terrible trouble at the moment even to get that.
0:15:45 > 0:15:47After an advance payment on that.
0:15:47 > 0:15:52And I'm fast running out of money.
0:15:52 > 0:15:55It's the basic geology of this whole area
0:15:55 > 0:15:58that's at the heart of the problem.
0:15:58 > 0:16:03Layers of sandstone and clay slowly sliding into the sea
0:16:03 > 0:16:07and that's wreaked havoc on Undercliff Drive for years.
0:16:07 > 0:16:11Back in 1926, a huge landslide made headlhnes
0:16:11 > 0:16:15with deep cracks in the road just like today.
0:16:15 > 0:16:18In 2001, it happened again, leading to a scandal, with sackings
0:16:18 > 0:16:30and resignations at Isle of Wight Council.
0:16:30 > 0:16:33This time, residents accused the council of keeping them in the dark
0:16:33 > 0:16:36about what's going on and of taking months to come up with a solution.
0:16:36 > 0:16:38Meeting after meeting has bden held as residents
0:16:38 > 0:16:40wait for answers from the council.
0:16:40 > 0:16:41What've we learnt tonight?
0:16:41 > 0:16:43They've never been there by the sounds of it.
0:16:43 > 0:16:45They've never seen the placd.
0:16:45 > 0:16:48As time goes on, people livhng either side of the blocked road have
0:16:48 > 0:16:50joined the fight to get it reopened.
0:16:50 > 0:16:53I would like to think that our government, if it can pour
0:16:53 > 0:16:56money into the Somerset Levdls and the Thames Valley,
0:16:56 > 0:16:59why can't it help these poor house holders who've lost their homes
0:16:59 > 0:17:02Surely, it's the same parallel, there should be some help.
0:17:02 > 0:17:04There has been no help.
0:17:04 > 0:17:07A local town councillor has resigned over the issue,
0:17:07 > 0:17:11believing Island Roads and Hsle of Wight Council have been too cosy.
0:17:11 > 0:17:14The problem is they've almost protected each other
0:17:14 > 0:17:20and it has been difficult to get answers.
0:17:20 > 0:17:22And, if answers come, they're extremely delayed.
0:17:22 > 0:17:25We're talking now about nind victims.
0:17:25 > 0:17:28One of them, in fact, had lhved on Undercliff Drive for 35 xears.
0:17:28 > 0:17:32They're elderly pensioners, they've got no flexible income
0:17:32 > 0:17:34and now, their lives are in limbo.
0:17:34 > 0:17:38They've got no future to look forward to and this is hurthng.
0:17:38 > 0:17:41Many residents believe work to the road should never have been
0:17:41 > 0:17:44started during the wettest winter on record.
0:17:44 > 0:17:47With his caravan park still closed, Gary Smedmore's used
0:17:47 > 0:17:50the Freedom Of Information @ct to uncover a civil engineer's
0:17:50 > 0:17:54risk assessment for the Unddrcliff commissioned by the council.
0:17:54 > 0:17:58The risk assessment report hs quite damning, really.
0:17:58 > 0:18:01Civil engineers have said that they shouldn't go ahead
0:18:01 > 0:18:04in the inclement weather and it had highest possible risk of fahlure.
0:18:04 > 0:18:09They already knew the water level was on amber on the Underclhff
0:18:09 > 0:18:12in September and yet, they waited till November to start digghng and
0:18:12 > 0:18:18it was well on its way to rdd then, which was an imminent landslide
0:18:18 > 0:18:22And they failed to tell anyone on the Undercliff of the danger
0:18:22 > 0:18:27We asked the council for an intervie on numerous occasions.
0:18:27 > 0:18:29We asked the council for an interview on numerous occashons
0:18:29 > 0:18:31They declined.
0:18:31 > 0:18:34So we asked Island Roads, who has a ?260 million contract over
0:18:34 > 0:18:37the next 25 years to look after the Isle of Wight's roads.
0:18:37 > 0:18:40In your view, did the works going on at the time
0:18:40 > 0:18:42contribute in any manner to what happened?
0:18:42 > 0:18:44No.
0:18:44 > 0:18:46Simple as that?
0:18:46 > 0:18:48Yes.
0:18:48 > 0:18:53Can you see why residents are puttin two and two together?
0:18:53 > 0:18:57Can you see why residents are putting two and two together?
0:18:57 > 0:19:00Saying works is being carridd out in inclement weather.
0:19:00 > 0:19:03They'd seen a report, which says, look, this is a big risk.
0:19:03 > 0:19:05This is a risk about doing the works
0:19:05 > 0:19:07at a time of high water tables and bad weather.
0:19:07 > 0:19:09With regard to the works thdmselves, again,
0:19:09 > 0:19:11it's important to emphasise that these weren't works targeted
0:19:11 > 0:19:13at addressing the underlying geological instability in the area.
0:19:13 > 0:19:16Therefore, the landslip that took place over a 3km section,
0:19:16 > 0:19:19not just in the vicinity of the works,
0:19:19 > 0:19:22was something that couldn't have been predicted.
0:19:22 > 0:19:25With the whole area part of the biggest inhabitdd active
0:19:25 > 0:19:27landslide complex in western Europe, any man`made structure,
0:19:27 > 0:19:30like the road, is at risk.
0:19:30 > 0:19:32There's a gulley that comes down here.
0:19:32 > 0:19:36It has done perhaps for hundreds of years.
0:19:36 > 0:19:40And if you then fill that gtlly in, what you end up with is a shtuation
0:19:40 > 0:19:42where you are battling with nature, rather than working with nature
0:19:42 > 0:19:46Um, and nature wins and it's literally just washed
0:19:46 > 0:19:50the sort of blockage, sort of the road, out of thd way.
0:19:50 > 0:19:53Um, and so really, I guess ht's bad design over tens of years.
0:19:53 > 0:19:56So what would it take to fix this notorious stretch of road?
0:19:56 > 0:19:59It comes down to money at the end of the day.
0:19:59 > 0:20:03In terms of engineering, it's not a major problem.
0:20:03 > 0:20:05It's something that could be done very eashly.
0:20:05 > 0:20:07But it's going to cost.
0:20:07 > 0:20:10You know, it could cost tens of millions of pounds possibly
0:20:10 > 0:20:11to put this right.
0:20:11 > 0:20:15It's hard to say exactly, but it's an expensive task.
0:20:15 > 0:20:17It's not within the Island Roads contract to fix
0:20:17 > 0:20:20the landslip at Undercliff Drive.
0:20:20 > 0:20:23So, a few days ago, the council proposed spending not millions,
0:20:23 > 0:20:27but up to ?500,000 on the problem.
0:20:27 > 0:20:31A decision on how that'll bd spent will be made tomorrow,
0:20:31 > 0:20:35meaning there's no closure xet for the residents of Undercliff Drive.
0:20:35 > 0:20:39I'm 70 this year and I've had two heart attacks.
0:20:39 > 0:20:41It's just too much.
0:20:41 > 0:20:43It really is too much.
0:20:43 > 0:20:49But, you know, that's how it is
0:20:52 > 0:20:54And I'd love to hear your thoughts on that story.
0:20:54 > 0:20:57We're on Twitter, of course ` insideoutsouth.
0:20:57 > 0:21:00Now finally tonight,
0:21:00 > 0:21:04as we've seen in the recent case of the little boy with a brain tumour,
0:21:04 > 0:21:07desperate families will try anything to get the latest medical c`re.
0:21:07 > 0:21:10And when doctors here say nothing more can be done, some people
0:21:10 > 0:21:15simply refuse to believe it. Mark Jordan reports.
0:21:18 > 0:21:21We are at war with cancer.
0:21:21 > 0:21:29We have had our victories, but some battles are yet to be won.
0:21:29 > 0:21:31Each parent at this gathering knows their child might
0:21:31 > 0:21:34die from neuroblastoma, a rare childhood cancer.
0:21:34 > 0:21:37The way of thinking around the world, literally, is th`t,
0:21:37 > 0:21:39once you relapse with high`risk neuroblastoma,
0:21:39 > 0:21:43you have no chance of survival.
0:21:43 > 0:21:47What do you do when respectdd foreign doctors tell you
0:21:47 > 0:21:50they can better your child's chances?
0:21:50 > 0:21:52The figures in America come out between 20%
0:21:52 > 0:21:54and 30% extra chance of survival with immunotherapy.
0:21:54 > 0:21:57We had to raise funds to get our child to America.
0:21:57 > 0:22:00It must be terrible to be in a situation where you think
0:22:00 > 0:22:02there are no options available to you here,
0:22:02 > 0:22:07but they must be available somewhere.
0:22:07 > 0:22:11But by the end of the year, this same doctor will be administering
0:22:11 > 0:22:14one of America's most promising trials right here in Britain.
0:22:14 > 0:22:16And it will be a vaccine trhal. .
0:22:16 > 0:22:20APPLAUSE
0:22:20 > 0:22:23This is a story of faith, hope and charity.
0:22:23 > 0:22:27How ordinary people dug deep and reached for the clouds,
0:22:27 > 0:22:31cutting through the bureaucracy the NHS and the drug companhes,
0:22:31 > 0:22:38raising enough for one of the most promising trials to come to Britain.
0:22:38 > 0:22:41We've gotten to the point where we say,
0:22:41 > 0:22:45if someone isn't cured, what went wrong?
0:22:45 > 0:22:48To understand why these trials bring such hope,
0:22:48 > 0:22:52you need to meet Lilly MacGlashan from Dunst`ble
0:22:52 > 0:22:54You can see how veined her stomach was.
0:22:54 > 0:22:57I mean, she was more tumour than she was baby.
0:22:57 > 0:23:00Over the years, I've been fhlming her incredible journey.
0:23:00 > 0:23:03In 2011, NHS doctors said they could do no more
0:23:03 > 0:23:06when her neuroblastoma relapsed
0:23:06 > 0:23:10She was completely covered in floating tumours.
0:23:10 > 0:23:14It spread to her brain and her spine.
0:23:14 > 0:23:19We were then taken in an office and told that,
0:23:19 > 0:23:22"take some pictures, make the best of her, because it will be lethal."
0:23:22 > 0:23:26I sat on my stairs and I screamed.
0:23:26 > 0:23:30"I'll research it on the internet and I will find something."
0:23:30 > 0:23:33Granny's laptop discovered a prestigious American cancdr
0:23:33 > 0:23:37hospital offering a promising trial treatment.
0:23:37 > 0:23:41About 75% of our children sdem to grow up and move on
0:23:41 > 0:23:45and neuroblastoma's not part of their...their issues any more.
0:23:45 > 0:23:48And before that?
0:23:48 > 0:23:52Before that, unfortunately, we had no survivors.
0:23:52 > 0:23:56Lilly's 8H9 treatment at Melorial Sloan Kettering cost ?1.2 mhllion.
0:23:56 > 0:23:58All raised by charity.
0:23:58 > 0:24:01The result ` Lilly is in relission.
0:24:01 > 0:24:04The check ups go on.
0:24:04 > 0:24:12Up to now, they've all been N.E D ` No Evidence of Disease.
0:24:12 > 0:24:14It's amazing, two years on, being here and seeing Lilly.
0:24:15 > 0:24:16How has it been?
0:24:16 > 0:24:18Lilly's doing really well. She's full of mischief.
0:24:18 > 0:24:24She's really wilful. And she just loves life!
0:24:24 > 0:24:27And, at one point, the NHS had told you there was no hope.
0:24:27 > 0:24:28Yeah, they did.
0:24:28 > 0:24:31And if we had listened to them in the first place,
0:24:31 > 0:24:35we wouldn't be sitting here now
0:24:35 > 0:24:37And that's why charities like JACK
0:24:37 > 0:24:41and Neuroblastoma Alliance keep fundraising.
0:24:41 > 0:24:46Here, Met and Essex police officers run a half marathon in New Xork
0:24:46 > 0:24:49Richard Brown lost his son Jack to the disease, yet still rtnning
0:24:49 > 0:24:53so that others might survivd.
0:24:53 > 0:24:56He had survived the first ydar.
0:24:56 > 0:24:59There was no more applicabld treatment in the UK.
0:24:59 > 0:25:01They couldn't define the disease and he was sent home.
0:25:01 > 0:25:03It's very emotive.
0:25:03 > 0:25:06You've got big burly cops hdre who have been reduced to tears.
0:25:06 > 0:25:11Parents shouldn't have to bury their children.
0:25:11 > 0:25:14Other European governments, like Greece, for example, p`y
0:25:14 > 0:25:17for their kids to come to Mdmorial Sloan Kettering for treatment,
0:25:17 > 0:25:20but not the NHS, which leavds child cancer charities in the awftl
0:25:20 > 0:25:25position of trying to pick which child they can pay to send here
0:25:25 > 0:25:29Lilly is a real inspiration to us.
0:25:29 > 0:25:32I mean, it was a very costlx treatment that she had to
0:25:32 > 0:25:38go for, but she wouldn't be here today if it wasn't for that.
0:25:38 > 0:25:42And as much as we'd like to say we could just send them all abroad it
0:25:42 > 0:25:44is just too expensive and wd couldn't sustainably fund it, So
0:25:44 > 0:25:45we're trying
0:25:45 > 0:25:48to look for ways to bring these innovative treatments into the UK.
0:25:48 > 0:25:50With ?300,000 raised,
0:25:50 > 0:25:54they asked a medical panel to pick the most promising trial for Britain
0:25:54 > 0:25:57They chose a vaccine from Sloan Kettering that hopes to teach
0:25:57 > 0:26:01a child's body to destroy c`ncer.
0:26:01 > 0:26:04Three years into the New York study,
0:26:04 > 0:26:0712 of the 15 children remain disease free.
0:26:07 > 0:26:10By the end of the year,
0:26:10 > 0:26:13this trial will expand to the Bristol Royal Hospital for Children.
0:26:13 > 0:26:16Available free on the NHS, the vaccine paid for by charity
0:26:16 > 0:26:20Bringing a trial over to thd UK
0:26:20 > 0:26:23which otherwise would operate in North America, I think
0:26:23 > 0:26:26is transformational, actually, and it's entirely down to them.
0:26:26 > 0:26:28Without their funding, we would not be doing this study.
0:26:29 > 0:26:31It'll come to us eventually,
0:26:31 > 0:26:35but it'll come 5`10 years after the event.
0:26:35 > 0:26:38But that would be too late for these families.
0:26:38 > 0:26:41Although promising,
0:26:41 > 0:26:50the doctor understands why the NHS left the charity to buy the vaccine.
0:26:50 > 0:26:52How could you spend this amount of money
0:26:52 > 0:26:53on something which is unproven?
0:26:53 > 0:26:55We're going to treat 12 pathents with this money.
0:26:55 > 0:26:56That expense is unsupportable.
0:26:56 > 0:26:59So it's a matter of priorithes and a matter of what can
0:26:59 > 0:27:02realistically be brought into the NHS without breaking the budget
0:27:02 > 0:27:05But there are still 13 patidnts who are alive out of 15
0:27:05 > 0:27:08and I'd rather be in that group than perhaps the trial that says
0:27:08 > 0:27:10three children out of 15 are still alive.
0:27:10 > 0:27:14In this case, we have very, very few genes that are altdred
0:27:14 > 0:27:16Britain's Institute of Cancdr Research welcomed the charity
0:27:16 > 0:27:20paying for a vital trial, because drug companies often see no
0:27:20 > 0:27:25profit in testing their best drugs on rare child cancers.
0:27:25 > 0:27:27The numbers just aren't there.
0:27:27 > 0:27:29Certain cancer drugs which are active in adult
0:27:29 > 0:27:33cancers are not required to be tested in children
0:27:33 > 0:27:37and therefore are not available for clinical trials.
0:27:37 > 0:27:40Less than 25% of those drugs have reached children.
0:27:40 > 0:27:45That's frustrating for clinhcians, it's frustrating for parents.
0:27:45 > 0:27:47I can't do big circles.
0:27:47 > 0:27:49Can't you?
0:27:49 > 0:27:52I can't.
0:27:52 > 0:27:56So against all these odds, Lilly is well and back home.
0:27:56 > 0:27:58It's just amazing that they're starting to bring
0:27:58 > 0:28:00the treatment over here.
0:28:00 > 0:28:02It's not just that.
0:28:02 > 0:28:04They're not just getting one of the treatments.
0:28:04 > 0:28:06They're getting the latest treatment,
0:28:06 > 0:28:09the most advanced treatment.
0:28:09 > 0:28:12Not all trials succeed.
0:28:12 > 0:28:14But it's little miracles like Lilly that now puts
0:28:14 > 0:28:16so much hope on the one in Bristol.
0:28:16 > 0:28:18I love it.
0:28:18 > 0:28:20I just love watching her love life.
0:28:20 > 0:28:23You couldn't ask for nothing more.
0:28:25 > 0:28:28Mark Jordan with that report.
0:28:28 > 0:28:30That's all we've got time for from the Isle of Wight.
0:28:30 > 0:28:33We're back to our normal tile next week ` 7:30.
0:28:33 > 0:28:35Till then, bye`bye.
0:28:35 > 0:28:37Next week, all aboard the pensions special
0:28:37 > 0:28:40We're asking why about half of us
0:28:40 > 0:28:42don't have any private pension savings.
0:28:42 > 0:28:45Who hasn't got a pension?
0:28:45 > 0:28:49And if you do have a pension, watch out.
0:28:49 > 0:28:51We reveal the unscrupulous people trying to
0:28:51 > 0:28:55get their hands on your mondy.