07/01/2016 Victoria Derbyshire

Hello it's Thursday, it's 9.15, I'm Joanna Gosling in for Victoria,

The Labour leader Jeremy Corbyn will finalise his front bench today

after shadow ministers announced their resignations.

But the dispute between the party's factions boils over online.

It sparked three days of violence in France a year

on from the shooting at the satirical magazine

Charlie Hebdo; the wife of one of the victims tells us

the authorities didn't learn enough lessons to prevent further

TRANSLATION: We should have anticipated an attack could have

taken place and put it under surveillance then organise

themselves so when an attack happened there wouldn't be any

panic. Also ahead, why loneliness

is being described as a new epidemic It's Difficult to admit you're

lonely to other people but it's also difficult to admit it to yourself.

We're on BBC 2, the BBC News Channel and online until 11 this morning.

We'll keep you across the latest breaking and developing stories.

A little later we'll be hearing from our political guru Norman Smith

as Jeremy Corbyn is expected to finalise his Labour frontbench

team today a job he thought he'd finished in the early hours

That was before three shadow ministers announced

And now it seems the dispute between Labour's various factions

We really value your comments throughout the morning so do

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by going to add topics and searching Victoria Derbyshire.

First this morning a year ago today Islamist killers attacked

the offices of Charlie Hebdo, the satirical French magazine.

It sparked three days of violence across France leaving 17 people

dead, and bringing thousands of people out onto the streets

across the world in support of freedom of expression.

At 11:30am on Wednesday, January 7th, a black Citroen drove

up to the Charlie Hebdo building in Paris.

Two masked gunmen entered the newsroom

12 people were killed. Seven were wounded.

Eyewitnesses described carnage at the scene.

Watched by onlookers, the gunmen escaped, shooting

a policeman at point-blank range as they went.

The attackers hijacked a car and disappeared,

At about 8:45am local time the following day,

as police continued their search for the

Charlie Hebdo attack suspects, a lone gunman shot two people

in the southern Paris suburb of Montrouge before fleeing.

The French authorities initially dismissed any

suggestion of a link between the shooting

and the Charlie Hebdo killings, but later confirmed

A major breakthrough in the hunt for the

Charlie Hebdo suspects came at about 10:30am that day,

when they robbed a service station north-east of Paris.

It took the police searched the small village of Longpont,

where homes were sealed off and searched.

Police were getting closer to their two wanted men,

On the morning of the 9th the manhunt entered its

final stage, as police closed in on the suspects,

who were holed up in a printing works in Dammartin-en-Goele,

Elite forces deployed snipers, helicopters and military equipment,

sealing off any means of escape, beginning a tense,

Just before 5pm local time, the impasse ended as smoke was seen

rising from the print works amid explosions and gunfire.

The two brothers, who had told local media they would die martyrs'

deaths, emerged from the building firing at police.

Both suspects were killed and two police officers were injured.

Meanwhile in Paris, another siege was under way as a gunman took

several people hostage at a kosher supermarket at Porte de Vincennes

in the east of Paris after a shoot-out.

Police quickly surrounded the building.

Amedy Coulibaly was identified as the hostage-taker and was killed

by Special Forces as they entered the store, freeing 15 hostages.

Three days of terror came to a close, but the world became

united in support for freedom of speech.

Thousands took to the streets of Paris in a show of defiance.

World leaders walked hand-in-hand as people declared,

The widow of one of the men killed in the Charlie Hebdo attack has told

this programme that the French government still has lessons

Georges Wolinski was one of France's best known cartoonists.

He was taking part in the magazine's editorial meeting with other members

of staff when the attackers arrived and opened fire.

Maryse Wolinski, his widow, told us she still feels "angry

and very fragile" a year on from the attack.

TRANSLATION: My year began with the news that my husband

Above all, I was in a state of devastation, stupor.

A state of denial, which continued after I shut myself off

And I asked myself the question that seemed

How could such an attack, a massacre, have happened

in the offices of a satirical magazine that had been considered

sensitive or at risk for a number of years?

Why wasn't Charlie Hebdo under surveillance?

Why didn't the police arrive before the massacre took place?

Why hadn't the magazine put in place measures they had been told to,

And I did a sort of investigation into all these questions.

And afterwards, when I got my notes together, there was this phrase

It was the last sentence of my husband.

We would have breakfast together, look at our diaries to see

what we were doing together, and indeed we were meant

to have an appointment at four o'clock to visit an apartment.

After that, we let each other get ready.

I was in my bathrobe when he came to me to say,

I looked at him, I don't remember if I kissed him...

And that sentence, "Darling, I'm off to Charlie".

They were my husband's last words to me.

They remind me of everything about my husband.

They remind me of my husband, who dedicated 50 years of his life

They remind me of everything about my husband.

I was in a taxi when I learned about the attack.

When I was returning home, this taxi driver, he was very kind,

And through his tears, I saw the death of my husband.

When I got home, I felt like a ball of fire was inside me.

And I understood then that something had ended.

Because I said to myself, they haven't learned the lessons

The place which was considered a soft target, I'm talking

about the Bataclan, wasn't protected.

And the attack left 130 people dead before the police had arrived.

They should have anticipated that an attack could take place

and at least put it under surveillance.

And then organise themselves so that, when an attack happened,

And also to understand that you shouldn't abandon

mourning relatives to look for their children, their husbands

Unfortunately, I have to live with the memories.

It's what I always used to say to my husband.

When my mother died, I told him, "You become nothing more

than a photo in a frame - it's what happens".

So the future makes me feel very fragile, because I never asked

myself that question when I was with my husband.

Because, you know, we had lived together more than 47 years.

I met him when I was 21, so I've always lived

So how will I live now, without him looking at me?

Without the conversations we had? Without his advice?

And it's that that's difficult, and it makes me feel a bit fragile.

My husband still makes me laugh when I look at his cartoons.

For example, I found this sentence a few days ago

I believe in nothing, but if God left me a message

on my answerphone, that would make me happy.

So my husband continues to make me laugh with his cartoons,

Official ceremonies to mark the anniversary are being held

President Francois Hollande will address members of the security

forces at the police headquarters in Paris later today.

He's expected to give details of plannned changes to the law,

including stronger stop-and-search powers for police.

Meanwhile Charlie Hebdo has printed a million copies of its anniversary

edition which features a cartoon of a gun-toting,

God-like figures and the words: "one year on -

You can of course watch and share those films again

Still to come: Has Cologne become a no-go zone for women?

We speak two women in the city after a string of New Year sexual

attacks has left inhabitants terrified.

And we'll be discussing plans which could see crucial GCSE

and A-level exams being rescheduled, to avoid clashing with the height

The Chancellor, George Osborne, is to warn that the economy

is facing a "dangerous cocktail" of new threats this year,

In contrast to the upbeat tone of his Autumn Statement six weeks

ago, Mr Osborne will tell business leaders that Britain risks

going into decline if it eases up on austerity.

The chief executive of Marks and Spencer, Marc Bolland,

has insisted he's not stepping down early due to disappointing sales.

He announced his departure this morning as the company reported

that sales of general merchandise, including clothes, fell by nearly

6% in the three months to the end of December.

Trading has been halted on China's stock markets for the second time

this week after share prices plunged by more than seven %.

An automatic shutdown took place after just half an hour of trading.

The mechanism was introduced after the stock market crash

Today marks one year since the attacks by Islamist gunmen

on the satirical French magazine, Charlie Hebdo.

12 people were killed, including a policeman outside,

and five other people were killed in co-ordinated attacks afterwards.

The US Presidential hopeful Donald Trump has warned

he will withdraw ?700 million of investment

in his championship golf courses in Scotland if he is banned

MPs are due to debate whether the Republican politician

and businessman should be refused entry.

Last month Mr Trump called for a ban on Muslims coming to America.

The biggest ever UK lottery jackpot went unclaimed again last night.

Operator Camelot said it sold about 200 tickets a second

in the hour before sales closed, leading the website to crash.

The new estimated jackpot for Saturday is ?57.8 million.

Let's catch up with all the sport now and join Catherine Downes.

The campaigning is in full swing for a new head of Fifa,

and Prince Ali says he's the man for the job.

That is right, the politics rumbles on at Fifa. Next month there will be

an election to find a new president after Sepp Blatter was removed in a

storm of controversy. Prince Ali says he is the man tough enough to

bring around real change. We will be hearing from him a little later on.

We will also have the latest on the case of Dr Eva Carneiro against

Chelsea, she has brought a case of constructive dismissal against the

club, who dropped from first-team duties after she ran onto the pitch

season to treat a player, leaving them with nine men on the field. We

also have League Cup football results and some tennis results from

down under. Later on in the programme as well I will speak to

will Bailey, a table tennis player who won silver at the London

Paralympics, he will be coming in to tell us who the big stars will be

for the British team ahead of the real Olympics coming up this summer,

and telling us how we can get behind them as supporters for that team as

well. All of that coming up after 10am.

Thank you, see you later. The Co-op Group is facing serious charges at

an employment tribunal today brought by a woman who used to be a big boss

there. She was the former group procurement director and claims she

was unfairly dismissed after discovering and reporting wrongdoing

at the group. She is seeking more than ?5 million in damages. Our

legal eagle Clive Coleman is here. Tell us more about it?

It is high profile, these are serious allegations. Let's recall

some of the history of the troubled Co-op Group. In 2013A1 5p black hole

was found in the Co-op Bank's finances, which led to a billion

loss for the group as a whole in 2013. 2013. -- led to a ?2.5 billion

loss. One of the chief executive stepped down because of issues

related to expenses and was subsequently convicted for

possession of drugs. Off the back of all of that trouble, the Co-op were

clearly looking to cut costs to get their business by contract. They

hired Kath Harmeston, head hunted her from the Royal Mail. She had

been instrumental there in achieving ?650 million in cost-cutting. They

took her on but it was not a happy relationship. She claims that she

was unfairly sacked because she reported, disclosed that there was

wrongful corporate wrongdoing taking place at the Co-op, and as a result

of that she made what is known as predicted, anyone of us, you what I,

if we make disclosures about things that are wrong at work, it is called

protected disclosures, and she says she was unfairly sacked. It is a TUI

case beginning today in which she will detail the allegations and

there is some senior top brass from the Co-op also giving evidence.

Looking back over an uncomfortable recent past for the Co-op. What is

the scope of the Co-op? It is not fair to determine, under

the act, the basis on which you can make these protected disclosures if

you say they are criminal offences taking place or if someone was in

breach of a legal duty, what the tribunal cannot do is determine

whether there was criminality or breach of a legal duty. What it is

there to do is determine whether Kath Harmeston honestly and

reasonably believed that those things were taking place, and

therefore made protected disclosures, and, if, as a result of

making those, she was sacked, that would be unfair dismissal and they

would award the appropriate result because of that.

Keep us updated as it goes along. Briefly, the Co-op strenuously deny

her allegations. We will hear more from you

throughout the tribunal, no doubt. Germany is in a state of some shock

at events on New Year's Eve in Cologne and some

other big cities. It was more than rowdy behaviour -

there was intimidation of women, thefts, groping and sexual attacks

and fireworks were dangerously And it seems to have been

perpetrated by large gangs of young To a country that has been

so welcoming to refugees, it's led to some deep soul-searching

and it's divided opinion. Amid concerns that Cologne has

become a "no-go area for women" the mayor has also been criticised

for proposing a code of conduct that women should follow

to avoid being assaulted. These women have talked

about what happened to them. TRANSLATION: All of a sudden, these

men around us began groping us. They touched our behinds

and walked in step with us. So my girlfriend and I wanted

to get out of the crowd. When I turned around,

one guy grabbed my bag and ripped it I thought to myself that

if we stay here in this crowd, they could kill us, they could rape

us and nobody would notice. I thought we simply

had to accept it. There was no-one around us

who helped or was in TRANSLATION: They felt

like they were in power and they could do anything

with the women who were out They touched us everywhere.

It was truly terrible. We ran to these police cars

but there was no-one there. We knew very well that

at that moment the police were so understaffed

that they couldn't deal with this, so us women had to go

through something like that. Let's speak to Julia Hiltscher,

a mum who lives in Cologne. And Mirle Heinzen, who also lives

in the city and was sexually Thank you both for joining us. The

events of New Year's Eve particularly shocking. Mirle, you

have been attacked previously. Tell us your experiences and how it makes

you feel now in the light of what happened on New Year's Eve? Last

July I went out with some girlfriends and at about 1am I had a

gentleman follow me home and thought he would disappear, because it

actually happens quite a lot, if you walk or cycle home at night people

will approach you and talk to you and they think it is fun and games

and then they disappear, but he actually followed me home, I thought

he would leave but he jumped in my front door, put his foot in the

door, held it open and attacked me from behind. I screamed at the top

of my lungs, I picked, I scratched, and eventually I got rid of him. I

had pepper spray which I tried to use which he managed to take off me,

but I think seeing the pepper spray he realised he was not going to get

anywhere with me and I was lucky. I was wearing a lot of layers and he

had a hard time trying to get anywhere with me, he couldn't get

his hands down my pants, which he tried, so after leaving I called the

police and they were brilliant, the way they treated me, they way they

tried to investigate. I'm impressed with the way the cops are treating

the situation. You said it is quite common to be followed around. What

happened on New Year's Eve obviously was particularly brazen. Do you make

a link with the people who are doing all of these, following this sort of

behaviour? Yes and no. To be honest, the people I have been approached by

have, by and large, been of northern African or Arabic descent, but the

group on New Year's Eve I think was a completely different kettle of

fish altogether, just because that was sort of organised and it was

large groups of people that were doing it, whereas the incidents that

have happened to me in that style have always been isolated,

individual incidents. Because they usually go away you get lulled into

a false sense of security. As long as you are aware and make sure that

you are not stupid about it, don't go home by yourself, have

protection, have a whistle, take a taxi, I think a lot of it can be

avoided and I think New Year's Eve was different because it was a large

group and difficult to get away from. Is it a relatively recent

phenomenon? It is a large city, this is always sort of happened, but I

have lived in Cologne for four years, it has got worse in the last

year, I have been approached about ten times more than I had in the

previous three years. What do you put that down to? It is difficult to

say. I do think there is probably an increase in population, foreign

population, but more importantly I think it becomes a self-fulfilling

prophecy because if the media and general community keep going on and

on about how these gentlemen attack ladies then I think they will just

think, this is what is expected, we can get away with it, that is what

people think anyway. So I think there is a lot to be said for

people... The more it gets spread in the media or amongst communities,

social media, the more people are going to get those ideas. Mirle, we

are having some trouble hearing you so we will try to fix that. We will

bring in Julia, hopefully we can bring you back in in a moment.

Julia, tell us your experiences, have you seen anything like this? I

have to say I haven't noticed any changes, but I have been out and

about with my baby for the past 14 months, so I go out by day, mostly,

not by night will stop before I had my daughter I was always coming home

very late and I was always walking home on foot for an hour and didn't

notice anything. I hope that this incident at the main station is just

a very bad incident that is not happening more often now. We can

just see your Child peeking into view there, having a good old play

as you chat to us. You are saying that you have not particularly seen

much going on. Do you feel vulnerable, having read about what

happened on New Year's Eve and seeing the pictures? Just yesterday

and Arab looking guy helped me with my stroller, and I don't know if it

is, like, what kind of people, everybody can do bad things, not

just Arab looking people. I feel very safe in the underground still,

I'm going on the underground with my daughter every day, and I hope that

a few people will not change and I hope the police will be

investigating in this particular case, they said there are 70 more

policemen now working on this case to find out who did this on New

Year's Eve and I hope that they will find the people who are responsible

for this. Germany has obviously welcomed a lot of migrants over the

last year, more than a million over the last year. From the people who

you know, are the sorts of incidents impacting on the way people are

feeling about that migration? I feel like people have become more caring

and more friendly. There are lots of refugees coming here, at the same

time I think neo-Nazis are using this incident to kind of jump on the

bandwagon and use it for their propaganda, especially on social

media, and that scares me, and I hope that people of Cologne will

stay strong and not be fooled by people who are victimised in, people

who are scapegoating people who are not to be blamed. Mirle, has it had

an impact on how you view immigration? To be honest, no. I am

very fortunate in that I have a very large group of friends and most of

them are foreigners, including myself. I love the culture of

diversity that you get in Cologne, so it is actually a very, very cool

place to live in terms of all the different nationalities you have in

one place. What it does impact is the way that you sort of approach

particular individuals, so whether you want to or not once you have had

an experience like that if you see a guy late at night with a slightly

darker skin colour, you will sort of stay out of his way. What do you

both think about the way the authorities are dealing with this?

The comments from the mouth Cologne sailing that women should not be any

closer than arm's-length to strangers -- comments from the Mayor

of Cologne. Is that a helpful message? I think it was taken out of

context, she didn't mean to say it this way. Of course, the victims are

not to be blamed, and I think she sees it the same way and it was a

very unlucky way that she put it and the way it was taken out of the

interview, out of context. Of course she wants to find the people who did

this and who are responsible, and she doesn't want victim blaming

going on there. Mirle, what do you think? Have you changed your

behaviour after what happened to you to try to protect yourself?

Absolutely, for starters I tend to agree, I think the comments that the

mayor made were taken out of context. Of course it is ridiculous

in a large city, and Europe is very, very crowded, to stay at arms length

to anyone at any given time in the central city areas, it seems a

little impractical. But there are a lot of things that you can do as an

individual, as a community, as a group of friends to protect

yourself. While Peppers break isn't exactly legal in Germany, to be

honest, keep it in your pocket -- pepper spray.

honest, keep it in your pocket -- online, keep it in your pocket, it

is a good thing to have. Get one of those whistles, the police

recommended I get what is called a Fox 40, the loudest you can get.

Police are trained to listen to those. Anything that has a loud

noise will deter people that attack you. The police said one of the

biggest issues with victims was that they freeze, dear in the headlights,

they get attacked, they don't know what to do and they don't react. As

long as women are aware that there is potential danger and they train

themselves to at least scream and scratch... If you are out with a

group of friends, make sure everybody gets home OK. If you are

in a group and you see something bad happening, make sure you react.

There are lots of cops in the city, a lot of police presence, so make

sure you approach them. It is better to cry wolf than let something

happen and not react at all. Mirle and Julia, thank you both for

joining us. Lots of you getting in touch on

lonelines. We'll have people in the studio talking about this, some you

might not expect to feel lonely. Alex says working in various studios

over the past ten plus years often on my own and often feeling lonely

I've had to figure out ways of coping with this challenging issue.

My personal solutions have been keeping the radio on, particularly

talk shows, regular exercise, set routines, speaking to family and

friends on the phone but the best solution is getting a sociable

part-time job working with people to balance the quiet time in the

studio. E-mail from Ian, sometimes lonelines can be terribly

debilitating. We can slip into it so easily and it can also be

self-inflicted. When I went through a time of lonelines, I had so many

pity-parties, as my friend once put it or "poor me" time. Text from

Isabel, lonelines is terrible, I lost my job after 26 years and got

MS, I was made redundant, I miss the company and colleagues.

Loads of you getting in touch on this, and we are reading your

comments, keep getting in touch and be part of that discussion with us

this morning. More on that later. As George Osborne warns

about the risks to the economy - there are more poor results

from the High Street. They come from Marks and Spencer -

and at the same time it's been announced that the troubled

retailer's boss is to retire. Marc Bolland's decision

to leave comes after a tough M and S, along with retailer Next,

which also had a poor performance, are blaming the unusually

mild winter weather. Ben Thompson's here: With me

is our correspondent Ben Thompson. How hard has it been? The frenzy

after the pre-Christmas trading, the reality sets in for the retailers

and we find out how they fared. Today it's the turn of M Their

sales were down. Another poor performance, when it comes to its

clothing business especially, that we have been watching closely. Food

tends to do well at M but it's always the clothing that tends to

struggle, so news this morning that Marc Bolland, the Chief Executive,

is to stand down. M keen to point out that the two aren't related.

They suggest it's been a disappointing Christmas but Marc

Bolland decided to leave in the summer, to be replaced by Steve

Rowe, the boss of General Merchandise, homewear and clothes,

he's been at M for 25 years so has a good idea of what is going on, but

people are saying perhaps they need an outsider with fresh ideas to turn

around the fortunes for M We often look at, as an indicator for

the high street. Clothes aren't doing quite so well but food is.

It's not just M not doing well, different companies are saying it's

down to the mild weather, it's been unusual? Always the same excuse, the

weather wasn't what the retailers expected but they have a point to a

certain extent. Of course for fashion it involves getting the

right stuff in the right stores at the right time. We heard from Next

who said they had a tough time, high street sales were down 0.5%, even

though online sales were up 2%. They said it was difficult because of the

unseasonably warm weather and you look at it from their point of view,

they are not selling big winter coats or savrs and hats and boots --

scarfs. In that respect, it's been a very difficult time for them.

Nonetheless, there are always some winners on the high street. We heard

from John Lewis, even though sales were down slightly, it said over the

three peaks of Christmas, before Christmas, Black Friday, Christmas

and New Year, their sales were up % so there are some winners but it's

always the likes of M and Next, the biggest, that we watch closely

and they say disappointing largely because of the weather.

Looking ahead, the broader economic picture, the Chancellor George

Osborne has been speaking this morning with a warning about what's

potentially to come over the course of the next year, he was upbeat when

he gave the Autumn Statement. What's happened? It's funny because we read

a lot into what the Governor of the Bank of England tells us and the

Chancellor and today he's talked about not taking our foot off the

pedal and we are led to believe the economy is starting to mend itself,

things are looking a little better and that there's probably a danger

that we feel blase about things being OK and we are not too worried

about what happens next. His point is that there are a lot of head

winds, a lot of Daningers to the world economy, oil prices have

fallen significantly because there's too much supply, stock markets in

China fell 7% overnight triggered an automatic shutdown of the Chinese

stock market, so there are worries about slowing global demand. America

seems to be doing OK, but China is slowing down, what effect will that

have on the rest of the world here in the UK? We expect economic growth

to come in at between 2 and 2.5% this year, it's not bad but at the

same time it's not great, so the warning from the Chancellor is

things are OK, getting better but we have to make sure we keep our foot

on the pedal, so for you and me, that means keeping working a bit

harder, spend a little bit more, try and save a bit more if you have got

it to prepare for that rain aye day, we shouldn't be too complacent about

the economy being on the mend and therefore we all think that it's

great, the warning is it's not as great as we might think.

Thanks, Ben. Coming up, the Labour

leader Jeremy Corbyn has finalised his front bench reshuffle

but with a spate of resignations and online spats between different

sides; we'll ask our political guru Norman Smith how the party

can move forward. Now, the daily journey to work does

not always go to plan. In a survey for the BBC, most said they cannot

rely on getting to work on time. What is being done to improve how we

get around. Graham Satchell's been looking at what the future of

commuting might hold. I'm about to immerse myself in a

virtual world. Actually, it's Milton Keynes complete with driverless

pods. You have got complete freedom to walk around the virtual world to

experience it from different perspectives. This might look

gimmicky, but the boffins are using virtual technology to improve thorny

problems like traffic jams. Press the traffic light and you could

change the sequence by 2%, here we go. Changing traffic

change the sequence by 2%, here we from your desk is clever, but for

some it misses the point. Jason Downes' commute to

less than a minute. Thanks ever so much for joining nice and early as

less than a minute. Thanks ever so we kick off 2016. From his converted

out building, he can contact everybody. It's training when you

are commuting so I use it the days I work from home to plan. The speed

and reliability of modern technology means working from home is now a

real option but it's not for everyone. In fact, less than 15% of

people work from home. Do you think the future of commuting

is no commuting? No. I think it would be reduced commuting. We still

need face-to-face meetings, we still need to interact people, but I think

it will reduce. Thank you, bye...

This precise motion simulator at Southampton university can recreate

any journey, cars, trains, planes boats. All right? Yes. If we are

going to carry on commuting, Professor Kchu is trying to make the

journey better -- Professor Qiu. We can develop the mathematical or

numerical models can develop the mathematical or

in the seat so that we can reduce the vibration transmitted through

transport systems catapult, Paul predicts the future of commuting

like this, staggered working times, fewer cars, monthly contracts with a

transport provider. You will use your

transport provider. some form to say where you want to

go from and to. Your service provider will give you options, a

driverless pod might pick you up and you will not pay or, all the payment

systems will be dealt with as part of a monthly contract. But we are

still talking about cars, trains, planes, but the way we use them will

be very different and the way we pay for them is going to be very

different. A hassle free journey to work?

That's the dream. We are going to be talking about

lonelines later in the programme. Often I would think, what do I have

to be lonely about? I live in London, I work with fantastic

people, there are just so many people here. It's difficult to admit

you're lonely to other people but I think one of the other things you

don't necessarily consider is it's really hard to admit it to yourself

and it does take a while to, I guess, kind of click and you think,

OK, I think I'm lonely. That is Kylie who will be with us in

the studio a little later to talk about lonelines. Loads getting in

touch on this. Theresa says, as soon as lonelines becomes a health issue,

you will get good hearted folk trying to force folk into not being

lonely. Elaine is 52, living with epilepsy, nobody will employ her,

friends have abandoned her, she lives in a town full of strangers

and she is drowning in depression and she is desperate to start a new

life. Isolation is part of living with epilepsy but I just can't deal

with it. Do keep on getting in touch. We are reading your comments

and we'll bring in as many into the conversation we'll have a little

later. Carol is here with the weather

update and I'm loving how we've coordinated our jutt fits today!

Thank goodness we didn't coordinate our shoes otherwise we'd have looked

like a couple of book ends. We have been talking about how cold it's

been in Eastern Europe in particular and also the Netherlands. Look at

these pictures, people ice skating down the streets. Do you fancy a wee

bash at that? I actually would, it looks quite cool. I like that

better. Like the penguins you get in this country. Yes. The Netherlands

have had snow and ice and these pictures are from the north, one of

the places is called Freezeland. Put song of your shows and it stops you

sliding. Doesn't look great but it works. Not that kind of cold is

going to come our way, but early next week, it's going to turn colder

for us. The cold air in the east of Europe is coming from a different

source. Ours will come from the Arctic, so from the north.

It will gradually come down through the course of next week. It will be

coldest in the northern half of the country where temperatures will be

three or four. It's further south, more likely to be closer to average,

which will come as a shock to the system. Do you like the winter? I

like all of them. The best of every season each time I think this is my

favourite. A very good way to be, although I'm not so keen on the rain

and that's what we have on the forecast today.

We have a beautiful picture to show you taken earlier on today from one

of the weather batchers of Wales where it was wet. We have a band of

rain that has been pushing steadily north-east wards and behind it we

have seen a lot of showers, courtesy of this low pressure and weather

front. Here it is here, continuing to edge north-east wards, becoming

ensconced across Scotland through the day. Also tightly packed

isobars, it will be a windy day, especially across the south-western

approaches, parts of the south-east too and across the north-east where

gusts here are at gales or severe gales.

A lot of surface water and spray on the roads. Be aware of that. We have

also got snow across the Grampians and Highlands. Some of the heavier

bursts will see that to lower levels so that is likely to affect the

higher routes in Scotland. By the end of the day, we could have two to

five centimetres. You can see the amber triangle, with the Met Office

having a weather warning for Aberdeen, Angus and Stirling. The

rain out of Northern Ireland replaced by sunshine and showers,

then slowly moving away from the north-east of England, replaced by

sunshine and showers. Further south, a lot of dry weather. A lot of

sunshine and fewer showers. A noticeable breeze and wind depending

on which half of the country you are in. Temperatures six or seven are

the maximums in the south-west. There is a risk of ice on untreated

surfaces. The next weather front will bring the rain, but also sleep

and snow on the hills of Northern Ireland, northern England, and

southern and central Scotland. A cold start with rain, seed and slow

across northern Ireland as well. There will be no heat wave in

prospect! Temperature wise it will be quite chilly, particularly in the

north. Highs in Glasgow of two, Aberdeen four. A bit milder in

Belfast, but still wrapping up in that. A high of ten as we sweep down

towards London. As we go through the weekend, the forecast remains

unsettled, low-pressure rattling across as with various weather

fronts, and we can see from the squeeze on the isobars that it will

be quite windy at times. In summary, for the weekend, further rain at

times, the risk of flooding and it will turn a bit colder.

Hello, it's Thursday, it's 10am, I'm Joanna Gosling in for Victoria.

Welcome to the programme if you've just joined us.

The Labour leader Jeremy Corbyn will finalise his front bench today

after shadow ministers announced their resignations.

But the dispute between the party's factions boils over online.

The house-buying scam that can con would-be home owners out of hundreds

This programme is told it's happening to people

Also ahead - why loneliness is being described as a new epidemic

It is difficult to admit you are lonely to other people, but one of

the keeping she don't consider is that it is really hard to admit it

to yourself. The Chancellor, George Osborne,

is warning that the economy is facing a "dangerous cocktail"

of new threats this year, In contrast to the upbeat tone

of his Autumn Statement six weeks ago, Mr Osborne will tell business

leaders that Britain risks going into decline if it

eases up on austerity. The chief executive of Marks

and Spencer, Marc Bolland, has insisted he's not stepping down

early due to disappointing sales. He announced his departure this

morning as the company reported that sales of general merchandise,

including clothes, fell by nearly 6% in the three months

to the end of December. The Labour leader Jeremy Corbyn has

made six new appointments to the front bench, including

Kate Hollern at Defence, Andy McDonald at Transport

and Fabian Hamilton in Foreign Mr Corbyn lost three of his team

yesterday when they resigned in protest at the handling

of the reshuffle. European stock markets have fallen

sharply on opening after China suspended trading for the second

time this week. An automatic shutdown took place after just half

an hour of trading, raising fears over the country's economic help.

Today marks one year since the attacks by Islamist gunmen

on the satirical French magazine, Charlie Hebdo.

12 people were killed, including a policeman outside.

Five more people were killed in co-ordinated attacks afterwards.

The US Presidential hopeful Donald Trump has warned

he will withdraw ?700 million of investment

in his golf courses in Scotland if he is banned

MPs are due to debate whether the Republican politician

and businessman should be refused entry.

Last month Mr Trump called for a ban on Muslims coming to America.

The biggest-ever UK lottery jackpot went unclaimed again last night.

Operator Camelot said it sold about 200 tickets a second

in the hour before sales closed, leading the website to crash.

The prize will now grow over again until Saturday, where it must be

shared if there are no outright winners.

Let's catch up with all the sport now and join Catherine Downes.

Next month's Fifa presidential election is the last chance

to save the organisation, according to one of the candidates

Prince Ali of Jordan says he is "tough enough" to lead

football's world governing body, telling our Sports Editor Dan Roan

that he can be trusted to bring about "real change".

I come from a background in my own country working in crisis

management, something that we need in an organisation like the phone

right now. I can guarantee that I am the right person for this job. And I

do, my track record is that I keep with my word and what I say.

Hopefully when I win this judge me by my actions, and that is why I

keep saying the president has to take responsibility for himself and

for the entire organisation. There'll be a further hearing

to resolve doctor Eva Carneiro's A private hearing yesterday failed

to resolve her complaint of constructive dismissal,

brought after the then-manager Jose Mourninho publicly

criticised her when she went onto the pitch to treat a player,

and she was then dropped Carneiro is pursuing

a separate personal legal Manager Roberto Martinez says a club

of Everton's scale should be reaching cup finals

on a regular basis - and they gave themselves a great

chance in the League Cup, with a 2-1 victory over

Manchester City in the first leg Romelu Lukaku scored the winner,

but he was injured in the process and may not make Saturday's

FA Cup match, against Some more sad news from the world

of cricket this morning - the death of a second young player

in the space of a few days. Former Warwickshire bowler Tom Allin

has died at the age of 28. His former club Warwickshire said

they were deeply saddened and described him as an incredibly

popular player during the six years The 22-year-old Sussex bowler

Matt Hobden died last weekend. Tennis, and British number three

Kyle Edmund has reached his first ATP quarter-final after beating

Spain's Daniel Munoz in three sets But women's number three Naomi Brody

is out of the Auckland Classic. She lost in the quarter-finals

to the fifth seed Sloane Stevens, Broady had knocked out the former

world number one Ana Ivanovic I will be back at 10:30am with

Paralympic and Will Bailey who will be here to tell us why he is excited

about 2016, which is of course a Paralympic year.

Hello, thank you for joining us this morning.

Welcome to the programme if you've just joined us -

we're on BBC Two and the BBC News Channel until 11am this morning.

We are talking about loneliness, and concerns it is becoming a much

bigger issue than previously thought. There has been a huge

reaction from you to this this morning. A tweet saying, I have

experienced loneliness for many years, total isolation dustup as a

care lever, had no family, their friends, didn't anyone.

Another tweet, how do you find others who feel the same? People are

so scared to speak up and connect, it is difficult to get contact in

modern society. Keep on sending us your thoughts on

this and everything else we are talking about today. Texts will be

charged at the standard network rate.

And of course you can watch the programme online wherever

you are via the BBC News app or our website, bbc.co.uk/victoria.

And you can also subscribe to all our features on the news app,

by going to 'add topics' and searching 'Victoria Derbyshire'.

The Chancellor is warning that the UK economy is facing

a "dangerous cocktail" of new threats including

There's also speculation that he may talk about a future rise

Mr Osborne will tell business leaders in Cardiff that 2016

is shaping up to be one of the toughest years

It sounds quite dramatic, tell us more about what he will say?

It is a funny old world, normally chancellors tend to talk about how

the economy is doing well, everything is on the up. A reverse

from George Osborne today, he is sounding fairly bleak and ominous,

warning about the challenges that are now facing the British economy.

The reason for that is he thinks we are all getting complacent about the

economy, we think things are ticking along very nicely so maybe we can

ease off on posterity. He has given some extracts of a speech he will be

making later. Let me give you some of the language, it is almost like a

rhetorical shock therapy to the British electorate. He says, anyone

who thinks it is Mission accomplished is making a grave

mistake, 2016 is the year we get down to work, all will be the year

we look back at as the beginning of the decline.

The beginning of the decline, for heaven 's sake! We got a taste of

his mood this morning on the today programme. This is what he said.

I'd say, at the start of this year, our economy faces a dangerous

cocktail of threats from abroad, from falling stock markets in places

like China, to instability in the Middle East.

Our antidote is to go on putting our own house in order

here in Britain, so far from 'mission accomplished'

on the economy, 2016 is the year of 'mission critical'.

George Osborne is expecting us to go through ten years. Ricky, which we

have not done before. When Mrs Thatcher was in power, it was three

or four years. He is bracing for the fact that we have a lot of pain to

come and we needn't think we are at the end of the road, he is flagging

up the fact there are problems in China, oil prices are falling,

commodity prices are falling, there is instability in the Middle East.

In other words, there are some hard years still ahead.

Bring us up to date with what is going on with the Labour Party? That

reshuffle still isn't over, we thought it was, Jeremy Corbyn

thought it was, but then there were president of and there is a lot of

acrimony. Breaking news, I think, I think, the

label reshuffle has now limped across the finish line, I think it

is over! We had a number of new names announced this morning, new

appointment to have moved into some of the posts that have been vacated.

What is striking about these new faces, if you look at them, they

look young, fresh faced, not all of them, some of them, because many are

new MPs who only came into Parliament six months ago and now

they have already been shot up into the front which is an

extraordinarily rapid rise, which probably tells us how Mr Corbyn is

maybe struggling a little bit to find people who are his supporters

and get them into front bench job. The movements may have ended, the

recriminations have not. The rows and wrangling are continuing, an

extraordinary Twitter storm seems to have erupted amongst Labour poker,

prompted in large part by Diane Abbott, one of Mr Corbyn's key

allies. Last night she appeared on Newsnight and basically got stuck

into some of those shadow ministers who have decided to abandon ship and

resign. She said, I don't want to say anything nasty about anyone, but

then made this accusation about those who have resigned. Have a

listen. I'm not attacking people as people.

I would say this, though, of the people that have resigned and so on.

Kevin Jones, I consider a friend, I don't agree with him on everything

but here's a great guy, and I think he is a big loss. When you look at

some of the other people, Jonathan Reynolds, Mr Dugger, if you look at

some of these others, what do they have in common? They are all former

special advisers. What you are seeing is people who came up under a

certain system where you did politics at university, became a

special adviser, became an MP, became a minister, who are

rightfully upset because Jeremy has brought a lot of new energy and

people into politics. Well, some of those former Labour

ministers who Diane Abbott has just slagged off when not at all amused

at the suggestion that they were somehow professional politicians,

former special advisers who expected an important job, and they took to

Twitter to get back at Diane Abbott. Let me show you this, this is the

Twitter account of Jonathan Randolph, former shadow transport

minister who abandon ship. If I scrolled down here, let's see if I

can find this, he got straight on to Twitter and said, is that what she

said? Referring to Diane Abbott. At least Google us before slagging us

up. In a subsequent tweet, he said, for the record, Diane Abbott, I was

a trainee solicitor when elected, having gone to law school as a

mature student and single parent. And above that, Stephen Dowty, a

European minister who resigned live on television, got stuck in with a

tweet, and says, nonsense, Diane Abbott, I worked for seven years for

World Vision and Oxfam, 18 months at DFI D you think she would know that.

We learned this morning that some of the Corbyn MP 's are complaining

they had been blocked on Twitter are some of the mainstream Labour folks.

Tom Blenkinsop, who I think supported Liz Kendall in the

leadership contest, has blocked a load of Corbyn MP is from following

him on Twitter, including Richard Bergen, who was asked about it this

morning on the radio and this is what he had to say. I don't think

Labour voters are going to be losing sleep over rows between junior

ministers all basic and is, a resignation live on the BBC politics

show. People don't come to my constituency surgeries, or any

constituency surgeries, about that. They are talking about the lack of

council houses, the Government's daily on flooding, the effect of the

Government's cuts on people's day-to-day lives and public

services. So where are we after what has been

probably one of the longest lasting and acrimonious reshuffles I can

remember in recent years? It has shone a light into just how divided

the Labour Party in Parliament appears to be, with some people

signed up to the Corbyn Project, others in despair over the Corbyn

Project, and it is very hard to see how the two sides can hold together.

Excuse the alarm! I think I should go now!

Thank you, Norman! Let's cross live to Paris now

where the French President, Francois Hollande is due to speak;

he will be delivering his annual address to security forces

which is coinciding with the first anniversary of the

Charlie Hebdo attacks. Once again, we come together here in

this court and this is marked by history. 70 years ago, the battle to

liberate our capital started. Here, we met together a year ago to pay

homage to the policemen killed by terrorists. The terrorists committed

the cowardice and coward attacks against Charlie Hebdo and today, two

months after the acts of war in Paris that left 130 people killed.

Also a number of victims. Every time, it's the policemen who have

faced to neutralise the assassins, to protect our citizens and help the

security victims to help security. The ceremony is under the banner of

gratitude and memories. The first instance we address, the policemen

killed on the 8th and 7th January. READS OUT NAMES OF THOSE

KILLED IN HEDBO ATTACKS We will never forget these people.

They died so that we can live freely. But today, I would like to

express the gratitude of the nations to those who have taken the risk in

January to face up to the enemies who are determined to kill and

Police, Security Forces and intervention forces helped

neutralise the people who held hostages. I am thinking of the

policemen who put themselves in the face of danger at the Bataclan armed

with weapons before being joined by specialist forces who have managed

to liberate the 12 hostages and neutralise and kill the last two

terrorists who kept them hostages. neutralise and kill the last two

would like to mention the firefighters, civil protection who,

that night, saved lives and brought help to those who've been

traumatised and supported those who needed support. Beyond this act of

bravery and during this tragic circumstance, I would like to

mention the military officers who, every single day, every single

night, carry out their rounds in our streets to protect our public

buildings, religious buildings, schools, airports which is admirable

work, passionate, indispensable. It's like the work of the

specialists of the intelligence people who thwart possible attacks,

like the judiciary police who cautioned the suspects under the

supervision of the judge and, without forgetting the customs

officers who are fighting against trafficking. Ladies and gentlemen, I

would like to express my confidence and trust and that of the French,

you protect them, I wanted to express to you throughout the

cortege on the 11th June in Paris and throughout the cities of France,

you have been the recipient of marks of sympathy of the highest mark.

Ladies and gentlemen, to protect French citizens, you also protect

their way of living life, their liberty. It's this way of life that

the terrorists wanted to attack because it's joy, the sharing of our

culture, for them, that inspires hatred. For centuries. I have the

responsibility here to say that the mission was demanding. Terrorism's

not finished. It's not finished to pose a threat against us. Outside

France, we are responding with our army against ISIS and here again we

have achieved results and this terrorist group is declining. Inside

France, we are chasing the terrorists, we are dismantling cells

and we are closing financial loopholes and organisations that

help them to face up to this challenge. We should have the

necessary means and I am planning to review the military statutes and ask

the government to provide you with the necessary sources and means.

Every year, between 500 and 2000 jobs have been created, but the

gravity of the challenge calls us to even raise our commitments. I have

told the Parliament the start of a further 5,000 jobs between now and

2017 and in total, more than 9,000 would have been created in the

police sectors. Whereas those jobs have been closed down, but we have a

long way to go. We have not only demanded but we actually stressed

that our country needed more magistrate posts, penitentiary and

customs officers jobs to be created and more effort and unprecedented

efforts, to consolidate to work of the Interior Ministry. This plan

will allow you to consolidate and strengthen your force, you have more

vehicles to refurbish more buildings like police stations and also to

modernise your telecommunications means. I know also the effort made

by the municipal and communal authorities...

STUDIO: President Hollande in Paris on the one-year anniversary of the

Charlie Hebdo attacks. Some crucial GCSE and A-level exams

could be rescheduled over the next three years to avoid clashing

with the height of the Muslim month of Ramadan, when some

pupils may be fasting. Examination boards have held talks

with Muslim groups and aim to avoid holding exams in the most popular

subjects during the period. This year Ramadan is due

to start in early June. Brian Lightman is the General

Secretary of the Association Thank you for joining us. What is

being looked at? Morning. The Ramadan period falls

during the period of examinations and, actually, it's going to get, at

the moment, it's going to be in June this year but it's going to get

earlier over the next few years, so it's going to clash quite heavily

with the exam period. Obviously, we want to make sure that we do

everything to help those pupils to enable them to not be disrupted in

their examinations. So I think the awarding bodies and the joint

council have been liaising with faith groups and so on and have

looked at the programme. They can't actually move the examinations and

some are reporting that they'd actually been moved, they'll have to

be during that period because of their connection with university

entry and so on. But what they are trying to do is put the large entry

exams I think earlier in the period and so on. What we are doing as a

professional association representing head teachers is, we

are liaising with the leaders of the faith and community groups to

produce some guidance which is helpful to our members so that we

can ensure that we do the very best for the young people. It's not our

job to tell people how to manage the fasting and we wouldn't wish those

individual decisions, but we'd obviously want to do everything we

can to help with that process. So will it change anything

dramatically from what has gone before? No, I don't think it will,

not at all. The programme for this year's already been finalised and

the large entry exams tend to be at the end of the cycle anyway and

quite often they are in the mornings because it's better to have those

large exams in the mornings for all sorts of reasons. So we don't see

any problems with the timetable for this year, but it's just a question

of making sure everybody is aware that some of those examinations are

going to fall within the Ramadan period and we do have a large number

of Muslim pupils in the country and want to obviously make sure we meet

their needs, just as we do the other students. What if anyone is

concerned that shifting things around might have an impact in like

an unforeseen consequence maybe in terms of there being less of a

run-up to certain exams than they might have expected? No, as I said,

the exam programme for this year's already finalised and they're

prepared well in advance, so people know the period when the exams are

going to be, so I don't think there are going to be any surprises there.

Obviously, teachers just want to be concerned that all pupils have the

best possible opportunity that they can to do as well as they can in

their exams? Absolutely. We know how important the exams are and so do

the students and we want to make sure that everything is in place to

enable that whole process to run as smoothly as possible. The regulatory

and joint Council for Qualifications which oversees and plans the

timetables is very aware of the issues, I'm sure.

Brian Lightman, thank you very much. Still to come before 11,

why loneliness is being described as a new epidemic affecting

people of all ages. The Chancellor, George Osborne,

is warning that the British economy faces a "cocktail" of serious

threats from across the globe. In a speech later he will say

factors including tension in the Middle East and slowing

growth in China could all affect The chief executive of Marks

Spencer, Marc Bolland, insists that disappointing

results are not He announced his

departure this morning. The company reported much worse

sales than expected in the run-up The Labour leader Jeremy Corbyn has

made six new appointments Newly-elected MP Kate

Hollern goes to Defence, Andy McDonald takes Transport,

and Fabian Hamilton goes to Foreign Mr Corbyn lost three of his team

yesterday when they resigned in protest at the handling

of the reshuffle. European stock markets have

fallen sharply on opening, after China suspended trading

for the second time this week. An automatic shutdown took place

after just half an hour of trading - raising fears about

the country's economic health. Ceremonies are being held in France

today to mark a year since the attack on the satirical magazine

Charlie Hebdo by Islamist gunmen. 12 people were killed,

including a policeman. In the following days,

five more people were killed The US Presidential hopeful

Donald Trump has warned he will withdraw ?700 million

of investment in his golf courses in Scotland if he is

banned from the UK. MPs are due to debate

whether the Republican politician and businessman should

be refused entry. The campaign edition in band says

the threat could be considered blackmail -- the campaign

petitioning for the ban. The National Lottery operator,

Camelot, says nobody won the record jackpot of ?50.4 million

in last night's draw. The prize will now roll

over again to Saturday, when it must be shared

if there are no outright winners. Let's catch up with all the sport

now and join Catherine Downes, and eight months before

the Paralympics begin in Rio she has and eight months before

years since the London games? It's a new year -

and more importantly, if the team for this year's games

in Rio can beat that tally. One man who will be trying to add

his gold to that tally is Will Bailey, a Paralympic table tennis

player. How do you feel going into a Paralympic year, 2016 is a big one?

I can't wait, it is what I have been thinking about since 2012. I won the

world is in between but am focused on doing well in Rio. The reason you

have come to talk to us today is because it marks the start of the

campaign to drum up support for the team. How important was it that the

country got behind you in London? team. How important was it that the

For me, personally, I am biased but I think we have the best support in

the world in this country behind the Paralympics team.

the world in this country behind the special, the public took as to the

heart, and we need that support for Rio. Do you feel there has

been a dip in interest around Paralympic and disability sport? I

know around London there was a real high, but David Weir said last year

at the World Championships that he was disappointed in attendance

figures where they were being held. Have you noticed a bit of a drop? I

think after London 2012 it dropped a little bit, it was absolutely

massive in London 2012, the sport was fantastic. To be honest I have

focused on training and doing as well as I can. I think the British

public will get behind us and really supporters in Rio, I'm confident

that. One of the other this big push is push is for is to raise funds for

Paralympics GB as well. We don't hear about other athletes,

able-bodied athletes, Olympic athletes, coming out to Ascot for

funding. Do you think you get enough support in that regard from the

authorities or do you think you could do with more? We do get good

support, we get lottery funding and it is fantastic. This is just a

little bit extra to supercharge our performance and to set us up to have

a great training camp before Rio and the games, and also beyond Rio for

2020, things like that. We can always do with more support,

especially the Paralympic team. Fingers crossed the British public

out behind you. You have already got the bronze, the Silver, is this your

year to get the gold? I hope so! I will do everything I can. All I can

promise is to work as hard as I can, hard about anyone else in the world.

I wanted so much. How is the preparation going? I feel like I'm

playing well, I'm training six hours a day, looking forward to the

challenge. We looking forward to it as well, thank you so much for

coming in to talk to us. And Olympic and Paralympic year, it

will be a big one. Cannot believe it is four years

since the last lot, it has gone so quickly.

What an amazing year that was, fingers crossed Rio will be just as

good if not better. At least 50 house-buyers every year

lose their cash for a deposit through dodgy transactions. They

think they are sending it to their solicitor but it is fraudulently

transferred elsewhere. They transfer tens of thousands of pounds,

sometimes hundreds of thousands of pounds, to what they think is a

lawyer's bank account, only to find they have been conned with a

fraudulent e-mail redirecting their money elsewhere. Once it is gone,

they cannot get it back. The Solicitors Regulation Authority

- the regulatory body for solicitors in England and Wales -

has told us that they get at least one case a week of this

nature reported to them. So just how much money is being lost

and how many people officially Well, the City of London police say

that between 1st January 2013 to the 31st October 2015,

there were only 91 crime reports of this nature made to Action Fraud

- that's the UK's national fraud The combined losses of those is

?10.2 million. And the average lost

for each report is ?112,310. Well, last summer we spoke

to a 59-year-old woman who said she lost her life savings

after being tricked Vivian Gabb was in the process

of purchasing a buy-to-let property to give her some future security,

as she doesn't have a pension, but her ?46,500 deposit

was transferred to a fake account. She was sent an email

giving her false bank details into which to transfer the money -

and the cash vanished. I'm going to be 60

years old next year. And I thought with my life savings

I could get a buy-to-let property I just kept thinking, this is banks,

there's going to be some sort of net There's this awful feeling that

I don't have any rights. ..nothing anybody can

do, that I can do. Just trying to get on with my work

and hold it together. It's been really,

really tough. Let's talk now to Steve Proffitt,

deputy head of Action Fraud. In Birmingham we have Paul Philip,

the chief executive of the Solicitors

Regulation Authority. And in Margate,

solicitor Peter Rodd. Paul, how often are cases like this

happening? Actually, far too often we are seeing these types of things

on the rise, month after month. In December last year we reported ten

cases of such scams on our website, on our Twitter feed and Facebook

accounts, so it is unfortunately becoming quite common. Is it

relatively new and getting more common? Relatively new, most

definitely getting more common, and we are picking up on those. We post

them on our website so that the solicitors know what is happening

and how to guard against it. Let's bring in a solicitor, Peter Rodd.

How where are you of this e-mail? -- of this problem? We are aware of it

and conscious of the problem. The difficulty we face is as we create

defences for one particular type of scam, the perpetrators develop

another. What we need to do is to educate clients and ourselves as

consumers of the nature of the risk that exists and how people can

protect themselves. What do you do to protect your clients? We avoid

giving information of bank details to our clients by e-mail. We also

stress the clients that solicitors will very rarely change their bank

account. Inevitably solicitors will change their account from time to

time but it is a very rare occurrence, so any suggestion that

we have suddenly changed our account, particularly if it goes to

a client by e-mail, should be regarded with the greatest of

suspicion and the client should contact us directly. The problem,

however, is often that clients themselves don't have adequate

protection on their own computers or laptops, and if grumbles are able to

download malware, that will very often enabled the criminal to access

that client's e-mail and send bogus e-mails to them. Paul, Peter is

saying there that his company will rarely send out bank details by

e-mail to clients to protect them, and it echoes what Vivian has said

to us, who we were hearing from earlier, she cannot be with us today

but wanted us to read out a statement. She says, solicitors

should not be sending client completion statements by e-mail,

they should warn there are fraudsters around, payment details

should come by post and telephone, not by e-mail. Solicitors should

encourage clients to verify details by calling the solicitors before

making a payment. It sounds like sensible precautions, why aren't all

solicitors doing that? Many solicitors do do that type of thing

that you have just heard. However, this is one of the largest purchases

you will make in your life, buying a house. You are transferring large

amounts of money to and broke and cyber crime is everywhere, so we

will advise solicitors that it is best practice to make sure that

their staff are trained to understand the risk, that they

advise clients in the way you have just described. That they don't send

unencrypted e-mails or ask for personal data by e-mail, and if you

are a client and get an unsolicited e-mail or something that looks odd,

because if you get something that looks odd it probably is odd, you

pick up the phone and verify with a solicitor that the e-mail has come

from them, all you say you are not prepared to give that information by

e-mail and would rather do it by phone or in person. Steve, how easy

is it to spot what is going on if something is going wrong? It is

very, very difficult. A whole process, because it is focused

around a completion date and the pressure of completing around there,

basically the fraudsters have access to all the information because, as

we have heard, through malware or hacking into e-mail accounts, they

know precisely when the transaction is going to take place and how much

it is for. If you receive an e-mail saying, I'm really sorry that the

amount of money you need to transfer today, we have changed our bank

account, please change it. All the details are factually correct, you

are under pressure to get the house, so you don't take the due diligence

that you should do. Likewise, as we have heard, the fraudsters can

change their M O, so if you tighten up the Internet aspect they will

phone you, they will phone you directly. Our advice is always to

be, and it goes to any single transaction that you get that says

your bank account has changed, don't take it on face value. Always verify

with the people that you are going to send it to that it has in fact

been the case. Additionally, I would recommend that you talk to and

insist that you talk to the solicitor you have been dealing with

because you will recognise that voice, so that you are not talking

to the fraudsters. The issue for the people who have been losing money is

that they are losing their hard earned cash. Is there anyway to get

it back? We would also recommend, immediately you are aware of the

problem, the first thing you must do is contact your bank. You must

contact your bank because that gives them an opportunity to try and

recover those funds. The transaction. The longer you leave

it, the less chance there is that the money will be retrievable --

recover those funds or stop the transaction. The solicitor said they

are not liable, the banks say they are not liable, and that is though

-- that is why the individuals that transferred the money, even though

they had no idea, are losing the money. Should there be an indemnity

insurance if this is a new issue? These are tragic cases, no doubt

about it. If it is a solicitor's fault, if there is systems have been

hacked, if they have failed to protect client information or money,

then we mandate that they have insurance for these purposes that

would cover, in most cases, the client. Failing that, they can come

to the Solicitors Regulation Authority and we can compensate them

for the loss. Thank you very much, all of you, for joining us.

New research suggests being lonely and isolated is twice as bad for

your help as obesity and that the problem is so widespread it is seen

as a major public health issue. But it is not just older people at risk.

According to the Campaign to End Loneliness, more than a million

people in the UK are affected and it is as big a problem for the young

and middle-aged as their grandparents. It is the subject of a

programme on BBC One tonight. Often I would think, what do I have

to be lonely about, I live in London, there are so many people

here. It is hard to admit you are the only to other people but one of

the other key things you don't really consider is that it is hard

to admit it to yourself, and it does take a while to click in your head,

OK, I think I'm lonely. With me now is the film-maker, Sue

Bourne, alongside Richard Smith, Kylie Taylor and Emily Jones, who

all feature in the night's programme. Thank you for coming in

and talking to us. Kylie, we just saw you there, people

might be surprised to see someone like you talking about loneliness? I

think the dangerous thing about loneliness is that it is

indiscriminate and affects people of all ages, gender, ethnicity, but I

agree, as I said, I feel... I have a busy job, her busy life, but still

feel lonely. Why? It is down to two things, I'm not from here, I'm from

New Zealand, I'm away from family And Childcare Trust, but also the

emotional isolation. I recently separated from my husband, my

partner of 11 years, and anyone who has gone through a break-up will

know that is very difficult, and at times you feel you are the only one

suffering, the only one going through what you are going through,

but of course that isn't true, Do you find it hard to talk to

people when you say you feel like people haven't gone through it don't

understand and people kind of say things that inadvertently make you

feel worse? Definitely. I would say the people that do understand and

who're just there to listen, it's definitely hard to admit to

yourself, it took me quite a long time to realise that how I was

feeling was lonelines. On the other hand, there are people who're like,

what have you got to be lonely about, be positive, life is great.

Richard, your wife died in 2011 after 40 years of marriage which

inevitably is going to be devastating to deal with. How have

you been left feeling? Well, yes, that isn't when the lonelines

started, strangely. It's bereavement and lonelines are connected, of

course they are, but I've come to the conclusion that they are two

different items and I was helped with the bereavement because she

organised a replacement lady friend, if you like, not that she knew

anything about it until afterwards. She was worried and you wanted

companionship? Yes, it worked very well, we are good friends but don't

live together. I found out what lonelines was. My late wife said I

wouldn't cope with it and she was quite right. It was a shock.

Suddenly sitting at home thinking, I'm not enjoying this and I've never

been depressed seriously, but I do know what the symptoms are because

of things I've done in my life and I could feel the symptoms rolling in

and a good kick up the back side, move on, you know, this is not on.

But here you are a year later, doesn't matter what you do, there

are times you sit at home and might be watching you on TV for instance

and all of a sudden you want to say something and there's nobody there

and it's sort of, your shoulders go down. I'm a very positive individual

but find this very difficult to cope with, I don't deny it. When are the

worst times? Going to bed. That sounds, you know, put what

contagions you like on that, but going to bed is the worst thing --

connotation. I got a come-uppance at Christmas, the first time I'd woken

up alone not surrounded by somebody else and Christmas presents an

things of that nature and I really struggled with that. I will not make

that mistake again. If I find another partner that's fine, but if

I don't, I'll look at Christmas in a completely different light. You are

nodding, you know what I mean. Christmas is hard. It's difficult to

explain. A colleague wants to have lunch with me and I said, sorry I

can't do it until next week partly because of this and something else

and he said, you don't sound lonely to me. How would you describe it to

someone who is saying that and the sort of people who say to Kylie and

many others, you know, cheer up and you don't seem like you should be

lonely? How do you explain it? It's a black hole in your soul. You just

find it very difficult to grasp, it's like an eel, it's a feeling

deep inside. It's something, you know, a little catch phrase that I

came up with, I got loads of people to do things with, I've got nobody

to do nothing with and it's that nothing period that you want, that's

when you really miss people. Silly things, commenting on a television

programme or the fire's gone out or, oh look, lightning bolt, you know,

you've got nobody to share it with. We are naturally, as humans, so the

anthropologists say anyway, work in pairs, in couples. Sex isn't

particularly relevant to that, it doesn't have to be male or female

and without that, we don't survive. I've been reading for the last year

to try and understand better why that might be so.

People identify it, the books identify but they don't identify why

so I still struggle with that. Answering your question is

difficult. I don't know why, it's just in here.

Emily, Richard is saying about not having people to do nothing with.

You've got young kids haven't you and you're married but still feel

its. Before you talk to us, let us have a look at you from the

programme as well. And isolated. 7% say they always... Any big

supermarket you look down the aisles and there'll be lonely mums just

like myself pushing buggies. They're there. We are all there. We all do

it. I stopped doing a big weekly shop so

that I had an excuse to pop to the shops. Even talking to the cashier,

I won't go to the self-service things, just to get conversation

from the cashier. Would you like a bag? How old is the little' un...

Emily, it's heartbreaking to hear you say that you go to the

supermarket because you want that contact from someone just at the

checkout. Tell us how you feel? It's during the day, you know, husband's

gone to work, older children are at school, when babies are so young,

you should feel absolute elation that you have this bundle of joy,

but when you've been surrounded by so many people, even in the first

two weeks of the baby's life, it's all of a sudden everybody goes and

you're at home changing nappies, feeding, but no conversation.

There's that thing, you can't have a full blown conversation with baby,

you can talk to baby but baby doesn't answer back, you know, and

you miss conversation. Is it easy to pick up the phone and tell someone

you're feeling like that? No, not at all. No. It took me a while to

realise what was happening. I was depressed, I had postnatal

depression. Even admitting to that was hard. I knew the signs. Once I

admitted it, other stems came open and I was able to say, you know,

during the day I'm feeling so alone by myself. I shout out to the

friends that are there, we get out, we go out and do stuff, but it's

having the balls to get up and say, this is me, help. Sue, the old

perception of lonelines is that it is the elderly who suffer. You've

done this programme and you've clearly tapped into something which

is that there are so many people out there that you would not expect to

feel lonely. What have you learnt? I wanted to make the film because I

saw the headlines coming, it's the age of lonelines, a silent epidemic,

one in four live alone, it affects all ages, the stat I found

fascinating is that younger people are finding themselves lonely almost

to the same degree as their grandparents' generation so it's

kind of everywhere in the ether. Mental health issues are at the

forefront as well. I make films about people and I give them a

voice. I had a long list of all the people I wanted in the film from the

student, the 19-year-old student right through all the different ages

to the 100-year-old Olive. We spent months, talked to over 500

people to narrow it down to to 14 people who were brave enough to go

in front of the camera and talk about their lonelines.

in front of the camera and talk wonderful about the film is the

response we are having because there's something in it for

everyone, you know. I listen to Emily and I remember being at home

with my daughter. I found it so lonely. I think lots of us have

worked and we've had that constant companionship and then we are on our

own with the baby and you feel so guilty admitting that you are lonely

because you are meant to have the bundle of joy. Divorcees, young

people who move from home and they're ambitious and go for work

and they're in the City. I remember coming from Scotland wandering about

Kent High Street on a Saturday afternoon with tears streaming down

my face thinking, what have I done? ! I've got no mates any more, I'm

like a bit of driftwood. I think if this is an epidemic that's

happening, we have to bring it out of the closet and they're brave

people to talk about it in public and the more people talk about it,

the more we can address it. I'm very excited about this because society

is changing. I make films about how society is changing and I think this

is a major change in the sense that I think we are disconnected and the

traditional forms of connection have gone, are going, and we need to make

new ones. Honestly, it's really wet to say this, but tiny acts

kindness can transform people's kindness can transform people's

lives. Emily put a wee poster up in the supermarket saying, anyone fancy

a buggy walk. the supermarket saying, anyone fancy

coming over the hill! You know, Kylie was lonely, it wasn't just

about the break-up of her marriage and we must stress that, it isn't.

Kylie sensed that lonelines and and we must stress that, it isn't.

because of that, she volunteered to go and help with tea parties for

lonely old people. You know, it's brilliant. Human connection isn't

it. They are all connections of some description. Richard is brave. Not

many men will go in front of other people saying I have material

things, family and friends, but I am lonely and it's the something to do

nothing with or someone to do lonely and it's the something to do

nothing with is the key phrase, sitting watching telly and chatting.

You don't have to be alone to be lonely. That is so true. Some

friends organised a dinner party Christmas Eve which was absolutely

fabulous, you know, but it didn't alter anything. I was lonely because

it was three couples and me and what that actually does is to, I'm sorry,

but that emphasises the fact you are on your own, you are lonely and you

can't change that, it's this interrelationship with somebody

that's close to you, your soul mate. Company is good, I have stacks of

company, I'm rarely alone but it's that one unit. That special person.

Yes. I really can't explain it any better than that, it's just having

that soul mate and if you've got a soul mate, you don't have the

problem. I want to read out comments from people watching you all because

what you are saying is chiming with so many people. Richard says I'm

lonely now and fully understand the things you Richard are saying,

relate completely. Simon tweeted to say it can be like cancer and can

slowly destroy you from within and nobody can see it. Someone else

tweeted to say one thing you learn from being lonely is nobody cares,

that is why people bury themselves into work. The age of lonelines is a

sad one, we should spend more time out there and less time in there. I

see where Kylie is coming from, I am in a good place but knew something

was missing. When you thought to yourself I am lonely, that is what

it is, did that help shift things for you? Well, it did and it didn't.

Took a long time to admit it because you think, what is going on here

because that is one of the biggest issues. You feel like you have to

right to feel like that. You felt you should be happy because you have

a baby. You think you should be feeling this and that but we don't

so you put pressure on yourselves. When I realised how I was feeling, I

thought OK, there was relief. I still feel lonely, Christmas and New

Year is a really hard time and even though I have face time with New

Zealand, you know, on New Year's Eve, it was just incredibly low. We

have to tend conversation here I'm afraid. Thank you all very much for

coming in. Sue, the programme is BBC One tonight the Age of Lonelines.

Thank you so much for your comments and

Join Chris Packham for the World's Sneakiest Animals.

There ain't nothing to talk about, do you hear me?