Browse content similar to 08/09/2014. Check below for episodes and series from the same categories and more!
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Tonight, the mortgage deal which traps you in your own home. | 0:00:05 | 0:00:09 | |
The product that they have encouraged people to sign is | 0:00:09 | 0:00:11 | |
at fault, at risk, unfair and oppressive. | 0:00:11 | 0:00:16 | |
Did someone slip up over landslides? | 0:00:16 | 0:00:19 | |
This is get out and leave it and walk away. | 0:00:19 | 0:00:23 | |
And how desperate families `re looking abroad for medical help | 0:00:23 | 0:00:28 | |
The NHS had told you there was no hope? | 0:00:28 | 0:00:31 | |
Yeah, they did and if we had have listened, | 0:00:31 | 0:00:33 | |
we wouldn't be sitting here now | 0:00:33 | 0:00:35 | |
I am John Cuthill and this hs Inside Out for the South of England. | 0:00:35 | 0:00:40 | |
First tonight, a prisoner in your own home. | 0:00:51 | 0:00:53 | |
The mortgage deal which promised access to yotr own | 0:00:53 | 0:00:57 | |
cash but has left some homeowners in the South unable to move. | 0:00:57 | 0:01:00 | |
Nick Wallis explains. | 0:01:00 | 0:01:04 | |
Brian Daltrey has lived a lhfe surrounded by family and adventure. | 0:01:12 | 0:01:16 | |
He seemed set for a long and happy retirement | 0:01:16 | 0:01:19 | |
in the New Forest but 16 ye`rs ago, Brian took out a financial product | 0:01:19 | 0:01:22 | |
which has nearly ruined him. | 0:01:22 | 0:01:28 | |
It is a type of mortgage which leaves people helpless, | 0:01:29 | 0:01:32 | |
as day by day, brick by brick, their homes are taken from them | 0:01:32 | 0:01:37 | |
Campaigners say these products should never have been sold to | 0:01:37 | 0:01:41 | |
thousands of elderly people like Brian and we believe | 0:01:41 | 0:01:43 | |
the banks broke their own voluntary code when they did so. | 0:01:43 | 0:01:48 | |
The fact is, they were toxic, they were poisonous, | 0:01:48 | 0:01:51 | |
they were exploitative. They should never have been issued. | 0:01:51 | 0:01:53 | |
It just seems like an utter disgrace. | 0:01:53 | 0:01:55 | |
It's almost robbery. | 0:01:55 | 0:01:57 | |
In 1960, Brian took his famhly to Africa and spent the rest of his | 0:01:57 | 0:02:03 | |
career there. It was a wonddrful time but as a guest worker hn a | 0:02:03 | 0:02:07 | |
foreign country, Brian didn't get a pension. | 0:02:07 | 0:02:09 | |
After a few years of retirelent money was getting tight so Brian | 0:02:09 | 0:02:12 | |
decided to release some of the equity in his house | 0:02:12 | 0:02:16 | |
by taking an interest`free loan from the Bank of Scotland. | 0:02:16 | 0:02:19 | |
He borrowed ?35,000 and agreed that in return, the bank | 0:02:19 | 0:02:25 | |
would take 75% of any of thd increase in the value of his home. | 0:02:25 | 0:02:30 | |
At the time, he thought it was a good de`l. | 0:02:30 | 0:02:34 | |
Miniskirt days! MGB. | 0:02:34 | 0:02:38 | |
It was good to have an MGB in the tropics because you could | 0:02:38 | 0:02:41 | |
take the hood off and forget it | 0:02:41 | 0:02:44 | |
I just thought, go for it. I'm that sort of person. | 0:02:44 | 0:02:48 | |
I went for it in Africa. That's the sort of thing I do. | 0:02:48 | 0:02:53 | |
You might call it a weakness or not. But anyway... | 0:02:53 | 0:02:56 | |
Brian signed up to a shared appreciation mortgage, a product | 0:02:56 | 0:02:59 | |
which was only ever offered by Barclays and Bank of Scotland for | 0:02:59 | 0:03:02 | |
two years between 1996 and 0998 | 0:03:02 | 0:03:06 | |
The Bank of Scotland gave Brian ?35,000 cash, interest`free, | 0:03:06 | 0:03:10 | |
in return for 75% of any future increase | 0:03:10 | 0:03:14 | |
in the value of his propertx. | 0:03:14 | 0:03:16 | |
Right now, Brian's home is worth ?450,000. | 0:03:16 | 0:03:19 | |
If he sold it tomorrow, he would have to hand over lore than | 0:03:19 | 0:03:23 | |
?232,000 to the Bank of Scotland, plus the original ?35,000 loan. | 0:03:23 | 0:03:29 | |
A return for the bank of 664%. | 0:03:29 | 0:03:33 | |
To put it another way, in 1898, the bank lent Brian 25% | 0:03:33 | 0:03:37 | |
of the value of his propertx. As of now, it owns 59%. | 0:03:37 | 0:03:43 | |
That percentage will keep growing as the value | 0:03:43 | 0:03:46 | |
of Brian's property goes up. | 0:03:46 | 0:03:53 | |
Did the bank at any stage s`y you need to go and get independdnt | 0:03:53 | 0:03:59 | |
financial advice about this product before signing up to it? | 0:03:59 | 0:04:02 | |
I don't remember them doing that. | 0:04:02 | 0:04:03 | |
It's quite possible there mhght be a clause somewhere in | 0:04:03 | 0:04:06 | |
the contract advising me to do it. | 0:04:06 | 0:04:07 | |
But no one ever said it to xou and no one drew | 0:04:07 | 0:04:10 | |
your attention to that causd. | 0:04:10 | 0:04:12 | |
No, I don't think so. | 0:04:12 | 0:04:13 | |
Every day that goes by, the Bank of Scotland owns a greater | 0:04:13 | 0:04:16 | |
percentage of Brian's bungalow. | 0:04:16 | 0:04:17 | |
The deal only ends when Brian sells up. | 0:04:17 | 0:04:19 | |
The moment he does, the bank will take its shard | 0:04:19 | 0:04:22 | |
and Brian will not be to afford anything suitable with what's left. | 0:04:22 | 0:04:25 | |
He's trapped. And he's not alone. | 0:04:25 | 0:04:28 | |
Nearly 12,000 shared apprechation mortgages were sold by the Bank | 0:04:28 | 0:04:32 | |
of Scotland and Barclays and many thousands of people are stuck. | 0:04:32 | 0:04:37 | |
I took it to the ombudsman and they seemed as | 0:04:37 | 0:04:40 | |
though they were interested. | 0:04:40 | 0:04:42 | |
They spent several weeks, interviewing banks and things | 0:04:42 | 0:04:44 | |
like that. | 0:04:44 | 0:04:46 | |
Finally, they declared that they didn't have enough authoritx to | 0:04:46 | 0:04:49 | |
do anything about it. | 0:04:49 | 0:04:52 | |
Inside Out asked the Financhal Ombudsman which exists to rdsolve | 0:04:52 | 0:04:55 | |
complaints between banks and customers why they couldn't help. | 0:04:55 | 0:04:57 | |
What they told us was extraordinary. | 0:04:57 | 0:05:00 | |
Barclays and the Bank of Scotland set up a series of entirely separate | 0:05:00 | 0:05:04 | |
companies to administer shared appreciation mortgages. | 0:05:04 | 0:05:07 | |
Because these new companies were not signatories to the banking code | 0:05:07 | 0:05:10 | |
the ombudsman was powerless. | 0:05:10 | 0:05:13 | |
Brian's situation does seem pretty hopeless. | 0:05:13 | 0:05:17 | |
He signed away 75% of the future growth of hi only | 0:05:17 | 0:05:22 | |
He signed away 75% of the future growth of his only | 0:05:22 | 0:05:25 | |
asset, his home, for ?35,000 in cash. | 0:05:25 | 0:05:26 | |
Now he is living with the consequences. | 0:05:26 | 0:05:28 | |
Should we say tough luck, you agreed the deal? | 0:05:28 | 0:05:30 | |
Or has he paid enough for his mistake? | 0:05:30 | 0:05:32 | |
Should these products have dver have been made available | 0:05:32 | 0:05:35 | |
in the first place? | 0:05:35 | 0:05:36 | |
Absolutely not and the banks know perfectly well that | 0:05:36 | 0:05:38 | |
they should never have been made available because after two years, | 0:05:38 | 0:05:41 | |
they stopped making them av`ilable. | 0:05:41 | 0:05:43 | |
Why should they let people off the hook for deals that they | 0:05:43 | 0:05:46 | |
willingly and knowingly signed? | 0:05:46 | 0:05:48 | |
The answer is they should do so when they realise that the product | 0:05:48 | 0:05:53 | |
that they have encouraged pdople to sign is at fault, at risk, | 0:05:53 | 0:05:58 | |
unfair and oppressive. | 0:05:59 | 0:06:02 | |
One man who has spent most of his career studying banks | 0:06:02 | 0:06:06 | |
and the way they behave says shared appreciation mortgagds are | 0:06:06 | 0:06:08 | |
particularly bad. | 0:06:08 | 0:06:11 | |
It just seems like an utter disgrace. | 0:06:11 | 0:06:14 | |
It's almost robbery. It is usuary. | 0:06:14 | 0:06:18 | |
It's a form of lending which is exploiting the ignorance | 0:06:18 | 0:06:22 | |
of the customer. I think it is really unhealthy. | 0:06:22 | 0:06:24 | |
It's got to be stopped. | 0:06:24 | 0:06:29 | |
Hello! | 0:06:31 | 0:06:33 | |
Edna Robson borrowed ?15,000 through a shared appreciation mortg`ge | 0:06:33 | 0:06:36 | |
on her property in Chelmsford. | 0:06:36 | 0:06:39 | |
Now she's in a care home with advanced ddmentia. | 0:06:39 | 0:06:44 | |
When she sold her house for ?182,000, Barclays were entitled | 0:06:44 | 0:06:48 | |
to help themselves to more than half of it, ?96,000. | 0:06:48 | 0:06:53 | |
The remainder will soon be swallowed up by the 24`hour care she needs. | 0:06:53 | 0:07:00 | |
I think it is a fundamentally unfair product because of the amount | 0:07:00 | 0:07:03 | |
of money they had to take b`ck. | 0:07:03 | 0:07:05 | |
There is no need to take that amount of money. | 0:07:05 | 0:07:07 | |
I mean, if they had taken two or three times the initial loan, | 0:07:07 | 0:07:10 | |
that would have been ample but to take six times the amount of the | 0:07:10 | 0:07:15 | |
original loan seems to me to be .. | 0:07:15 | 0:07:18 | |
Elderly people who want to borrow a small amount of money | 0:07:18 | 0:07:21 | |
and they are punished. | 0:07:21 | 0:07:23 | |
My mum cannot afford to pay any care now. | 0:07:23 | 0:07:28 | |
The bank has robbed my mum of the ability to look after | 0:07:28 | 0:07:31 | |
and pay for herself. They just don't want to know. | 0:07:31 | 0:07:34 | |
They pay themselves big fat bonuses and at the end of the day, | 0:07:34 | 0:07:38 | |
all of these elderly people who took out shared appreciation mortgages | 0:07:38 | 0:07:40 | |
are being stitched up. | 0:07:40 | 0:07:43 | |
As far as we have been able to find out, there is no recorded instance | 0:07:43 | 0:07:46 | |
of either Barclays of the B`nk of Scotland agreeing to change | 0:07:46 | 0:07:49 | |
the terms of these mortgages. | 0:07:49 | 0:07:50 | |
It means that every day has prices go up is another brick or roof | 0:07:50 | 0:07:54 | |
tile that these mortgage customers have to hand over to their bank | 0:07:54 | 0:07:58 | |
In the mid`2000s, a Parliamdntary campaign led to | 0:07:58 | 0:08:00 | |
Barclays setting up a hardship fund. | 0:08:00 | 0:08:03 | |
The Bank of Scotland refused to follow suit | 0:08:03 | 0:08:05 | |
saying they would look at e`ch individual case upon applic`tion. | 0:08:05 | 0:08:10 | |
In 2009, victims raised mord than ?1 million for a fighting fund | 0:08:10 | 0:08:15 | |
and took the banks to court hoping to prove that shared apprechation | 0:08:15 | 0:08:18 | |
mortgages were unfair to customers. | 0:08:18 | 0:08:21 | |
One of the campaigners lives in Swanage. | 0:08:21 | 0:08:24 | |
We thought it was all go, go, go. Great. | 0:08:24 | 0:08:28 | |
The solicitor said she had run out of money and went back, wanted us to | 0:08:28 | 0:08:33 | |
go back to the members, the shared appreciation mortgage holders, | 0:08:33 | 0:08:39 | |
to put in another 5,000 each. | 0:08:39 | 0:08:43 | |
And many of them couldn't do it | 0:08:43 | 0:08:47 | |
The banks kept applying leg`l and technical arguments unthl | 0:08:47 | 0:08:50 | |
the victims' fighting fund ran dry. | 0:08:50 | 0:08:53 | |
They were then forced to sign gagging orders | 0:08:53 | 0:08:58 | |
or pay the banks' costs. | 0:08:58 | 0:09:00 | |
Not only could they never ahr their grievances again. | 0:09:00 | 0:09:03 | |
The banks escaped the scruthny of a judge as to whether | 0:09:03 | 0:09:05 | |
the mortgage contracts were unfair. | 0:09:05 | 0:09:07 | |
Although there was very little regulation around mortgage products | 0:09:07 | 0:09:09 | |
in the 90s, both Barclays and the Bank of Scotland were | 0:09:09 | 0:09:12 | |
signatories to the banking code | 0:09:12 | 0:09:14 | |
This code requires banks to act fairly and reasonably, | 0:09:14 | 0:09:17 | |
ensure all services and products comply with thd code, | 0:09:17 | 0:09:19 | |
subscribe to the financial obligations of the mortgage. | 0:09:19 | 0:09:24 | |
Because the banking code was administered by the Banking Codes | 0:09:28 | 0:09:31 | |
Standards Board which doesn't exist any more, we went to the Financial | 0:09:31 | 0:09:34 | |
Conduct Authority and the British Bankers' Association and ask them if | 0:09:34 | 0:09:38 | |
they thought that Barclays and the Bank | 0:09:38 | 0:09:40 | |
of Scotland was breaching the code over shared appreciation mortgages. | 0:09:40 | 0:09:43 | |
Both organisations refused an interview saying the subject | 0:09:43 | 0:09:46 | |
matter was outside their relit. | 0:09:46 | 0:09:51 | |
Inside Out South contacted Barclays and the Bank of Scotland | 0:09:51 | 0:09:55 | |
and asked them to explain how setting up companies outsidd | 0:09:55 | 0:09:59 | |
the scheme ensured all prodtcts complied with the banking code. | 0:09:59 | 0:10:02 | |
We ask them if their customdrs were made fully aware of what wotld | 0:10:02 | 0:10:05 | |
happen if property prices would rise in the way they did and we `sked | 0:10:05 | 0:10:09 | |
given how much has prices h`d risen, were they being fair and re`sonable? | 0:10:09 | 0:10:11 | |
Both Barclays and the Bank of Scotland refused to give this | 0:10:15 | 0:10:18 | |
programme interview but thex denied breaching the banking code `nd say | 0:10:18 | 0:10:23 | |
in all circumstances, they strongly advise customers to get proper, | 0:10:23 | 0:10:25 | |
independent financial advicd. | 0:10:25 | 0:10:28 | |
The Bank of Scotland told us that customers | 0:10:28 | 0:10:31 | |
were required to sign a doctment confirming they fully understood the | 0:10:31 | 0:10:35 | |
nature of the product and B`rclays say they required confirmathon | 0:10:35 | 0:10:37 | |
from the borrowers' solicitor that independent advice had been taken. | 0:10:37 | 0:10:41 | |
Both banks also say that thdy were unable to release anyone | 0:10:41 | 0:10:44 | |
from the terms of their mortgages, for instance by capping the amount | 0:10:44 | 0:10:47 | |
to be repaid, because the rhghts to the profits had been packagdd up | 0:10:47 | 0:10:51 | |
and sold on to other investors. | 0:10:51 | 0:10:54 | |
Barclays told its hardship scheme can allow elderly customers to get | 0:10:54 | 0:10:58 | |
a new mortgage from them when they move home or if they want | 0:10:58 | 0:11:02 | |
to stay in their existing property, they can apply for grants. | 0:11:02 | 0:11:04 | |
Bank of Scotland say despite not having | 0:11:04 | 0:11:07 | |
a hardship scheme, it has bden able to give grants to people to | 0:11:07 | 0:11:10 | |
buy things like stair lifts. | 0:11:10 | 0:11:13 | |
Brian doesn't drive much anx more but once a week, he lays flowers | 0:11:16 | 0:11:19 | |
at his wife's grave. | 0:11:19 | 0:11:20 | |
It gives him the opportunitx to think about the time they spent | 0:11:20 | 0:11:23 | |
together and what the futurd might | 0:11:23 | 0:11:25 | |
hold for him. | 0:11:25 | 0:11:28 | |
I think when we took this ddal out, 16 years ago, | 0:11:28 | 0:11:31 | |
with the Bank of Scotland, Jo and I both thought it was a great idea. | 0:11:31 | 0:11:34 | |
And using a property value which is something in the ahr, | 0:11:34 | 0:11:39 | |
it was giving us cash which we could live on was a great idea. | 0:11:39 | 0:11:44 | |
But now, 16 years on, it gets to a point where I need more | 0:11:44 | 0:11:48 | |
help in terms of care. | 0:11:48 | 0:11:54 | |
I think she would be quite concerned really that | 0:11:54 | 0:11:58 | |
the bank had defaulted in a way and we owe them ?250,000 for | 0:11:58 | 0:12:03 | |
something, for a miserable loan of | 0:12:03 | 0:12:07 | |
?35,000. I think she would find that quite shocking. | 0:12:07 | 0:12:10 | |
She devoted herself to my wdlfare throughout her whole life. | 0:12:10 | 0:12:18 | |
Right now, Brian is surviving but he doesn't know what he will do | 0:12:18 | 0:12:21 | |
if he loses his independencd. | 0:12:21 | 0:12:24 | |
Do you regret taking out that mortgage? | 0:12:24 | 0:12:27 | |
Well, the way it has turned out yes, I do. | 0:12:27 | 0:12:31 | |
It has put me in an impossible situation. | 0:12:31 | 0:12:34 | |
I have to regret taking it out. | 0:12:34 | 0:12:38 | |
I think that is all I can s`y about that, really. | 0:12:38 | 0:12:42 | |
I should have found another way of raising money to solve our problems. | 0:12:42 | 0:12:49 | |
The way it has turned out, it's very unfortunate. | 0:12:49 | 0:12:52 | |
I'm really in a difficult shtuation. | 0:12:52 | 0:12:57 | |
Nick Wallis with that report. | 0:13:05 | 0:13:06 | |
Don't forget, if you've got a story for us, do get in touch | 0:13:06 | 0:13:12 | |
Next, they still don't know what the future holds. | 0:13:12 | 0:13:16 | |
It was seven months ago that some residents were forced out of their | 0:13:16 | 0:13:20 | |
homes by the latest landslide. Now, they want answers. | 0:13:20 | 0:13:26 | |
Moments from the beach, uninterrupted sea views. | 0:13:30 | 0:13:32 | |
You would think it would be a dream place to live | 0:13:32 | 0:13:36 | |
but all is not well on the south coast of the Isle of Wight. | 0:13:36 | 0:13:41 | |
OK, this is us. Come in. | 0:13:41 | 0:13:44 | |
This has been the Wrights' family home for the | 0:13:44 | 0:13:47 | |
past 36 years but seven months ago, they had to move out after ` | 0:13:47 | 0:13:51 | |
landslide. All nine houses on Undercliff Drive were | 0:13:51 | 0:13:55 | |
evacuated when the road collapsed. Today, they are back sandwiching | 0:13:55 | 0:13:58 | |
belongings. | 0:13:58 | 0:14:00 | |
It is only a house when all is said and done | 0:14:00 | 0:14:03 | |
but it can mean a lot to yot. | 0:14:03 | 0:14:05 | |
You lose your stability if xou have nowhere to call your own. | 0:14:05 | 0:14:09 | |
It is our history is here, hsn't it? | 0:14:09 | 0:14:13 | |
The wettest winter on record, | 0:14:13 | 0:14:14 | |
together with an already cr`cked and damaged road built | 0:14:14 | 0:14:16 | |
on an active landslide, proved a disastrous combination | 0:14:16 | 0:14:20 | |
Work to fix it had started, but then was abandoned. | 0:14:20 | 0:14:23 | |
Undercliff Drive simply gavd way. | 0:14:23 | 0:14:27 | |
This is the road resurfacing. | 0:14:27 | 0:14:30 | |
The guys came along, dug down ten metres, | 0:14:30 | 0:14:33 | |
didn't shore at the other side of the road up, as you can see. | 0:14:33 | 0:14:37 | |
And when the rains came, obviously, the road fell into the hole | 0:14:37 | 0:14:40 | |
they dug, which took our nehghbour's garden, their house and, | 0:14:40 | 0:14:43 | |
really, the council have left us high and dry, yeah. | 0:14:43 | 0:14:47 | |
Can you see that little cliff edge there? | 0:14:47 | 0:14:50 | |
It is still moving. | 0:14:50 | 0:14:52 | |
Slowed down a lot, but it's still moving. | 0:14:52 | 0:14:55 | |
It is not like flooding, where it will clear | 0:14:55 | 0:14:57 | |
and you can go back to some sort of house that's yours. | 0:14:57 | 0:15:00 | |
This is get out and leave it and walk away. | 0:15:00 | 0:15:04 | |
The insurance refused to pay for subsidence, | 0:15:04 | 0:15:09 | |
because we haven't got any. | 0:15:09 | 0:15:12 | |
And they say the house is insured, but the road isn't. | 0:15:12 | 0:15:19 | |
And "we don't insure the ro`d". | 0:15:20 | 0:15:21 | |
We'd only bought it 18 months ago. | 0:15:21 | 0:15:23 | |
Now, we've lost our sale. | 0:15:23 | 0:15:24 | |
We've lost everything. | 0:15:24 | 0:15:25 | |
Literally everything. | 0:15:25 | 0:15:28 | |
As well as people's homes, people's livelihoods are now in jeop`rdy | 0:15:28 | 0:15:30 | |
This caravan park had to close, | 0:15:30 | 0:15:35 | |
losing an entire season's income with no idea if it'll ever reopen. | 0:15:35 | 0:15:38 | |
I've only hopefully got loss of earnings for one ye`r, | 0:15:38 | 0:15:41 | |
under the insurance, | 0:15:41 | 0:15:42 | |
but I'm in terrible trouble at the moment even to get that. | 0:15:42 | 0:15:45 | |
After an advance payment on that. | 0:15:45 | 0:15:47 | |
And I'm fast running out of money. | 0:15:47 | 0:15:52 | |
It's the basic geology of this whole area | 0:15:52 | 0:15:55 | |
that's at the heart of the problem. | 0:15:55 | 0:15:58 | |
Layers of sandstone and clay slowly sliding into the sea | 0:15:58 | 0:16:03 | |
and that's wreaked havoc on Undercliff Drive for years. | 0:16:03 | 0:16:07 | |
Back in 1926, a huge landslide made headlhnes | 0:16:07 | 0:16:11 | |
with deep cracks in the road just like today. | 0:16:11 | 0:16:15 | |
In 2001, it happened again, leading to a scandal, with sackings | 0:16:15 | 0:16:18 | |
and resignations at Isle of Wight Council. | 0:16:18 | 0:16:30 | |
This time, residents accused the council of keeping them in the dark | 0:16:30 | 0:16:33 | |
about what's going on and of taking months to come up with a solution. | 0:16:33 | 0:16:36 | |
Meeting after meeting has bden held as residents | 0:16:36 | 0:16:38 | |
wait for answers from the council. | 0:16:38 | 0:16:40 | |
What've we learnt tonight? | 0:16:40 | 0:16:41 | |
They've never been there by the sounds of it. | 0:16:41 | 0:16:43 | |
They've never seen the placd. | 0:16:43 | 0:16:45 | |
As time goes on, people livhng either side of the blocked road have | 0:16:45 | 0:16:48 | |
joined the fight to get it reopened. | 0:16:48 | 0:16:50 | |
I would like to think that our government, if it can pour | 0:16:50 | 0:16:53 | |
money into the Somerset Levdls and the Thames Valley, | 0:16:53 | 0:16:56 | |
why can't it help these poor house holders who've lost their homes | 0:16:56 | 0:16:59 | |
Surely, it's the same parallel, there should be some help. | 0:16:59 | 0:17:02 | |
There has been no help. | 0:17:02 | 0:17:04 | |
A local town councillor has resigned over the issue, | 0:17:04 | 0:17:07 | |
believing Island Roads and Hsle of Wight Council have been too cosy. | 0:17:07 | 0:17:11 | |
The problem is they've almost protected each other | 0:17:11 | 0:17:14 | |
and it has been difficult to get answers. | 0:17:14 | 0:17:20 | |
And, if answers come, they're extremely delayed. | 0:17:20 | 0:17:22 | |
We're talking now about nind victims. | 0:17:22 | 0:17:25 | |
One of them, in fact, had lhved on Undercliff Drive for 35 xears. | 0:17:25 | 0:17:28 | |
They're elderly pensioners, they've got no flexible income | 0:17:28 | 0:17:32 | |
and now, their lives are in limbo. | 0:17:32 | 0:17:34 | |
They've got no future to look forward to and this is hurthng. | 0:17:34 | 0:17:38 | |
Many residents believe work to the road should never have been | 0:17:38 | 0:17:41 | |
started during the wettest winter on record. | 0:17:41 | 0:17:44 | |
With his caravan park still closed, Gary Smedmore's used | 0:17:44 | 0:17:47 | |
the Freedom Of Information @ct to uncover a civil engineer's | 0:17:47 | 0:17:50 | |
risk assessment for the Unddrcliff commissioned by the council. | 0:17:50 | 0:17:54 | |
The risk assessment report hs quite damning, really. | 0:17:54 | 0:17:58 | |
Civil engineers have said that they shouldn't go ahead | 0:17:58 | 0:18:01 | |
in the inclement weather and it had highest possible risk of fahlure. | 0:18:01 | 0:18:04 | |
They already knew the water level was on amber on the Underclhff | 0:18:04 | 0:18:09 | |
in September and yet, they waited till November to start digghng and | 0:18:09 | 0:18:12 | |
it was well on its way to rdd then, which was an imminent landslide | 0:18:12 | 0:18:18 | |
And they failed to tell anyone on the Undercliff of the danger | 0:18:18 | 0:18:22 | |
We asked the council for an intervie on numerous occasions. | 0:18:22 | 0:18:27 | |
We asked the council for an interview on numerous occashons | 0:18:27 | 0:18:29 | |
They declined. | 0:18:29 | 0:18:31 | |
So we asked Island Roads, who has a ?260 million contract over | 0:18:31 | 0:18:34 | |
the next 25 years to look after the Isle of Wight's roads. | 0:18:34 | 0:18:37 | |
In your view, did the works going on at the time | 0:18:37 | 0:18:40 | |
contribute in any manner to what happened? | 0:18:40 | 0:18:42 | |
No. | 0:18:42 | 0:18:44 | |
Simple as that? | 0:18:44 | 0:18:46 | |
Yes. | 0:18:46 | 0:18:48 | |
Can you see why residents are puttin two and two together? | 0:18:48 | 0:18:53 | |
Can you see why residents are putting two and two together? | 0:18:53 | 0:18:57 | |
Saying works is being carridd out in inclement weather. | 0:18:57 | 0:19:00 | |
They'd seen a report, which says, look, this is a big risk. | 0:19:00 | 0:19:03 | |
This is a risk about doing the works | 0:19:03 | 0:19:05 | |
at a time of high water tables and bad weather. | 0:19:05 | 0:19:07 | |
With regard to the works thdmselves, again, | 0:19:07 | 0:19:09 | |
it's important to emphasise that these weren't works targeted | 0:19:09 | 0:19:11 | |
at addressing the underlying geological instability in the area. | 0:19:11 | 0:19:13 | |
Therefore, the landslip that took place over a 3km section, | 0:19:13 | 0:19:16 | |
not just in the vicinity of the works, | 0:19:16 | 0:19:19 | |
was something that couldn't have been predicted. | 0:19:19 | 0:19:22 | |
With the whole area part of the biggest inhabitdd active | 0:19:22 | 0:19:25 | |
landslide complex in western Europe, any man`made structure, | 0:19:25 | 0:19:27 | |
like the road, is at risk. | 0:19:27 | 0:19:30 | |
There's a gulley that comes down here. | 0:19:30 | 0:19:32 | |
It has done perhaps for hundreds of years. | 0:19:32 | 0:19:36 | |
And if you then fill that gtlly in, what you end up with is a shtuation | 0:19:36 | 0:19:40 | |
where you are battling with nature, rather than working with nature | 0:19:40 | 0:19:42 | |
Um, and nature wins and it's literally just washed | 0:19:42 | 0:19:46 | |
the sort of blockage, sort of the road, out of thd way. | 0:19:46 | 0:19:50 | |
Um, and so really, I guess ht's bad design over tens of years. | 0:19:50 | 0:19:53 | |
So what would it take to fix this notorious stretch of road? | 0:19:53 | 0:19:56 | |
It comes down to money at the end of the day. | 0:19:56 | 0:19:59 | |
In terms of engineering, it's not a major problem. | 0:19:59 | 0:20:03 | |
It's something that could be done very eashly. | 0:20:03 | 0:20:05 | |
But it's going to cost. | 0:20:05 | 0:20:07 | |
You know, it could cost tens of millions of pounds possibly | 0:20:07 | 0:20:10 | |
to put this right. | 0:20:10 | 0:20:11 | |
It's hard to say exactly, but it's an expensive task. | 0:20:11 | 0:20:15 | |
It's not within the Island Roads contract to fix | 0:20:15 | 0:20:17 | |
the landslip at Undercliff Drive. | 0:20:17 | 0:20:20 | |
So, a few days ago, the council proposed spending not millions, | 0:20:20 | 0:20:23 | |
but up to ?500,000 on the problem. | 0:20:23 | 0:20:27 | |
A decision on how that'll bd spent will be made tomorrow, | 0:20:27 | 0:20:31 | |
meaning there's no closure xet for the residents of Undercliff Drive. | 0:20:31 | 0:20:35 | |
I'm 70 this year and I've had two heart attacks. | 0:20:35 | 0:20:39 | |
It's just too much. | 0:20:39 | 0:20:41 | |
It really is too much. | 0:20:41 | 0:20:43 | |
But, you know, that's how it is | 0:20:43 | 0:20:49 | |
And I'd love to hear your thoughts on that story. | 0:20:52 | 0:20:54 | |
We're on Twitter, of course ` insideoutsouth. | 0:20:54 | 0:20:57 | |
Now finally tonight, | 0:20:57 | 0:21:00 | |
as we've seen in the recent case of the little boy with a brain tumour, | 0:21:00 | 0:21:04 | |
desperate families will try anything to get the latest medical c`re. | 0:21:04 | 0:21:07 | |
And when doctors here say nothing more can be done, some people | 0:21:07 | 0:21:10 | |
simply refuse to believe it. Mark Jordan reports. | 0:21:10 | 0:21:15 | |
We are at war with cancer. | 0:21:18 | 0:21:21 | |
We have had our victories, but some battles are yet to be won. | 0:21:21 | 0:21:29 | |
Each parent at this gathering knows their child might | 0:21:29 | 0:21:31 | |
die from neuroblastoma, a rare childhood cancer. | 0:21:31 | 0:21:34 | |
The way of thinking around the world, literally, is th`t, | 0:21:34 | 0:21:37 | |
once you relapse with high`risk neuroblastoma, | 0:21:37 | 0:21:39 | |
you have no chance of survival. | 0:21:39 | 0:21:43 | |
What do you do when respectdd foreign doctors tell you | 0:21:43 | 0:21:47 | |
they can better your child's chances? | 0:21:47 | 0:21:50 | |
The figures in America come out between 20% | 0:21:50 | 0:21:52 | |
and 30% extra chance of survival with immunotherapy. | 0:21:52 | 0:21:54 | |
We had to raise funds to get our child to America. | 0:21:54 | 0:21:57 | |
It must be terrible to be in a situation where you think | 0:21:57 | 0:22:00 | |
there are no options available to you here, | 0:22:00 | 0:22:02 | |
but they must be available somewhere. | 0:22:02 | 0:22:07 | |
But by the end of the year, this same doctor will be administering | 0:22:07 | 0:22:11 | |
one of America's most promising trials right here in Britain. | 0:22:11 | 0:22:14 | |
And it will be a vaccine trhal. . | 0:22:14 | 0:22:16 | |
APPLAUSE | 0:22:16 | 0:22:20 | |
This is a story of faith, hope and charity. | 0:22:20 | 0:22:23 | |
How ordinary people dug deep and reached for the clouds, | 0:22:23 | 0:22:27 | |
cutting through the bureaucracy the NHS and the drug companhes, | 0:22:27 | 0:22:31 | |
raising enough for one of the most promising trials to come to Britain. | 0:22:31 | 0:22:38 | |
We've gotten to the point where we say, | 0:22:38 | 0:22:41 | |
if someone isn't cured, what went wrong? | 0:22:41 | 0:22:45 | |
To understand why these trials bring such hope, | 0:22:45 | 0:22:48 | |
you need to meet Lilly MacGlashan from Dunst`ble | 0:22:48 | 0:22:52 | |
You can see how veined her stomach was. | 0:22:52 | 0:22:54 | |
I mean, she was more tumour than she was baby. | 0:22:54 | 0:22:57 | |
Over the years, I've been fhlming her incredible journey. | 0:22:57 | 0:23:00 | |
In 2011, NHS doctors said they could do no more | 0:23:00 | 0:23:03 | |
when her neuroblastoma relapsed | 0:23:03 | 0:23:06 | |
She was completely covered in floating tumours. | 0:23:06 | 0:23:10 | |
It spread to her brain and her spine. | 0:23:10 | 0:23:14 | |
We were then taken in an office and told that, | 0:23:14 | 0:23:19 | |
"take some pictures, make the best of her, because it will be lethal." | 0:23:19 | 0:23:22 | |
I sat on my stairs and I screamed. | 0:23:22 | 0:23:26 | |
"I'll research it on the internet and I will find something." | 0:23:26 | 0:23:30 | |
Granny's laptop discovered a prestigious American cancdr | 0:23:30 | 0:23:33 | |
hospital offering a promising trial treatment. | 0:23:33 | 0:23:37 | |
About 75% of our children sdem to grow up and move on | 0:23:37 | 0:23:41 | |
and neuroblastoma's not part of their...their issues any more. | 0:23:41 | 0:23:45 | |
And before that? | 0:23:45 | 0:23:48 | |
Before that, unfortunately, we had no survivors. | 0:23:48 | 0:23:52 | |
Lilly's 8H9 treatment at Melorial Sloan Kettering cost ?1.2 mhllion. | 0:23:52 | 0:23:56 | |
All raised by charity. | 0:23:56 | 0:23:58 | |
The result ` Lilly is in relission. | 0:23:58 | 0:24:01 | |
The check ups go on. | 0:24:01 | 0:24:04 | |
Up to now, they've all been N.E D ` No Evidence of Disease. | 0:24:04 | 0:24:12 | |
It's amazing, two years on, being here and seeing Lilly. | 0:24:12 | 0:24:14 | |
How has it been? | 0:24:15 | 0:24:16 | |
Lilly's doing really well. She's full of mischief. | 0:24:16 | 0:24:18 | |
She's really wilful. And she just loves life! | 0:24:18 | 0:24:24 | |
And, at one point, the NHS had told you there was no hope. | 0:24:24 | 0:24:27 | |
Yeah, they did. | 0:24:27 | 0:24:28 | |
And if we had listened to them in the first place, | 0:24:28 | 0:24:31 | |
we wouldn't be sitting here now | 0:24:31 | 0:24:35 | |
And that's why charities like JACK | 0:24:35 | 0:24:37 | |
and Neuroblastoma Alliance keep fundraising. | 0:24:37 | 0:24:41 | |
Here, Met and Essex police officers run a half marathon in New Xork | 0:24:41 | 0:24:46 | |
Richard Brown lost his son Jack to the disease, yet still rtnning | 0:24:46 | 0:24:49 | |
so that others might survivd. | 0:24:49 | 0:24:53 | |
He had survived the first ydar. | 0:24:53 | 0:24:56 | |
There was no more applicabld treatment in the UK. | 0:24:56 | 0:24:59 | |
They couldn't define the disease and he was sent home. | 0:24:59 | 0:25:01 | |
It's very emotive. | 0:25:01 | 0:25:03 | |
You've got big burly cops hdre who have been reduced to tears. | 0:25:03 | 0:25:06 | |
Parents shouldn't have to bury their children. | 0:25:06 | 0:25:11 | |
Other European governments, like Greece, for example, p`y | 0:25:11 | 0:25:14 | |
for their kids to come to Mdmorial Sloan Kettering for treatment, | 0:25:14 | 0:25:17 | |
but not the NHS, which leavds child cancer charities in the awftl | 0:25:17 | 0:25:20 | |
position of trying to pick which child they can pay to send here | 0:25:20 | 0:25:25 | |
Lilly is a real inspiration to us. | 0:25:25 | 0:25:29 | |
I mean, it was a very costlx treatment that she had to | 0:25:29 | 0:25:32 | |
go for, but she wouldn't be here today if it wasn't for that. | 0:25:32 | 0:25:38 | |
And as much as we'd like to say we could just send them all abroad it | 0:25:38 | 0:25:42 | |
is just too expensive and wd couldn't sustainably fund it, So | 0:25:42 | 0:25:44 | |
we're trying | 0:25:44 | 0:25:45 | |
to look for ways to bring these innovative treatments into the UK. | 0:25:45 | 0:25:48 | |
With ?300,000 raised, | 0:25:48 | 0:25:50 | |
they asked a medical panel to pick the most promising trial for Britain | 0:25:50 | 0:25:54 | |
They chose a vaccine from Sloan Kettering that hopes to teach | 0:25:54 | 0:25:57 | |
a child's body to destroy c`ncer. | 0:25:57 | 0:26:01 | |
Three years into the New York study, | 0:26:01 | 0:26:04 | |
12 of the 15 children remain disease free. | 0:26:04 | 0:26:07 | |
By the end of the year, | 0:26:07 | 0:26:10 | |
this trial will expand to the Bristol Royal Hospital for Children. | 0:26:10 | 0:26:13 | |
Available free on the NHS, the vaccine paid for by charity | 0:26:13 | 0:26:16 | |
Bringing a trial over to thd UK | 0:26:16 | 0:26:20 | |
which otherwise would operate in North America, I think | 0:26:20 | 0:26:23 | |
is transformational, actually, and it's entirely down to them. | 0:26:23 | 0:26:26 | |
Without their funding, we would not be doing this study. | 0:26:26 | 0:26:28 | |
It'll come to us eventually, | 0:26:29 | 0:26:31 | |
but it'll come 5`10 years after the event. | 0:26:31 | 0:26:35 | |
But that would be too late for these families. | 0:26:35 | 0:26:38 | |
Although promising, | 0:26:38 | 0:26:41 | |
the doctor understands why the NHS left the charity to buy the vaccine. | 0:26:41 | 0:26:50 | |
How could you spend this amount of money | 0:26:50 | 0:26:52 | |
on something which is unproven? | 0:26:52 | 0:26:53 | |
We're going to treat 12 pathents with this money. | 0:26:53 | 0:26:55 | |
That expense is unsupportable. | 0:26:55 | 0:26:56 | |
So it's a matter of priorithes and a matter of what can | 0:26:56 | 0:26:59 | |
realistically be brought into the NHS without breaking the budget | 0:26:59 | 0:27:02 | |
But there are still 13 patidnts who are alive out of 15 | 0:27:02 | 0:27:05 | |
and I'd rather be in that group than perhaps the trial that says | 0:27:05 | 0:27:08 | |
three children out of 15 are still alive. | 0:27:08 | 0:27:10 | |
In this case, we have very, very few genes that are altdred | 0:27:10 | 0:27:14 | |
Britain's Institute of Cancdr Research welcomed the charity | 0:27:14 | 0:27:16 | |
paying for a vital trial, because drug companies often see no | 0:27:16 | 0:27:20 | |
profit in testing their best drugs on rare child cancers. | 0:27:20 | 0:27:25 | |
The numbers just aren't there. | 0:27:25 | 0:27:27 | |
Certain cancer drugs which are active in adult | 0:27:27 | 0:27:29 | |
cancers are not required to be tested in children | 0:27:29 | 0:27:33 | |
and therefore are not available for clinical trials. | 0:27:33 | 0:27:37 | |
Less than 25% of those drugs have reached children. | 0:27:37 | 0:27:40 | |
That's frustrating for clinhcians, it's frustrating for parents. | 0:27:40 | 0:27:45 | |
I can't do big circles. | 0:27:45 | 0:27:47 | |
Can't you? | 0:27:47 | 0:27:49 | |
I can't. | 0:27:49 | 0:27:52 | |
So against all these odds, Lilly is well and back home. | 0:27:52 | 0:27:56 | |
It's just amazing that they're starting to bring | 0:27:56 | 0:27:58 | |
the treatment over here. | 0:27:58 | 0:28:00 | |
It's not just that. | 0:28:00 | 0:28:02 | |
They're not just getting one of the treatments. | 0:28:02 | 0:28:04 | |
They're getting the latest treatment, | 0:28:04 | 0:28:06 | |
the most advanced treatment. | 0:28:06 | 0:28:09 | |
Not all trials succeed. | 0:28:09 | 0:28:12 | |
But it's little miracles like Lilly that now puts | 0:28:12 | 0:28:14 | |
so much hope on the one in Bristol. | 0:28:14 | 0:28:16 | |
I love it. | 0:28:16 | 0:28:18 | |
I just love watching her love life. | 0:28:18 | 0:28:20 | |
You couldn't ask for nothing more. | 0:28:20 | 0:28:23 | |
Mark Jordan with that report. | 0:28:25 | 0:28:28 | |
That's all we've got time for from the Isle of Wight. | 0:28:28 | 0:28:30 | |
We're back to our normal tile next week ` 7:30. | 0:28:30 | 0:28:33 | |
Till then, bye`bye. | 0:28:33 | 0:28:35 | |
Next week, all aboard the pensions special | 0:28:35 | 0:28:37 | |
We're asking why about half of us | 0:28:37 | 0:28:40 | |
don't have any private pension savings. | 0:28:40 | 0:28:42 | |
Who hasn't got a pension? | 0:28:42 | 0:28:45 | |
And if you do have a pension, watch out. | 0:28:45 | 0:28:49 | |
We reveal the unscrupulous people trying to | 0:28:49 | 0:28:51 | |
get their hands on your mondy. | 0:28:51 | 0:28:55 |