08/09/2014 Inside Out South


08/09/2014

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Tonight, the mortgage deal which traps you in your own home.

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The product that they have encouraged people to sign is

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at fault, at risk, unfair and oppressive.

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Did someone slip up over landslides?

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This is get out and leave it and walk away.

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And how desperate families `re looking abroad for medical help

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The NHS had told you there was no hope?

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Yeah, they did and if we had have listened,

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we wouldn't be sitting here now

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I am John Cuthill and this hs Inside Out for the South of England.

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First tonight, a prisoner in your own home.

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The mortgage deal which promised access to yotr own

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cash but has left some homeowners in the South unable to move.

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Nick Wallis explains.

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Brian Daltrey has lived a lhfe surrounded by family and adventure.

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He seemed set for a long and happy retirement

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in the New Forest but 16 ye`rs ago, Brian took out a financial product

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which has nearly ruined him.

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It is a type of mortgage which leaves people helpless,

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as day by day, brick by brick, their homes are taken from them

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Campaigners say these products should never have been sold to

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thousands of elderly people like Brian and we believe

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the banks broke their own voluntary code when they did so.

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The fact is, they were toxic, they were poisonous,

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they were exploitative. They should never have been issued.

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It just seems like an utter disgrace.

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It's almost robbery.

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In 1960, Brian took his famhly to Africa and spent the rest of his

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career there. It was a wonddrful time but as a guest worker hn a

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foreign country, Brian didn't get a pension.

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After a few years of retirelent money was getting tight so Brian

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decided to release some of the equity in his house

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by taking an interest`free loan from the Bank of Scotland.

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He borrowed ?35,000 and agreed that in return, the bank

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would take 75% of any of thd increase in the value of his home.

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At the time, he thought it was a good de`l.

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Miniskirt days! MGB.

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It was good to have an MGB in the tropics because you could

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take the hood off and forget it

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I just thought, go for it. I'm that sort of person.

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I went for it in Africa. That's the sort of thing I do.

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You might call it a weakness or not. But anyway...

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Brian signed up to a shared appreciation mortgage, a product

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which was only ever offered by Barclays and Bank of Scotland for

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two years between 1996 and 0998

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The Bank of Scotland gave Brian ?35,000 cash, interest`free,

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in return for 75% of any future increase

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in the value of his propertx.

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Right now, Brian's home is worth ?450,000.

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If he sold it tomorrow, he would have to hand over lore than

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?232,000 to the Bank of Scotland, plus the original ?35,000 loan.

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A return for the bank of 664%.

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To put it another way, in 1898, the bank lent Brian 25%

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of the value of his propertx. As of now, it owns 59%.

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That percentage will keep growing as the value

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of Brian's property goes up.

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Did the bank at any stage s`y you need to go and get independdnt

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financial advice about this product before signing up to it?

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I don't remember them doing that.

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It's quite possible there mhght be a clause somewhere in

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the contract advising me to do it.

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But no one ever said it to xou and no one drew

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your attention to that causd.

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No, I don't think so.

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Every day that goes by, the Bank of Scotland owns a greater

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percentage of Brian's bungalow.

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The deal only ends when Brian sells up.

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The moment he does, the bank will take its shard

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and Brian will not be to afford anything suitable with what's left.

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He's trapped. And he's not alone.

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Nearly 12,000 shared apprechation mortgages were sold by the Bank

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of Scotland and Barclays and many thousands of people are stuck.

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I took it to the ombudsman and they seemed as

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though they were interested.

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They spent several weeks, interviewing banks and things

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like that.

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Finally, they declared that they didn't have enough authoritx to

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do anything about it.

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Inside Out asked the Financhal Ombudsman which exists to rdsolve

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complaints between banks and customers why they couldn't help.

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What they told us was extraordinary.

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Barclays and the Bank of Scotland set up a series of entirely separate

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companies to administer shared appreciation mortgages.

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Because these new companies were not signatories to the banking code

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the ombudsman was powerless.

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Brian's situation does seem pretty hopeless.

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He signed away 75% of the future growth of hi only

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He signed away 75% of the future growth of his only

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asset, his home, for ?35,000 in cash.

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Now he is living with the consequences.

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Should we say tough luck, you agreed the deal?

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Or has he paid enough for his mistake?

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Should these products have dver have been made available

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in the first place?

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Absolutely not and the banks know perfectly well that

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they should never have been made available because after two years,

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they stopped making them av`ilable.

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Why should they let people off the hook for deals that they

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willingly and knowingly signed?

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The answer is they should do so when they realise that the product

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that they have encouraged pdople to sign is at fault, at risk,

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unfair and oppressive.

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One man who has spent most of his career studying banks

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and the way they behave says shared appreciation mortgagds are

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particularly bad.

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It just seems like an utter disgrace.

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It's almost robbery. It is usuary.

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It's a form of lending which is exploiting the ignorance

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of the customer. I think it is really unhealthy.

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It's got to be stopped.

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Hello!

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Edna Robson borrowed ?15,000 through a shared appreciation mortg`ge

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on her property in Chelmsford.

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Now she's in a care home with advanced ddmentia.

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When she sold her house for ?182,000, Barclays were entitled

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to help themselves to more than half of it, ?96,000.

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The remainder will soon be swallowed up by the 24`hour care she needs.

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I think it is a fundamentally unfair product because of the amount

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of money they had to take b`ck.

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There is no need to take that amount of money.

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I mean, if they had taken two or three times the initial loan,

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that would have been ample but to take six times the amount of the

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original loan seems to me to be ..

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Elderly people who want to borrow a small amount of money

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and they are punished.

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My mum cannot afford to pay any care now.

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The bank has robbed my mum of the ability to look after

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and pay for herself. They just don't want to know.

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They pay themselves big fat bonuses and at the end of the day,

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all of these elderly people who took out shared appreciation mortgages

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are being stitched up.

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As far as we have been able to find out, there is no recorded instance

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of either Barclays of the B`nk of Scotland agreeing to change

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the terms of these mortgages.

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It means that every day has prices go up is another brick or roof

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tile that these mortgage customers have to hand over to their bank

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In the mid`2000s, a Parliamdntary campaign led to

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Barclays setting up a hardship fund.

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The Bank of Scotland refused to follow suit

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saying they would look at e`ch individual case upon applic`tion.

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In 2009, victims raised mord than ?1 million for a fighting fund

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and took the banks to court hoping to prove that shared apprechation

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mortgages were unfair to customers.

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One of the campaigners lives in Swanage.

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We thought it was all go, go, go. Great.

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The solicitor said she had run out of money and went back, wanted us to

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go back to the members, the shared appreciation mortgage holders,

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to put in another 5,000 each.

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And many of them couldn't do it

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The banks kept applying leg`l and technical arguments unthl

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the victims' fighting fund ran dry.

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They were then forced to sign gagging orders

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or pay the banks' costs.

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Not only could they never ahr their grievances again.

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The banks escaped the scruthny of a judge as to whether

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the mortgage contracts were unfair.

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Although there was very little regulation around mortgage products

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in the 90s, both Barclays and the Bank of Scotland were

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signatories to the banking code

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This code requires banks to act fairly and reasonably,

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ensure all services and products comply with thd code,

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subscribe to the financial obligations of the mortgage.

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Because the banking code was administered by the Banking Codes

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Standards Board which doesn't exist any more, we went to the Financial

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Conduct Authority and the British Bankers' Association and ask them if

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they thought that Barclays and the Bank

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of Scotland was breaching the code over shared appreciation mortgages.

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Both organisations refused an interview saying the subject

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matter was outside their relit.

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Inside Out South contacted Barclays and the Bank of Scotland

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and asked them to explain how setting up companies outsidd

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the scheme ensured all prodtcts complied with the banking code.

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We ask them if their customdrs were made fully aware of what wotld

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happen if property prices would rise in the way they did and we `sked

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given how much has prices h`d risen, were they being fair and re`sonable?

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Both Barclays and the Bank of Scotland refused to give this

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programme interview but thex denied breaching the banking code `nd say

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in all circumstances, they strongly advise customers to get proper,

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independent financial advicd.

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The Bank of Scotland told us that customers

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were required to sign a doctment confirming they fully understood the

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nature of the product and B`rclays say they required confirmathon

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from the borrowers' solicitor that independent advice had been taken.

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Both banks also say that thdy were unable to release anyone

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from the terms of their mortgages, for instance by capping the amount

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to be repaid, because the rhghts to the profits had been packagdd up

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and sold on to other investors.

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Barclays told its hardship scheme can allow elderly customers to get

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a new mortgage from them when they move home or if they want

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to stay in their existing property, they can apply for grants.

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Bank of Scotland say despite not having

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a hardship scheme, it has bden able to give grants to people to

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buy things like stair lifts.

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Brian doesn't drive much anx more but once a week, he lays flowers

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at his wife's grave.

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It gives him the opportunitx to think about the time they spent

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together and what the futurd might

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hold for him.

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I think when we took this ddal out, 16 years ago,

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with the Bank of Scotland, Jo and I both thought it was a great idea.

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And using a property value which is something in the ahr,

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it was giving us cash which we could live on was a great idea.

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But now, 16 years on, it gets to a point where I need more

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help in terms of care.

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I think she would be quite concerned really that

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the bank had defaulted in a way and we owe them ?250,000 for

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something, for a miserable loan of

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?35,000. I think she would find that quite shocking.

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She devoted herself to my wdlfare throughout her whole life.

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Right now, Brian is surviving but he doesn't know what he will do

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if he loses his independencd.

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Do you regret taking out that mortgage?

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Well, the way it has turned out yes, I do.

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It has put me in an impossible situation.

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I have to regret taking it out.

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I think that is all I can s`y about that, really.

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I should have found another way of raising money to solve our problems.

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The way it has turned out, it's very unfortunate.

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I'm really in a difficult shtuation.

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Nick Wallis with that report.

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Don't forget, if you've got a story for us, do get in touch

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Next, they still don't know what the future holds.

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It was seven months ago that some residents were forced out of their

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homes by the latest landslide. Now, they want answers.

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Moments from the beach, uninterrupted sea views.

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You would think it would be a dream place to live

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but all is not well on the south coast of the Isle of Wight.

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OK, this is us. Come in.

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This has been the Wrights' family home for the

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past 36 years but seven months ago, they had to move out after `

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landslide. All nine houses on Undercliff Drive were

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evacuated when the road collapsed. Today, they are back sandwiching

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belongings.

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It is only a house when all is said and done

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but it can mean a lot to yot.

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You lose your stability if xou have nowhere to call your own.

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It is our history is here, hsn't it?

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The wettest winter on record,

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together with an already cr`cked and damaged road built

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on an active landslide, proved a disastrous combination

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Work to fix it had started, but then was abandoned.

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Undercliff Drive simply gavd way.

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This is the road resurfacing.

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The guys came along, dug down ten metres,

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didn't shore at the other side of the road up, as you can see.

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And when the rains came, obviously, the road fell into the hole

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they dug, which took our nehghbour's garden, their house and,

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really, the council have left us high and dry, yeah.

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Can you see that little cliff edge there?

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It is still moving.

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Slowed down a lot, but it's still moving.

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It is not like flooding, where it will clear

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and you can go back to some sort of house that's yours.

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This is get out and leave it and walk away.

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The insurance refused to pay for subsidence,

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because we haven't got any.

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And they say the house is insured, but the road isn't.

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And "we don't insure the ro`d".

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We'd only bought it 18 months ago.

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Now, we've lost our sale.

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We've lost everything.

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Literally everything.

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As well as people's homes, people's livelihoods are now in jeop`rdy

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This caravan park had to close,

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losing an entire season's income with no idea if it'll ever reopen.

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I've only hopefully got loss of earnings for one ye`r,

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under the insurance,

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but I'm in terrible trouble at the moment even to get that.

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After an advance payment on that.

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And I'm fast running out of money.

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It's the basic geology of this whole area

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that's at the heart of the problem.

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Layers of sandstone and clay slowly sliding into the sea

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and that's wreaked havoc on Undercliff Drive for years.

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Back in 1926, a huge landslide made headlhnes

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with deep cracks in the road just like today.

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In 2001, it happened again, leading to a scandal, with sackings

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and resignations at Isle of Wight Council.

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This time, residents accused the council of keeping them in the dark

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about what's going on and of taking months to come up with a solution.

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Meeting after meeting has bden held as residents

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wait for answers from the council.

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What've we learnt tonight?

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They've never been there by the sounds of it.

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They've never seen the placd.

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As time goes on, people livhng either side of the blocked road have

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joined the fight to get it reopened.

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I would like to think that our government, if it can pour

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money into the Somerset Levdls and the Thames Valley,

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why can't it help these poor house holders who've lost their homes

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Surely, it's the same parallel, there should be some help.

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There has been no help.

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A local town councillor has resigned over the issue,

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believing Island Roads and Hsle of Wight Council have been too cosy.

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The problem is they've almost protected each other

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and it has been difficult to get answers.

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And, if answers come, they're extremely delayed.

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We're talking now about nind victims.

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One of them, in fact, had lhved on Undercliff Drive for 35 xears.

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They're elderly pensioners, they've got no flexible income

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and now, their lives are in limbo.

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They've got no future to look forward to and this is hurthng.

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Many residents believe work to the road should never have been

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started during the wettest winter on record.

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With his caravan park still closed, Gary Smedmore's used

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the Freedom Of Information @ct to uncover a civil engineer's

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risk assessment for the Unddrcliff commissioned by the council.

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The risk assessment report hs quite damning, really.

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Civil engineers have said that they shouldn't go ahead

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in the inclement weather and it had highest possible risk of fahlure.

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They already knew the water level was on amber on the Underclhff

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in September and yet, they waited till November to start digghng and

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it was well on its way to rdd then, which was an imminent landslide

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And they failed to tell anyone on the Undercliff of the danger

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We asked the council for an intervie on numerous occasions.

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We asked the council for an interview on numerous occashons

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They declined.

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So we asked Island Roads, who has a ?260 million contract over

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the next 25 years to look after the Isle of Wight's roads.

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In your view, did the works going on at the time

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contribute in any manner to what happened?

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No.

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Simple as that?

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Yes.

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Can you see why residents are puttin two and two together?

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Can you see why residents are putting two and two together?

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Saying works is being carridd out in inclement weather.

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They'd seen a report, which says, look, this is a big risk.

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This is a risk about doing the works

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at a time of high water tables and bad weather.

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With regard to the works thdmselves, again,

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it's important to emphasise that these weren't works targeted

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at addressing the underlying geological instability in the area.

0:19:110:19:13

Therefore, the landslip that took place over a 3km section,

0:19:130:19:16

not just in the vicinity of the works,

0:19:160:19:19

was something that couldn't have been predicted.

0:19:190:19:22

With the whole area part of the biggest inhabitdd active

0:19:220:19:25

landslide complex in western Europe, any man`made structure,

0:19:250:19:27

like the road, is at risk.

0:19:270:19:30

There's a gulley that comes down here.

0:19:300:19:32

It has done perhaps for hundreds of years.

0:19:320:19:36

And if you then fill that gtlly in, what you end up with is a shtuation

0:19:360:19:40

where you are battling with nature, rather than working with nature

0:19:400:19:42

Um, and nature wins and it's literally just washed

0:19:420:19:46

the sort of blockage, sort of the road, out of thd way.

0:19:460:19:50

Um, and so really, I guess ht's bad design over tens of years.

0:19:500:19:53

So what would it take to fix this notorious stretch of road?

0:19:530:19:56

It comes down to money at the end of the day.

0:19:560:19:59

In terms of engineering, it's not a major problem.

0:19:590:20:03

It's something that could be done very eashly.

0:20:030:20:05

But it's going to cost.

0:20:050:20:07

You know, it could cost tens of millions of pounds possibly

0:20:070:20:10

to put this right.

0:20:100:20:11

It's hard to say exactly, but it's an expensive task.

0:20:110:20:15

It's not within the Island Roads contract to fix

0:20:150:20:17

the landslip at Undercliff Drive.

0:20:170:20:20

So, a few days ago, the council proposed spending not millions,

0:20:200:20:23

but up to ?500,000 on the problem.

0:20:230:20:27

A decision on how that'll bd spent will be made tomorrow,

0:20:270:20:31

meaning there's no closure xet for the residents of Undercliff Drive.

0:20:310:20:35

I'm 70 this year and I've had two heart attacks.

0:20:350:20:39

It's just too much.

0:20:390:20:41

It really is too much.

0:20:410:20:43

But, you know, that's how it is

0:20:430:20:49

And I'd love to hear your thoughts on that story.

0:20:520:20:54

We're on Twitter, of course ` insideoutsouth.

0:20:540:20:57

Now finally tonight,

0:20:570:21:00

as we've seen in the recent case of the little boy with a brain tumour,

0:21:000:21:04

desperate families will try anything to get the latest medical c`re.

0:21:040:21:07

And when doctors here say nothing more can be done, some people

0:21:070:21:10

simply refuse to believe it. Mark Jordan reports.

0:21:100:21:15

We are at war with cancer.

0:21:180:21:21

We have had our victories, but some battles are yet to be won.

0:21:210:21:29

Each parent at this gathering knows their child might

0:21:290:21:31

die from neuroblastoma, a rare childhood cancer.

0:21:310:21:34

The way of thinking around the world, literally, is th`t,

0:21:340:21:37

once you relapse with high`risk neuroblastoma,

0:21:370:21:39

you have no chance of survival.

0:21:390:21:43

What do you do when respectdd foreign doctors tell you

0:21:430:21:47

they can better your child's chances?

0:21:470:21:50

The figures in America come out between 20%

0:21:500:21:52

and 30% extra chance of survival with immunotherapy.

0:21:520:21:54

We had to raise funds to get our child to America.

0:21:540:21:57

It must be terrible to be in a situation where you think

0:21:570:22:00

there are no options available to you here,

0:22:000:22:02

but they must be available somewhere.

0:22:020:22:07

But by the end of the year, this same doctor will be administering

0:22:070:22:11

one of America's most promising trials right here in Britain.

0:22:110:22:14

And it will be a vaccine trhal. .

0:22:140:22:16

APPLAUSE

0:22:160:22:20

This is a story of faith, hope and charity.

0:22:200:22:23

How ordinary people dug deep and reached for the clouds,

0:22:230:22:27

cutting through the bureaucracy the NHS and the drug companhes,

0:22:270:22:31

raising enough for one of the most promising trials to come to Britain.

0:22:310:22:38

We've gotten to the point where we say,

0:22:380:22:41

if someone isn't cured, what went wrong?

0:22:410:22:45

To understand why these trials bring such hope,

0:22:450:22:48

you need to meet Lilly MacGlashan from Dunst`ble

0:22:480:22:52

You can see how veined her stomach was.

0:22:520:22:54

I mean, she was more tumour than she was baby.

0:22:540:22:57

Over the years, I've been fhlming her incredible journey.

0:22:570:23:00

In 2011, NHS doctors said they could do no more

0:23:000:23:03

when her neuroblastoma relapsed

0:23:030:23:06

She was completely covered in floating tumours.

0:23:060:23:10

It spread to her brain and her spine.

0:23:100:23:14

We were then taken in an office and told that,

0:23:140:23:19

"take some pictures, make the best of her, because it will be lethal."

0:23:190:23:22

I sat on my stairs and I screamed.

0:23:220:23:26

"I'll research it on the internet and I will find something."

0:23:260:23:30

Granny's laptop discovered a prestigious American cancdr

0:23:300:23:33

hospital offering a promising trial treatment.

0:23:330:23:37

About 75% of our children sdem to grow up and move on

0:23:370:23:41

and neuroblastoma's not part of their...their issues any more.

0:23:410:23:45

And before that?

0:23:450:23:48

Before that, unfortunately, we had no survivors.

0:23:480:23:52

Lilly's 8H9 treatment at Melorial Sloan Kettering cost ?1.2 mhllion.

0:23:520:23:56

All raised by charity.

0:23:560:23:58

The result ` Lilly is in relission.

0:23:580:24:01

The check ups go on.

0:24:010:24:04

Up to now, they've all been N.E D ` No Evidence of Disease.

0:24:040:24:12

It's amazing, two years on, being here and seeing Lilly.

0:24:120:24:14

How has it been?

0:24:150:24:16

Lilly's doing really well. She's full of mischief.

0:24:160:24:18

She's really wilful. And she just loves life!

0:24:180:24:24

And, at one point, the NHS had told you there was no hope.

0:24:240:24:27

Yeah, they did.

0:24:270:24:28

And if we had listened to them in the first place,

0:24:280:24:31

we wouldn't be sitting here now

0:24:310:24:35

And that's why charities like JACK

0:24:350:24:37

and Neuroblastoma Alliance keep fundraising.

0:24:370:24:41

Here, Met and Essex police officers run a half marathon in New Xork

0:24:410:24:46

Richard Brown lost his son Jack to the disease, yet still rtnning

0:24:460:24:49

so that others might survivd.

0:24:490:24:53

He had survived the first ydar.

0:24:530:24:56

There was no more applicabld treatment in the UK.

0:24:560:24:59

They couldn't define the disease and he was sent home.

0:24:590:25:01

It's very emotive.

0:25:010:25:03

You've got big burly cops hdre who have been reduced to tears.

0:25:030:25:06

Parents shouldn't have to bury their children.

0:25:060:25:11

Other European governments, like Greece, for example, p`y

0:25:110:25:14

for their kids to come to Mdmorial Sloan Kettering for treatment,

0:25:140:25:17

but not the NHS, which leavds child cancer charities in the awftl

0:25:170:25:20

position of trying to pick which child they can pay to send here

0:25:200:25:25

Lilly is a real inspiration to us.

0:25:250:25:29

I mean, it was a very costlx treatment that she had to

0:25:290:25:32

go for, but she wouldn't be here today if it wasn't for that.

0:25:320:25:38

And as much as we'd like to say we could just send them all abroad it

0:25:380:25:42

is just too expensive and wd couldn't sustainably fund it, So

0:25:420:25:44

we're trying

0:25:440:25:45

to look for ways to bring these innovative treatments into the UK.

0:25:450:25:48

With ?300,000 raised,

0:25:480:25:50

they asked a medical panel to pick the most promising trial for Britain

0:25:500:25:54

They chose a vaccine from Sloan Kettering that hopes to teach

0:25:540:25:57

a child's body to destroy c`ncer.

0:25:570:26:01

Three years into the New York study,

0:26:010:26:04

12 of the 15 children remain disease free.

0:26:040:26:07

By the end of the year,

0:26:070:26:10

this trial will expand to the Bristol Royal Hospital for Children.

0:26:100:26:13

Available free on the NHS, the vaccine paid for by charity

0:26:130:26:16

Bringing a trial over to thd UK

0:26:160:26:20

which otherwise would operate in North America, I think

0:26:200:26:23

is transformational, actually, and it's entirely down to them.

0:26:230:26:26

Without their funding, we would not be doing this study.

0:26:260:26:28

It'll come to us eventually,

0:26:290:26:31

but it'll come 5`10 years after the event.

0:26:310:26:35

But that would be too late for these families.

0:26:350:26:38

Although promising,

0:26:380:26:41

the doctor understands why the NHS left the charity to buy the vaccine.

0:26:410:26:50

How could you spend this amount of money

0:26:500:26:52

on something which is unproven?

0:26:520:26:53

We're going to treat 12 pathents with this money.

0:26:530:26:55

That expense is unsupportable.

0:26:550:26:56

So it's a matter of priorithes and a matter of what can

0:26:560:26:59

realistically be brought into the NHS without breaking the budget

0:26:590:27:02

But there are still 13 patidnts who are alive out of 15

0:27:020:27:05

and I'd rather be in that group than perhaps the trial that says

0:27:050:27:08

three children out of 15 are still alive.

0:27:080:27:10

In this case, we have very, very few genes that are altdred

0:27:100:27:14

Britain's Institute of Cancdr Research welcomed the charity

0:27:140:27:16

paying for a vital trial, because drug companies often see no

0:27:160:27:20

profit in testing their best drugs on rare child cancers.

0:27:200:27:25

The numbers just aren't there.

0:27:250:27:27

Certain cancer drugs which are active in adult

0:27:270:27:29

cancers are not required to be tested in children

0:27:290:27:33

and therefore are not available for clinical trials.

0:27:330:27:37

Less than 25% of those drugs have reached children.

0:27:370:27:40

That's frustrating for clinhcians, it's frustrating for parents.

0:27:400:27:45

I can't do big circles.

0:27:450:27:47

Can't you?

0:27:470:27:49

I can't.

0:27:490:27:52

So against all these odds, Lilly is well and back home.

0:27:520:27:56

It's just amazing that they're starting to bring

0:27:560:27:58

the treatment over here.

0:27:580:28:00

It's not just that.

0:28:000:28:02

They're not just getting one of the treatments.

0:28:020:28:04

They're getting the latest treatment,

0:28:040:28:06

the most advanced treatment.

0:28:060:28:09

Not all trials succeed.

0:28:090:28:12

But it's little miracles like Lilly that now puts

0:28:120:28:14

so much hope on the one in Bristol.

0:28:140:28:16

I love it.

0:28:160:28:18

I just love watching her love life.

0:28:180:28:20

You couldn't ask for nothing more.

0:28:200:28:23

Mark Jordan with that report.

0:28:250:28:28

That's all we've got time for from the Isle of Wight.

0:28:280:28:30

We're back to our normal tile next week ` 7:30.

0:28:300:28:33

Till then, bye`bye.

0:28:330:28:35

Next week, all aboard the pensions special

0:28:350:28:37

We're asking why about half of us

0:28:370:28:40

don't have any private pension savings.

0:28:400:28:42

Who hasn't got a pension?

0:28:420:28:45

And if you do have a pension, watch out.

0:28:450:28:49

We reveal the unscrupulous people trying to

0:28:490:28:51

get their hands on your mondy.

0:28:510:28:55

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