22/01/2016 Victoria Derbyshire

Stock markets in London rose yesterday, after a week

in which billions of pounds were wiped off the value of shares

Why are the financial markets so worried

One in six rented homes in England is failing to meet basic standards.

Now the Government promises more money to tackle rogue landlords.

Also ahead: Europe's migration crisis is putting the European Union

at grave risk - that's the warning from the Prime Minister of France,

Speaking to the BBC at the World Economic Forum

in Davos, Mr Valls said Europe could not take in all the migrants

and refugees who wanted to settle in Europe.

We'll bring you more detail on that story a little later.

As ever, we're really keen to hear from you throughout the programme.

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.

It's been a rollercoaster of a week on the financial markets -

and that rollercoaster has mostly been heading downhill.

The FTSE 100 is the market which tracks the value of Britain's

It closed up 1.7% yesterday but there was a big drop

The FTSE 100 has lost 20% of its value since its record

That's a loss of around ?396 billion, which,

if you divided that by the population of the UK,

is equivalent to a loss of ?6,000 per person.

The way the markets perform is a real indication of how

confident people are feeling with the economy.

And it seems those markets have got the jitters.

But is it all doom and gloom and how does it affect you?

It has been hard to miss the gloomy headlines all week.

To some, it feels like the whole world economy is going to hell

The FTSE 100, the value of our biggest companies,

In banker speak that means we are in a bear market.

The problem with the markets right now is there is a lot

If we continue to get these market jolts, it will begin

It has been the economic success story of the decade,

building so fast that it has used more cement in three years

than the US has in the whole century.

But that growth is now slowing down and it means less demand for British

exporters and more worries about the amount British banks have

This is where it gets a bit more complicated.

Other data seems to show the British economy is doing quite nicely

Unemployment is now at its lowest level in a decade.

The unemployment rate is now lower than it was at the start

The latest figures show unemployment falling back at 99,000.

Recent economic growth figures out of America have also been strong.

Those jitters about the world economy are one reason why that has

been falling to next to nothing, making the price of almost

everything from holiday flights to electronics cheaper.

If we knew, we clearly wouldn't be working for the BBC,

but already we are seeing the effects.

Just this week the Governor of the Bank of England said this:

That is bad news for savers, but good for borrowers

Look at what is happening to the British steel industry.

Thousands of jobs have been lost because Chinese producers have been

selling at cut-price rates and we can't compete.

As usual, no one really knows the answer.

Some think what is happening now is just a bump and those markets

The most pessimistic think it is a sign the world is heading

Later this morning we'll get the public borrowing figures

from the Government which will give us a sense about how the country's

books are being balanced and, of course, those figures are likely

to have an impact on the stock markets.

Our business correspondent Aarron Heselhurst is with me.

It's been a traumatic week for the markets.

It's exhausting, I want to go home! They're up, down, all over the

place. The markets, I think it's a mugs game to predict at the moment

where the markets are going to go because there is a lot of panic and

then a lot of cheer. Some will say the markets towards the end of last

year were overpriced, too much money in them, that rose the price of

those stocks. So they were seeing corrections here and there. But what

the markets are trying to do, I think, and it's something they've

got to do, is learn how to cope with a slowing China, and oil prices at

$30 a barrel. They were hammered earlier in the week and yesterday we

saw, here is an example, the big boss of the European Central Bank

came out and said, well, you know, there was a hint that there could be

more stimulus to come in Europe, basically printing - pumping in more

cheap money into the system. That's what the markets love. The European

Central Bank said possibly by March we will look at this again, the

markets went up. One of the reasons they go up on that sort of thing,

this cheap money which should be going in to rebuild the economy has

found its way into the markets, overflating those prices. That's

where the markets are at the moment. When they go up and down in the way

they've been going, it's huge money we are talking about, isn't it? How

much boils down to sentiment and how much is an accurate reflection of

the fundaments? If it's reflecting what's happening? That's tricky,

because we have had Davos this week, in Switzerland, that's the yearly

gathering of the biggest power brokers in the world and financial

institutions, they all get together and we have been interviewing some

of the biggest names there. They're all mixed. I don't know if they

knows what's coming or happening. Some are positive, some are

pessimistic. I want to highlight the Baltic dry index, you have heard of

that, it's probably the most important index nobody has ever

heard of. It tracks shipping prices. How much does it cost to ship iron

ore or wheat or oil, it's important because that greases the wheels of

the global economy. It tracks that. This is why it's important to us. If

that index crashes, the prices drop, you can bet your bottom dollar

typically the global economy crashes. We saw it, black Monday,

1987, 200 and before the financial crash in 2008. If those ships are

shipping less around the world, it means consumers are cutting back, it

means businesses are investing less, and that weighs on basically

economic demand. A sharp fall in economic demand typically means a

recession. Here is the bad news, that index this week hit its lowest

level ever, ever, ever. On that cheery note, there you go! Keep your

eyes on that and keep your eyes on copper prices, they're a big lead

indicator, they're used in pretty much everything we manufacture. If

copper prices plummet, we are in for a bit of strive. What are they

doing? They're down. They had a blip this week but they're at their

lowest levels in something like seven or eight years. You can go

home now! I am exhausted! See you soon.

It's been nearly eight years since the recession that rocked

So, since then, how do you feel today?

Well, let's talk now to finance experts Sarah Pennells

Sarah, tell us, first of all, how you perceive what's going on within

the markets? I think it's confusing as Aaron said. Some people, I was

talking to people yesterday about this, they said it's a financial

correction, it's not an economic correction in that, if you look at

the FTSE 100 index, that's international and a number of the

companies that have - the largest companies in the FTSE 100, they're

heavily into commodities and oil. Obviously, as we know, the oil price

has been plunging, commodities, China, which has been driving

demand, that demand is falling. Some people are saying actually this

isn't really about our UK economy, if you look at what's happened to

the FTSE 250, which is the 250 next biggest companies, they tend to be

much more focussed on the UK and if you look at that index it has

fallen, but by nowhere near as much as the FTSE 100. You talk to other

people and they say George Osborne was warning a couple of weeks ago

about this dangerous cocktail of outside influence that is could

derail our economy and I think a lot of people are confused. I was

tweeting about it saying how do you feel about your own finances and the

economy and it was a mixed picture. Some people said I feel OK about my

finances because I have saved, don't trust the economy, not sure what's

going on. It's a disconnect when you are thinking about the big picture

and looking at your personal situation. That's part of the

problem and part of the reason why this confidence is so fragile

because I think people aren't sure what to hang it on, if that makes

sense. What is your perspective, Gemma, how worried should we be?

It's interesting, it's being driven by China which isn't growing as much

as before, by China which isn't growing as much

not going to be buying as much so our companies won't be able to sell

as much. If you think about China like a Ferrari, that's a good way of

thinking about it, this Ferrari has been speeding at top speeds over the

last few years and that's unsustainable. You are now seeing

this Ferrari still travelling very fast and to put it in context, we in

the UK, we are like a Land Rover, we are out in the countryside, maybe

20, 30mph, China is still growing at a faster rate, it's really to do

with expectations, the fact that it's slowing down and this has

shocked people. How much could it impact on us here? Something like

the International Monetary Fund which was talking about the global

economy earlier in the week and lowering expectations across the

board, it actually didn't change the outlook for the UK, growth still

remaining as it previously forecast? The biggest impact for us

personally, it's bad for investors and people's pensions. But it's good

for home owners. The reason is that people's pensions are invested in

international companies. So the fact that China isn't going to be growing

as much will hurt and hamper the value of those companies and the

shares of these companies that pensions are invested in. On the

upside, the fact that the Bank of England may become more cautious

about the environment means they're going to be in no hurry to hike up

interest rates so mortgages will remain affordable and interest rates

at low levels. How do you see winners and losers? As Gemma said,

that's correct. I would just say, though, that if you have got money

invested in your pension don't panic because we have seen headlines over

the last couple of days saying pensions having huge losses. The

worst thing is to bail out when things are falling. If you look back

in the UK and how investors have behaved, unfortunately, we have

addicted to the habit of buying when the stock market is at its height

and losing our nerve when it falls. Obviously, if you need your money...

If you are about to retire you maybe not have much choice. Sure, if you

need money in the next few months it's a different picture but for

people that don't need the money it's time to take emotion out of it

and almost, not ignore the headlines but not react as soon as the market

goes down because we don't quite know what's going to happen to the

market, if you bail out when the market is down, you could miss it

when it bounces back. Are we in a fundamentally different position in

this country now compared to when the recession hit in 2008? There's

been a lot of austerity. But there is still a huge amount of public

debt. That's an interesting point. What we are looking at is, George

Osborne said in 2010 that by 2015 our books will be balanced and we

are not there yet. The figures that we are about to hear today will show

our country, our public, we are still having a high level of public

borrowing but it's in a better position than before and it's

important to look at, that relatively from where we were before

and also looking forward, what are they going to do? The worst thing

they could do is let's have more austerity and explain that. To have

more tightening in the economy by would hamper, when we need to

support people to go out and buy more and continue to revive the

economy. If market forces are slowing down is there much of an

alternative? Yes. There is. The alternative for balancing the books

is just to delay the end deadline. Instead of saying we have missed one

deadline, we will continue, we will not abandon those targets. Let's not

abandon the targets, it's still important but let's have more

patience as opposed to all of a sudden starting to, you know, enact

anything, that could really hurt the man on the street who we need to

support at this time to continue to buy and drive the growth of our

economy, which is progressing and doing well. Sarah, you were talking

at the beginning about how people are feeling out there. We will talk

about it later in the programme with an audience here.

What is your sense of average person out there and how they feel? I think

people do feel still under a lot of pressure. I think that's partly

because, if you look at the official inflation figures, they're very low,

the consumer price index, 0. 2%, but if you look at other figures. For

example, rents, there have been different statistics, one showing

they've risen by 2. 6%, one showing 3. 4%. If you are renting you are

not going to be feeling that 0. 2%. Petrol prices have fallen. Energy

prices, we have had token price cuts but they haven't come down really.

It feels like a lot of people did the easy cuts in the immediate

aftermath of the financial crisis so they cut back on the luxuries. Then

year after year after year they've really had to make some tough

choices. I think as well because the message from the politicians and

let's face it the economists seems to vary, flip from almost one week

to the next, I think people do feel very uncertain. They probably

haven't got that much slack in their personal budgets and that's not a

great place to be. Of course if you are someone who is trying to buy a

property, especially the first-time buyer, that's tough and you will

feel squeezed for different reasons. Some feel more confident, definitely

but I don't think there is an overall feeling of things are OK, I

don't need to worry, I can build on my own finances and improve my own

situation. I don't think we are there yet.

There is the ongoing conundrum of employment increasing and wages

going up but not by very much? Exactly, by not enough. We want to

see that filtered through to people's wages so they can boost the

economy. That will only come through improved productivity, which is

something the politicians keep talking about? It is all linked

together. Everything is linked together. It is also to do with

expectations. Companies are only willing to give people a pay rise if

they are confident. Bring it back to the reason why there are is this in

the market, it is important to have confidence.

Thank you very much. Let us know what you think.

We will be talking through all of this with a studio audience later.

Do get your thoughts in and we will feed your comment into the

discussions throughout the programme.

Still to come: We'll be stepping inside a multi-sensory simulator

which mimics the symptoms of dementia to see how it can give

people a better idea of what it's like to live with.

And as the Government considers building a new national memorial to

remember British citizens killed in acts of terrorism overseas, we will

talk to the families of two men who lost their lives in foreign terror

attacks. Europe's migrant crisis is putting

the the European Union itself at grave risk, according

to the French Prime Minister. Manuel Valls told the BBC

that "our societies will be totally destabilised" if Europe took

in all the refugees fleeing war Manuel Valls' comments come

as the desperate effort to reach Europe leads to another mass

drowning in the Aegean Sea. 21 people, including eight children,

have died after two boats A search operation is underway

with dozens more people missing. One of the key suspects

in the murder of the former Russian spy Alexander Litvinenko has told

the BBC he had nothing to do A British inquiry concluded that

President Putin had probably approved the assassination of Mr

Litvinenko. But the suspect, Andrei Lugovoi,

has called the findings "nonsense". David Cameron has ordered

a crackdown on what he's described as "spurious" legal claims

against members of the armed forces. He's asked ministers to consider

a range of measures, including taking action

against companies who pursue And industry seems to have built up

making spurious claims against the brave men and women of our armed

forces. That is not acceptable. That is no way to treat people we asked

to do difficult and dangerous work. I am determined to shut this

industry down. 50 million people along the east

coast of America are bracing themselves for a huge blizzard

forecast to hit later. Up to two feet of snow could fall

within a few hours leading to some states declaring

a state of emergency. The Government is giving ?5

million to local councils across in England to help tackle

rogue landlords who take advantage The extra funding will be used

to carry out more raids, inspect properties and demolish

sheds and prohibited buildings. Let's catch up with all

the sport now and join Ore. And the fourth test

is underway in South Africa. It is. England already in amongst

the South African wickets. The first wicket caught by James Taylor at

short leg. You will rarely see a better catch taken in that position.

He took two outstanding catches in the third test. This one possibly

better. And inside edge rolled off James Taylor's fly on to his ankle,

he squeezed it between his thighs. In the end it looks like he is

laying an egg. The caught ball. 35-1. Well played by James Taylor.

They have already won the series. James Taylor, that catch, it will no

doubt be doing the rounds on social media. Outstanding. Also, the

Australian Open. Towards the end of the first week. Roger Federer

through. Maria Sharapova also through. Serena Williams doing the

business. And Novak Djokovic looking like sealing a place in the last 16

as well. All of that and plenty more in Havenaar.

-- hath an hour. British retail spending suffered its biggest

year-on-year fall in six years during the Christmas selling season.

There was more cheer for George Osborne after comment borrowing

dropped sharply by 1%. Let's go live and talk to serve Vince Cable. More

mixed messages. We have just heard borrowing has fallen by 1% but

consumer spending is down. When you look at all these different messages

filtering through about the state of the economy, what is your analysis?

Probably we should not be getting too excited about the ups and downs

in the financial markets. These are always very volatile. What has been

happening in the big global picture is money is moving out of companies

and countries are associated with oil and raw materials, and also

China, but what really matters is whether we are part of this crisis

or not. Britain has been recovering. Certainly coming out of the

coalition years we are getting good growth, good employment. But Britain

is still fragile. We are still on the life-support system of cheap

money. The recovery we have, it is unbalanced. Too much dependent on

property and not on exports come Manufacturing, low creativity. The

government should not be complacent. I must correct the figure I gave on

borrowing. Actually it is down 12%. The lowest level since 2006. What is

your reaction to that? Is George Osborne getting it right? Yes, we

should not be paying too much attention to that. The overall

fiscal position is improving. Indeed that was one of the key tasks of the

coalition government. That overall borrowing figure does not tell us a

great deal. It makes no distinction between getting rid of the deficit,

the underlying deficit in the budget, which this government, like

the last comment, was concerned about, and borrowing for sensible

things like public investment. The overall borrowing figures very

volatile. You have to look at the big picture in the longer term.

Should we hunker down for another crash? I think the probability is

not. But we may well be heading for a slowdown. The problem is, in

financial markets as in politics, trends tend to be hyped. I think we

have got some difficulties in the UK. There are long-term problems

around productivity, lack of skills, lack of innovation. These are the

things we work done in the industrial strategy in the coalition

and there remain problems we have to work on. The overdependence on

property. We should not be worried about short-term fluctuation. The

British economy has been growing reasonably solidly for several years

and that is likely to continue. Thank you very much, Vince Cable.

In the next ten years it's estimated that a million people in the UK

And for people caring for those with the condition,

it can be a difficult one to understand.

Now a simulator, which mimics some of its symptoms,

is travelling around the UK to give people a better idea of what it's

Jean Mackenzie has been to see how it works

Now, I've had very little contact with dementia.

I know how it affects people in theory, but I don't really

understand what they are feeling, what it's really like.

And that is the point, lots of us don't.

But many of us at some point in our lives may end up having

to care for somebody with dementia and that is what this simulator

It aims to try and mimic some of the symptoms of dementia

so people can get a better understanding of what their loved

Glenn Knight is going to be training people to use this.

We are in what looks like a sort of mobile home setup.

OK, so what we are going to do is we are going to put some

scientifically proven equipment on you, glasses,

headset, insoles into your shoes and gloves.

We are then going to give you some tasks to do.

What will happen is you will be immersed into the world

of what someone with dementia might be going through.

It will demonstrate classic dementia behaviours that we see in care homes

Find the white shirt and put it on, write a three-sentence note

to your family and put it in an envelope.

Set the table for four, fold all the towels and fill a cup

In all seriousness I did not hear a single word.

In all seriousness it is part of the task.

OK, I didn't really hear anything of what has just been said

because in my ears is the most overwhelming racket of noise

and confusion and I can't really see that well either.

I think at some point I was told to make a note to my family

and I know I have been asked to do some tasks and I can see a sink

so I think I might try and fill up a glass of water and hope that

gets me a little bit of the way there.

The cups have been here all the time but with these glasses on I just

I just have no idea how these taps work.

I assume they are supposed to be difficult to use.

Right now I honestly can't work it out.

So I have found what appears to be a vacuum cleaner and I thought

I could do a useful thing by doing some hoovering,

Sorry, I just heard a gunshot in my head.

Oh, right, I have managed to get the hoover out.

Wow, that was only six minutes I am told but it felt like forever.

The noise in your head is probably the most disconcerting thing.

Throughout I was being played various sounds and chatter,

Your vision is so restricted through these glasses that

everything is dull so you almost lose the will to even want to work

things out because it is too challenging.

With the noise and the restricted vision I could barely hear you.

While you are stood here, now you have got a healthy brain

But as the brain deteriorates with all types of dementia

One of the abilities it loses is the ability to block out sounds.

In a care home or a communal area there will be TVs,

radios, people talking, laughing, alarm bells which go on for ever.

You don't notice it, but they hear absolutely everything.

So what is the purpose of this simulator?

It is being used to train people to care for patients with dementia

in the hope it will improve their treatment.

We brought along two people eager to know more.

My name is Georgiana, I am 25 and my grandmother has been

suffering with dementia for several years now.

My name is Diana, I am a care worker and I work with people who have

I have been doing this for about eight months now.

I just want to put myself in my grandmother's shoes and find

I'd like to learn how to help these people better and to be able

to understand where they are coming from and why they do the things

I can understand why people get like they do when they hear a sharp

noise or a sound like that, it really is scary.

I'm actually really emotional because now I understand why

I think I just appreciate a hell of a lot more the difficulty

It must be really awful for her actually and I wish my family

understood a lot more, because until now I certainly

would not have ever dreamt this is the sort of thing she goes

The simulator is now heading to care homes,

supermarkets and doctors' surgeries across the UK so anyone can put

themselves in the shoes of those living with dementia,

You can watch that film again and share it on your newsfeeds

by going to our programme page at bbc.co.uk/victoria.

Coming up, one in six rented homes in England is failing

As the government promises more money to tackle rogue landlords,

A new national memorial is going to be built to remember

British citizens who've lost their lives in acts

But the Government wants suggestions on where such a memorial should be,

It's beginning a consultation and wants to hear from families

and friends of victims as well as people who support

victims or members of the public who've been affected.

Let's take a closer look at this with David Green.

His son, Stephen, was killed in the al-Qaeda-linked siege

on a gas plant in Algeria in January 2013.

He's speaking to us today in his first broadcast interview

And we're also joined by Mike Haines, whose brother David

was killed by so-called Islamic State militants in Syria

Thank you both very much for joining us. We appreciate you joining us to

talk about this today. David, first of all, tell us about your son,

Stephen, and why a permanent memorial is something that would be

important for you. Well, Stephen was... A very strong man. Very

resourceful. And a very private man. A memorial, I have only just heard

about the Government memorial and it would be of value to our family to

have a place to go to to share our feelings and we feel that it should

be something which gives us seer Renity and enables us to think about

Stephen -- serenity and also share our loss and grief with others who

have been through something similar. A national memorial is also about a

nation remembering and paying tribute. Does that matter to you? It

matters, yes. It's a nation acknowledging loss but... It's

difficult for me to say whether I feel that the national part is as

important as the family part. I know I feel loss when I hear about

complete strangers losing their lives in a terrorist attack. I don't

know them but I feel a loss for them, for their future and for their

families who are obviously devastated by what has happened. So,

I understand that people do feel loss and anguish when they hear the

news of someone that they've never heard of before losing their lives,

so, yes, the memorial could embody that sort of feeling. Is that

inempathy that has deepened for you because of what you have gone

through? -- is that an empathy? Yes, when I hear of a young man or any

man or any woman losing their lives, then I feel a loss. I even feel a

loss sometimes when I hear of a young man who's been brainwashed and

gone overseas and has been killed. I feel that it's such a waste and I

know that his parents, despite everything, will be feeling a loss.

So, yes. Let's bring in Mike. Your brother, David, was killed by

so-called Islamic State in Syria in 2014, his body has never been

recovered. What would a national memorial mean for you? It would give

my family somewhere to grieve. We are unlikely ever to receive my

brother's body back and it is important for families like myself,

like my family who have lost members, to go somewhere to find

peace, to find mutual support with other families who have lost people

and it is a centre for the nation to remember those who have lost their

lives through needless acts. When you talk of the mutual support from

families who have been through similar to what you have both

experienced, how important is that because obviously when you have been

through something you understand it, you know, do you sometimes feel when

you talk to others who simply haven't been through it, even though

they might be sympathetic and understanding, they don't actually

understand the impact on you? I think unless you have been through

it, you can't see what it does to the family that's left behind. I am

in touch with other families that have lost people through terrorism

and there is a great deal of mutual support. There Those times when we

feel weak, they might be strong and it is a great, great help to those

of us who have lost loved ones. What would you like the memorial to be

like? Do you have any thoughts on where you think it should be, what

it should be? Today sees the launch of the consultation process which

lasts for six weeks. This consultation process is open to

everybody who has lost someone, to groups, individuals, organisations

that gives support to families like my own and if we can get as many

people as possible in this consultation process, then we are

going to find something that we, as the families, as the supporters,

want. I myself am not sure, somewhere peaceful. Whether it be in

London, whether it be at the National Arborteum, whether it's

somewhere else, it will give a place for us to go to remember David,

someone for our family to grieve and to take solace, as I said, mutual

support from other families like ourselves. David was saying how he

feels every time somebody is killed in a terrorist attack and the

empathy he feels about the loss, I would presume you would feel the

same every time there is a story about a terrorist attack. Equally,

you have to deal with headlines like earlier this week, so-called Islamic

State confirming the death of so-called jihadi John, the man who

is believed to have killed your brother. How did you feel when you

heard that? I must admit I would preferred he had faced the courts of

British justice, but these decisions are not in my hands. That's all I

wish to say about him. What is important is, as you were saying,

when we see a terrorist atrocity, whether it is in neighbouring

countries, Europe, whether it is in Pakistan, just yesterday, it is

important that we support each other. This fear and hatred that the

terrorists seek to sow, and that's terrorists of all Creeds, we have to

fight this and we can only fight this by supporting each other, by

learning from each other, from peace. David, what have you learned

about the best ways to support each other and learn from what you have

been through, what others have been through? Since my brother's death I

have travelled the country and abroad talking of unity, tolerance,

understanding between our communities. The damage that these

terrorists seek to sow in our communities, polarising our

communities is far more dangerous than the loss of my brother's life.

I love my brother, I still love my brother, I will fight to my dying

day against the hatred that they want to bring in to our communities.

I have met some incredible people, some incredible organisations that

are making a stand within their communities, making a difference,

standing up for humanity, for understanding and for tolerance.

Thank you, Mike. David, how do you see that? Well, I applaud what Mike

is doing. I personally do not feel inclined to do that. I want to help

my family to rebuild and to continue and to develop. I have also got a

burning desire to find out the full truth behind what happened as I

haven't... The inquests went so far but there's still unfinished

business. There are suspects in Algeria who have yet to be brought

to trial, so justice, like has been said, needs to be done in a court

preferably, if possible, so there is that to be done and I am still

waiting for the Algerians to tell us when that is going to happen. My

MP's written to the Prime Minister and I am trying to find out what is

going on. So, for me, there are deep personal lack of knowledge which I

think my son deserves the truth and that is what I am trying to do.

Thank you, David. Thank you, David and Mike.

After a roller-coaster of a wheat on the financial markets, how safe is

the UK economy? We look at how problems around the world could

affect families and businesses at home. Now the latest weather.

Have you heard about this big storm in the United States? Two feet of

snow. Some will see more than that. It is courtesy of this area of low

pressure. It is producing some snow from North Carolina. As we go

through this weekend you can see the jury that low pressure is taking.

Taking the snow further north into Washington and into New York. If you

look at the squeeze on those isobars and it is also windy. We have got

blizzard conditions. Some states have declared a state of emergency.

Of 260 centimetres in Washington. In western suburbs we could have as

much as 75 centimetres. That is roughly 2.5 feet. It could prove to

be an historic storm. Take Washington again. Roughly once every

eight years we will have as much as a foot of snow. To get more

eight years we will have as much as that it is more than -- one in every

hundred years. It is a big event. Transportation has been disrupted.

Flights have been cancelled. More than 2000 flights are been cancelled

today. Washington cancelling some subways as well. As well as the snow

we have got strong winds. Blizzard conditions. White out conditions.

You will have seen some pictures of cars skidding all over the place. It

moves away during Sunday, leaving quieter conditions. What is going on

there? Is it going to head away? That is a very good question. It

will come across the Atlantic. We expected to land on our shores later

Tuesday, Wednesday. It will be moderated by the Atlantic. It will

bring some wet and windy weather. Rain rather than snow. What we have

got coming away this weekend is mild weather. Much milder than it has

been. It has got cold. Today what we have got our other conditions

spilling from the West courtesy of another set of fronts bringing in

rain from the south-west, moving to the east. As it clears we are

looking at spells. A lot of rain this morning. A lot of surface water

on the roads. Gusty winds. As the rain pulls away the wind will ease.

It will squeeze isobars as well in the north-west later on. We will see

a return to wet and windy conditions. Through the rest of the

morning and into the afternoon, the rain moves towards East Anglia and

the south-east. Behind it there will be a veil of cloud. Away from that

we are into sunny spells. A beautiful afternoon from the

Midlands towards the Isle of Wight, heading towards the south-west of

England and the Isles of Scilly. Temperatures 12 Celsius in lighter

winds. It is the same for Wales after the heavy rain this morning.

That has moved away. I coming up with some sunshine. Sunny spells

across Northern Ireland with a scattering of showers. The wind will

strengthen. For the rest of Scotland, try and find with sunny

spells. Northern England, a beautiful afternoon. Anywhere from

parts of Yorkshire, Lincolnshire, in through Cambridgeshire, East Anglia

into Kent, thicker cloud with the remnants of rain. Rain will clear up

around dusk. That leave some clearer skies behind. In the clearer skies

the tablet could fall low and off for a touch of frost. The other

thing that will happen tonight is there will be some patchy mist and

fog. Tomorrow we start off with that scenario. Tomorrow will not be a bad

day. Mainly dry, sunny spells. Some stubborn areas of cloud. Sunday will

be cloudy, splashes of rain but it will be very mild. On Saturday we

start off with the mist and fog lifting. It will be quite murky

around the Midlands into the south-east and east Anglia. Away

from those areas we are into sunny spells. Through the day we will

start to see the next system sweeping in from the south-west

accompanied by gusty winds. Sunday will be breezier. Windy towards the

West. A lot of cloud, some showers. Temperatures shooting up. If you are

in the shelter of high ground, you are looking at a high of 15 Celsius.

Way above average for the time of the year.

Hello, it's Friday, it's ten o'clock, I'm Joanna Gosling

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

After a week of economic turbulance in which billions of pounds

was wiped off the value of shares around the world,

former Business Secretary Vince Cable tells us the British economy

We are still on the life-support system of cheap money. The recovery

we have, undoubtedly we have got one but it is unbalanced. Too much

dependence on property and not enough on exports and manufacturing.

Low productivity. We should not be complacent. With UK

borrowing down, is he right? audience to find out if people

are feeling better or worse off. Authorities heave been calling

for a mandatory home education register after eight-year-old

Dylan Seabridge - who had no contact with the authorities -

died from scurvy. What more can be done to ensure

home-schooled children are always safe?

standards - now the government promises more money

There has been a sharp drop in government borrowing according

Victoria Fritz is here to tell us more.

Focus through the figures. This is a snapshot Raly of government spending

at its role in the economy. It has got two parts. It's spending and

what it is earning. It is spending a little bit less on staff costs and

purchasing goods. It is also spending less on the interested

those on debt because of the lower interest rate environment we are

seeing around the world. It is earning a little bit more. It is all

through tax. Part of that is because it is getting more from VAT.

Consumers are buying more. The economy has been driven by consumer

spending of late. It is also getting more from national insurance

contributions because there are more people in work and it is getting

more from income tax receipts as well because of the improving

picture of the labour market. Spending a little less, earning a

little more. Is it on target to meet the deficit? Well, potentially. It

has to make a surplus of over 5 billion in the next few months to do

that. It might be possible because January is very good for the

Government in terms of tax receipts. Everybody is filling in their tax

assessment forms. They will be returning money. Last January we saw

a surplus of ?11 billion. It is possible it will meet its

forecast. Thank you. We will be talking more about how you are

feeling about the economy with our studio audience in a few moments.

Europe's migrant crisis is putting the the European Union itself

at grave risk, according to the French Prime Minister.

Manuel Valls told the BBC that "our societies will be totally

destabilised" if Europe took in all the refugees fleeing war

Manuel Valls' comments come as the desperate effort to reach

Europe leads to another mass drowning in the Aegean Sea.

21 people, including eight children, have died after two boats

A search operation is underway with dozens more people missing.

One of the key suspects in the murder of the former Russian

spy Alexander Litvinenko has told the BBC he had nothing to do

A British inquiry concluded that President Putin had probably

approved the assassination of Mr Litvinenko.

But the suspect, Andrei Lugovoi, has called the findings "nonsense".

David Cameron has ordered a crackdown on what he's described

as "spurious" legal claims against members of the armed forces.

He's asked ministers to consider a range of measures,

including taking action against companies who pursue

An industry seems to have built up making

spurious claims against the brave men and women of our armed forces.

That is no way to treat people we asked to do difficult

I am determined to shut this industry down.

The Government is giving ?5 million to local councils across in England

to help tackle rogue landlords who take advantage of their tenants.

The extra funding will be used to carry out more raids,

inspect properties and demolish sheds and prohibited buildings.

How our England getting on in the cricket?

England won't be too happy with their morning's work

in the fourth and final test against South Africa.

They've leaked runs and dropped a catch at Centurion.

But they have provided the outstanding moment,

arguably of the series - a wicket taken off the bowling

It wasn't the best start for the tourists or James Anderson,

whose first ball of the day went for four.

But as soon as Moeen Ali was brought into the attack,

And how about this for a catch by James Taylor at short leg?

Dean Elgar getting the inside edge straight into the stomach of Taylor,

who wriggled and writhed before taking the ball out from behind.

England have of course already won the series -

South Africa 89-1. People will be talking about that catch for some

time to come. Some of the big names have

booked their places in the second week at the Australian

Open this morning. Roger Federer won his 300th career

Grand Slam match to reach the fourth round after what was eventually

a comfortable win over Grigor The 17-time major winner

and third seed took four sets He's now beaten Dimitrov in all five

of their meetings so far. He faces Belgium's

David Goffin next. Defending Champion Novak Djokovic

is two sets up against Djokovic raced through the first set

to win 6-1, but the Italian gave him It took till the 11th game

for the break, Djokovic winning 7-5. Former women's champion

Maria Sharapova has booked her place in the last 16, beating

American Lauren Davis. It wasn't straightforward -

Sharapova needed three sets to win, but she came through and will face

the talented Swiss teenager Belinda There were no problems

at all for six-time and reigning champion Serena Williams -

she charged into the fourth round with a 6-1 6-1 demolition

of the Russia teenager Daria Williams now faces another unseeded

Russian, Margarita Gasparyan. Bar in Munich manager Pep Guardiola

has not yet arrived in England but he is already causing controversy.

Manchester United have denied they met Bayern Munich manager

Pep Guardiola, about the possibility of him replacing current boss

Reports from France, claim the meeting took place last

week in Paris, but United insist the story is not true.

Guardiola has already said, he'll leave Bayern Munich,

this summer to come to the Premier League.

Manchester City are favourites to recruit him.

If you remember, last week he had to apologise to Premier League managers

for announcing he would be coming to the Premier League and getting them

all aged that they may lose their jobs. If you think EE is causing all

of this hubbub before he arrives, imagine what will happen when he

does arrive. Thank you for joining us this

morning, welcome to the programme if you've just joined us,

we're on BBC 2 and the BBC We will keep your cross the latest

breaking and developing stories. Also ahead, Europe's migration

crisis is putting the European Union at grave risk, according to the

French prime minister, Manuel Valls. Speaking in Davos he said Europe

cannot take in all of the migrants and refugees who want to settle in

Europe. More on that later. As ever, we are keen to hear on you. -- from

you. It's been a rollercoaster of a week

on the financial markets - and that rollercoaster has mostly

been heading downhill. The FTSE 100 is the market

which tracks the value of Britain's 100 biggest companies.

It closed up 1.7% yesterday, but there was a big drop

on Wednesday of 3.5%. The FTSE 100 has lost 20%

of its value since its record That's a loss of around

?396 billion - which, if you divided that

by the population of the UK, is equivalent to a loss

of ?6,000 per person. The way the markets perform

is a real indication of how confident people are feeling

with the economy. And it seems those markets have

got the jitters. But is it all doom and gloom and how

does it affect you? It has been hard to miss

the gloomy headlines all week. To some, it feels like the whole

world economy is going to hell The FTSE 100, the value

of our biggest companies, In banker speak that means

we are in a bear market. The problem with the markets right

now is there is a lot If we continue to get these market

jolts, it will begin It has been the economic success

story of the decade, building so fast that it has used

more cement in three years than the US has

in the whole century. But that growth is now slowing down

and it means less demand for British exporters and more worries

about the amount British banks have This is where it gets

a bit more complicated. Other data seems to show the British

economy is doing quite nicely Unemployment is now

at its lowest level in a decade. The unemployment rate is now lower

than it was at the start The latest figures show unemployment

falling back at 99,000. Recent economic growth figures out

of America have also been strong. Those jitters about the world

economy are one reason why that has been falling to next to nothing,

making the price of almost everything from holiday flights

to electronics cheaper. If we knew, we clearly wouldn't be

working for the BBC, but already we are

seeing the effects. Just this week the Governor

of the Bank of England said this: That is bad news for savers,

but good for borrowers Look at what is happening

to the British steel industry. Thousands of jobs have been lost

because Chinese producers have been selling at cut-price rates

and we can't compete. As usual, no one really

knows the answer. Some think what is happening now

is just a bump and those markets The most pessimistic think

it is a sign the world is heading It's been nearly 10 years

since the recession that rocked the country's finances -

so since then, how do Well, let's talk now

to our studio audience. David brait wait, a mortgage broker

is here, Sarah Murray, a founder and CEO of her own business, Mick

Scarlett, a first-time buyer, Chris Rogers, a financial fund manager,

and April Mackenzie McQueen, who is trying to start up her own business.

Thank you all for joining us. We will start with you, Chris, because

you obviously know what's going on in the markets. You are a fund

manager. Tell us quickly what that job means. I am an invest manager

for a London-based investment firm. I manage equities, so the markets

that have been falling is directly impacted our business in the

short-term. And our clients, of course, as well, suffer those losses

but experience does teach you that markets are volatile and in the

longer run it normally pays to keep a cool head at such times and if

anything to be a buyer, rather than a seller when we see those setbacks.

When you talk about clients, is that - can that be anyone that has money

in a pension or is it high wealth individuals? The end investors will

be the man in the street indeed, yeah. It filters through to all of

us? To the extent that we have seen a fall in values it does have a

bearing, of course, that only really matters if people choose to sell at

this point and lock into those falls. My advice would be, and I

think that of many financial advisers, would be to tough out

these sort of times and if anything, to trickle more money into the

markets because clearly after the falls, one is probably getting

better value. The key question is whether it's changed the economic

outlook for the global economy and the UK economy? There will be

differing views on that. My own view is at the margin growth might be a

little slower but not materially and not enough to put off long-term

investments at these levels. You remain optimistic? Cautiously

optimistic. There is clearly a lot of uncertainty in the world. We

heard about the uncertainty - uncertain state of the Chinese

economy, that weakness has a direct bearing on commodity price, that

weakness has undermined producers and the emerging markets have been

very much in the eye of the storm. In developed markets where on

balance we are consumers of commodities, the consumer is getting

the benefit of lower inflation, lower cost of petrol, etc. That's a

real boost for the economy. And I think that can be sustained for the

foreseeable future. Let's talk to you, Sarah, because you are running

a business with 50 staff, exporting across the world, I think

three-quarters of the business is exports. That's correct. What is it

like for you at the moment? I would say the markets are better than ten

years ago, particularly in the UK because there is a huge amount of

confidence in people setting up new businesses. The Government has done

a huge amount to provide investment for people starting up businesses.

What is still missing is capital for growth businesses. There is a huge

lack of that. We export our products to countries all over the world, 75%

of our sales are to foreign countries. We sell products which

really aren't affected by the economy. If you are older, living

alone, concerned about a fall, you will need a service from us

irrespective of how the economy is doing. Do you feel like you are

pretty bulletproof at the moment? No business is bulletproof but

businesses fail because they run out of cash. At the moment there is cash

available. That is specific to your business you are saying because you

are not necessarily buffeted by demand when economies are slowing?

We are not really affected by the economy. I don't worry about

economic indicators at all but generally for business they only

fail because they run out of cash, so as long as cash is available the

economy's going to keep doing well. April, you are setting up a

business. Tell us what your situation is. I am currently trying

to set up my own business selling make-up storage solutions and I am

finding there is a lot of help out there for start-ups. However, when

it comes to funding, apart from the Government back loans, most of the

funding is geared towards technology and I am not setting up a technology

business and it's been a little hard to get off the ground in getting

prototyping done and things like that. Are you setting up because you

always felt by nature and entrepreneur or is this through

necessity? It's through necessity for me. A lot of my friends who have

gone to good universities, got degrees like myself, we are finding

it hard to get a job in an industry that pays us, well,

it hard to get a job in an industry still working in retail, so we are

not progressing from what we were doing when we were teenagers. For

me, trying to get that graduate job has pushed me into trying to create

my own business and do things for myself. How do you feel about the

economy. On the one hand obviously you have had it tough, been finding

it difficult to get work but on the other hand you are setting up a

business, so is there optimism there? I am hoping it gets better.

Everybody can set up their own business, that's the reality of it.

For me, what I hope is that the economy will get better. Obviously I

am going to need it once the business is set up. But for all the

other people who are my age who can't get a start in life, we can't

think about renting at the moment, because renting is so high and

property prices are so high we can't think about being able to buy our

own house because we haven't got the jobs to save, so that makes me

worried at the moment but I am optimistic that things will get

better in the future because it has to. Otherwise we are all screwed!

Mick, I hope you don't mind me saying you are 50 and you are still

trying to get your foot on the property ladder. I am disabled and

spent most of my life in social housing and I need an adapted flat.

With the housing bill about to come in, if that comes off the ground

people like me will be forced out of social housing because we earn over

the minimum that you are allowed to earn before you start paying extra

rent. Then what happens is you have to try and move into the buying

market. I have -- - I have been saving. How long? Every five years

and every time I get enough the housing market moves out of my

reach. That must be frustrating. It is frustrating. I have discovered

fun stuff today about mortgages that I didn't realise so I shall be in

touch with you later, but for me the worry about the economy is troubling

as well for my business because I advise business on how to increase

their client base with an eye to diversity and bringing in a diverse

client base and people like me are the first to go when people want to

tighten their belts. Are you feeling vulnerable right now? I am worried

that if there is this panic about the economy, that it might affect

me. On a broader term, of course... Are you seeing it affecting you or

is it a fear? My business has grown every year that I have been running

it, actually I don't feel it but I know that a lot of the people that I

deal with panic when they - a lot of people I work with are in retail, if

they feel there is going to be a contraction of the economy they

worry about future plans and pull back. Before we talk to you about

the housing market, a quick thought from Chris on panic. It's catching,

isn't it? We were seeing in the report the bear markets, once fear

sets in, wherever it is, it can spread easily. Yeah. So far, these

falls have been not accompanied by extreme panic. Some commentators see

that negatively in the sense that's potentially still to come and they

won't feel as though there's been the cleansing until we have had that

phase. But I think with an eye to the economy, as we stand at the

minute, there is no reason to panic on the economy. Clearly, there is

always a risk we could talk ourselves into a recession, that is

possible. But I think there are enough level heads around and the

underlining state of the UK economy, the European economy and the US

economy, is pretty good. Clearly the question marks are more global and

whether those global turbulence could undermine the growth and

recoveries in the developed markets, that's the risk, I think. David,

Mick has already been picking your brains before you joined us in the

studio, you are a mortgage broker. He has been struggling to get on the

property ladder. But new figures indicate that mortgage lending is

going up, doing well. We had the problem when the banking crisis

started all the lenders ran for the hills and were reluctant to lend

money. Now things are beginning to soften up. The credit scoring is

getting easier... Is that a good thing? It is for the right people.

What we had before was lots of people that didn't earn the money

they said they were earning, a lot of self-certification mortgages

going on. They should probably have never happened in the first place

for many. What's happening now is the people borrowing the money are

the right people that should be borrowing. We have to show more

documentation more, they want pay slips and bank statements, if there

is nothing to hide there is no reason why you shouldn't get a

mortgage. This year we are seeing more 95% mortgages and rates coming

down on 95% mortgages so indicators are there. Also the buy-to-let

problem in terms of the people buying there have to pay a higher

stamp duty from April. A lot of buy-to-let landlords are trying to

quickly buy but I think post-April when that - they're not buying any

more we have a chance for the proper first-time buyers to come in at the

bottom of the market and start things going so it will give people

a chance now who have saved a deposit, and that's the hard bit,

but people won't be competing with the buy-to-let landlord going in

there and paying cash or get ago small mortgage. Have things changed

enough for the same mistakes not to be repeated again? I really hope so.

Because the ability to get credit or a mortgage, the easier that is, it

fuels the market. It's like a commodity, a house. If you have a

high demand and people are able to borrow more and more and this is the

problem with Northern Rock, at one point they were lending 125%

mortgages to people. They crashed and burned, unfortunately. We don't

want to see that again. We want responsible lending, lent to the

right people and the housing market should calm down and bit so people

can afford to buy when income goes uppen not feeling afraid like you

are that the house prices are going up quicker than income is so you

will get left behind. In the UK we have this thing where we feel we

have to own a house. The Englishman's home is his case

Castle. -- Castle. A lot of people want to own a property, that's what

we do. House prices in the south-east are so ex-orbitant now,

it's the single biggest thing I hear from my staff, is I can't afford to

buy a house around here. People are encouraged to borrow probably more

than they can afford because they're desperate to get on the ladder. If

you say rent to them, they feel they're throwing money away every

year instead of investing for the future. But also that it will get

harder to get on the ladder so they feel if they don't do it now they're

going to get left out forever. And wages, you talk about employees,

wages are increasing but nothing like at the level needing to keep

pace with the housing market. Wages have been rising in line with

inflation which has been low but how prices have increased significantly

more than that. You look at other countries where this has happened

and you get two-tier markets, if you are a resident or born there you get

a different opportunity to buy houses. If things carry on as they

are at the moment, we are going to end up with that system in London.

April, you are the youngest. You are starting out with your company. You

are talking about the way that you and your contemporaries leaving

university see things. Do you feel generally optimistic when you look

to the future? Yes and no. I am optimistic because I feel as though

I have to be. But when I do look at house prices and the rental market

and at the jobs out there, that deflates me at times. It is really

hard. I feel that sometimes the younger generation gets ignored. We

think people in middle age are able to buy a house. Whether or not it is

95% mortgages. But we forget that my generation actually needs to get

these opportunities, we need to get the jobs and we need to get our own

houses that we can live in. In a year's time if we are not working

and earning money now, how can we pay for pensions? What will happen

to the economy in the future? That is what worries me. That my

generation will get left behind and in years to come it will erupt for

the generation below us and the generation above us. I have the same

feeling about the disabled community. If the economy looks like

it is going to contract, and we have been heavily targeted by austerity

already, I am lucky because I work. Those who do not work in the

disabled community are really penalised. We must not allow our

jitters to lead to more austerity. We need the economy to grow. Thank

you. Still to come before 11.00am:

There's evidence that one in six rented homes in England is failing

to meet basic standards. Now the Government is promising

money to crack down Europe's migrant crisis is putting

the the European Union itself at grave risk, according

to the French Prime Minister. Manuel Valls told the BBC

that "our societies will be totally destabilised" if Europe took

in all the refugees fleeing war Manuel Valls' comments come

as the desperate effort to reach Europe leads to another mass

drowning in the Aegean Sea. 21 people, including eight children,

have died after two boats A search operation is underway

with dozens more people missing. There has been a sharp drop

in government borrowing according The government borrowed ?4 billion

lower than the year before. Total borrowing stands at 74 billion,

which is ?11 less than the previous year.

David Cameron has ordered a crackdown on what he's described

as "spurious" legal claims against members of the armed forces.

He's asked ministers to consider a range of measures,

including taking action against companies who pursue

The Government is giving ?5 million to local councils across in England

to help tackle rogue landlords who take advantage of their tenants.

The extra funding will be used to carry out more raids,

inspect properties and demolish sheds and prohibited buildings.

More on that coming up shortly. Get in touch if you have got any faults.

If you are an England fan, no more wickets in South Africa. South

Africa had the better of the first morning in the final test. James

Taylor's catch was no doubt the outstanding moment of the day so

far. The hosts are 107-1. Novak Djokovic is on course for booking

his place in the second week of the Australian open. He leads Andreas

Seppi. They are in a tie-break in the third. Serena Williams charged

into the fourth round with a 6-1, 6-1 demolition of her Russian teen

opponent. She now faces another unseeded Russian on her quest for a

seventh Australian open title. And Manchester United have had to deny

reports today coming from France that they have met with outgoing

Bayern Munich boss pep Guardiola about him becoming the next manager

at Old Trafford. Manchester City are still favourites to recruit him. It

seems he has the pick of the Premier League.

That is it. There are calls for home

education to be reviewed, following a BBC investigation

into the death of a boy from scurvy. The eight-year-old who lived

in Pembrokeshire had been An unpublished draft report shows

concerns were raised with authorities,

but not acted upon. Here's our social affairs

correspondent, Alison Holt, He was invisible to the authorities,

according to the draft of the serious case review leaked to BBC

Wales. It said they knew so little about Dylan, it was impossible to

even draw a pen picture. He was educated at home. The inquest into

his death heard although he was registered with a GP, no record was

found at him seeing a doctor or dentist from 14 months old until he

died. His parents were charged with neglect after his death in 2011. The

CPS dropped the charges in November 2014, deciding it was not in the

public interest to continue. At the inquest into their son's death, his

parents disputed that Dylan had scurvy and said he was not invisible

to the outside world. The serious case review details are complicated

story. It said Dylan's parents were in a lengthy legal dispute with the

neighbouring council after the mother injured herself at school.

The authorities were alerted about a child being taught Mac at home. --

taught at home. The report says he was not known to Pembridge education

officials. -- Pembrokeshire. The report concludes that the laws and

regulations surrounding home education in Wales need

strengthening as a matter of urgency. It goes to say that

existing regulations are inadequate to ensure a child's safety.

Barry Sheerman is the Labour MP for Huddersfield and the former

chair of the Education Select Committee.

And, from Shropshire we're joined by the author Mike Fortune-Wood,

who educated his four children at home and who runs

Thank you both for joining us. Barry, Pembrokeshire education

authorities say he was not known to them and they have no power anyway

to check up on him. What is the situation? That is a real problem.

There was an attempt to bring in a bill to deal with home education

just before the end of the last Labour government. That failed. Why

did it fail? The Conservatives would not agree to some of the clauses.

The fact is, if we get down to the sad death and our hearts go out to

the friends of this little boy, Dylan, but there have been other

cases like this. There was one not so long ago in Birmingham. There is

nothing wrong in principle with home education. There are people out

there using home education for purposes that I worry about. It is

our duty as a government and as a society to make sure that every

child is well-educated, safe and well. We do have a societal

responsibility for that. While some home education is absolutely right

for some children, most children will need to know where they are and

the quality of education and support they are getting at home. The Welsh

Assembly is looking at introducing some legislation. Has this shone a

light on the bigger picture? Is it time to look perhaps again at

introducing a bill in the House of Commons? I think it is. There was a

very thorough report into this. It Commons? I think it is. There was a

got a very hostile reaction from home educators, the core of them

were very energetic and very eloquent in terms of the defence of

home education. I don't blame them for that. But the fact is there are

a lot of people now using home education. The Prime Minister was

speaking this week about illegal schools. There is a document

circulating up and down the country which gives you the the Tate Essonne

how to prove your home educated. -- give you tips on how to prove.

Sometimes it can lead to the setting up of illegal schools, sometimes by

religious people, others having other motivations. These things can

go together. There is an increasing concern that nobody in children's

services know where many children are. And

services know where many children system does. Mike, how do you see

it? You represent home-schooling families. Yes. Well, I don't

represent them but I do run a website that supports home education

in the UK. My feelings about what Barry has just said is that home

educators generally do not support the running of illegal schools. And

we would not sanction that in the based. -- in the least. I don't know

of anybody who actually attends such a school. I am not sure who these

people are. What about the premise of education to keep better tabs on

children who are home-schooled? S in all cases that we know of, children

who have run into difficulties with their parents and have perhaps died

or have been abused or neglected were well known by their local

authorities. Even this case in south Wales, it appears that while the

local authority says it had no knowledge and no way of acting, it

seems to me they should have looked closer at section 47 of the children

act which gives them exactly that power. You dispute the claim that

the educational authorities have no power? All we know from the reports

on the television and the newspapers, but apparently a head

teacher and a solicitor both reported this case and no action was

taken. Now you would not invoke home education regulations as to how to

deal with that. You would invoke the children's act. Which is the wrong

act, it seems to me. Barry Sheerman, is there not a loophole here? As a

member of Parliament I spend a lot of time with the director of

children's services and I talked to a lot of directors up and down the

country. They are very concerned about the lack of joined up...

Sometimes it is regulation but sometimes it is the link. The first

time you know somebody is in trouble, a child is in trouble, is

usually from the school, a perceptive schoolteacher or support

worker, or a social worker or GP. When these tragedies appear and we

have a serious case review, normally it is this lack of joined up

thinking. The trouble is it is very difficult to have a joined up system

when children do register as home educated. That is the real problem.

It is very difficult to make sure that we ensure every child is

well-educated, safe and secure. There is a very real need, I think,

to take into account good home education, supported but make sure

that what is happening at home in educational terms is of good

quality. Mike, a quick response?

The reason there is difficulty of a joined up thinking is that the

education, home education officers and social workers do not work

together as they should. There is a lack of understanding about the

boundaries between the pieces of legislation. If social workers were

allowed to do their jobs properly, as they should do, and home

educating officers did not try to do welfare work but passed it to the

social workers, we would not see these cases arising. Wouldn't you

agree that we need every child to be known to the nearest school, even if

they are not attending? Check where our children are so children are not

vulnerable to the dreadful neglect that we have seen in some of these

cases through the system. If you brought in compulsory registration,

do you honestly believe those families abusing children would

comply with it? All you would get is the families who are complying with

all of the legislation complying with this as well. It is the

families who would not comply where the abuses. Are they being properly

cared for and properly educated? You won't find them by this. Thank

you very much. The Prime minister of France,

Manuel Valls, has warned that the European Union could be

destroyed by trying to accommodate the huge number of immigrants

trying to enter Europe. Speaking to the BBC,

Mr Valls said member states simply could not accept all the refugees

who wanted to live in Europe. More than a million migrants

arrived last year - most were refugees -

and thousands more were So could the refugee crisis

really destroy the EU? Here's Mr Valls talking to the BBC's

Chief International Correspondent, That's the French Prime Minister

talking to Lyse Doucet. Plenty of reaction throughout the day on the

news channel. Some people in this country have

to live in terrible conditions - squalid flats, dangerous houses,

and rat-infested roads. Today, the landlords that force

tenants into those situations are being targeted by

the Government, which is giving ?5 million to local councils

across the country to find them, The cash will also allow councils

to root out more "beds in sheds". Since 2011, nearly 40,000

inspections have taken place in properties with over 3,000

landlords facing further enforcement Let's talk about that

with Vijay Bhavnani, who had a really bad experience

with a private landlord; Kate Webb who is the policy director

at Shelter; Richard Blanco who is a private landlord

and Councillor James Murray who is the executive member

for Housing at Islington Council, which is one of the councils

that is getting some of this money. I said you had a bad experience,

what was it like, what happened, Vijay? I rented a flat in September,

2013, with no visible defects, as such. Moved in first day, woke up

the next morning, opened such. Moved in first day, woke up

wardrobe and the clothes were wet because the only wardrobe in the

house was external and it was condensation, and as soon as winter

there was black mould developing. Where it was developing? The

wardrobe, kitchen, bathrooms, everywhere. We had to clean the

mould every day and then we had someone coming in to just clean

moulds a couple of times a week. That's kind of continued throughout

the winter. And then in the summer we had Moths, carpet Moths, so it's

like winter the mould obviously doesn't come through and in summers,

the carpet you will see hundreds of small insects coming out of the

carpet. Obviously I was on a one-year contract and I tried to

leave the property but I was told by the agent that you can't leave

because the clause is one year. We left that exactly after the

completion of one year. What was the landlord saying? Did you discuss it?

I spoke to her, she was nice, she said OK, open the windows, don't

hang - dry the laundry inside and practical advice. What about

concrete help and fixing it? She gave us dehumidifier, you keep it on

all day and then eventually I had five of them. I wasn't able to use

the wardrobes, the dehumidifier was everywhere and kept clothes in

suitcases. There is no wardrobe in the house. It's pretty difficult and

I read up what to do, should Gibb to the council? But I found out these

are borderline with landlord and tenant, both can be held

responsible. It doesn't sound like there was an antagonistic

relationship, you were communicating OK about this? She was saying do

this, do that, there is a problem, giving practical advice but that

wasn't solving the situation. When it came to Moths there was three

months left and I said, there's no point going to council or anything.

Let's bring in James Murray, the Government is helping councils take

on landlords not delivering properties as they should be. Your

council is getting a slightly bigger slice of the money compared with the

average amount, is that because there is a problem in your area? We

are getting about ?100,000 to help deal with the problem of some rogue

landlords. Most landlords are reasonably decent, give a good

service but we need to go after those behaving badly. Now in the

context of the budget in the council I serve on, we are having ?24

million of cuts this year so there is not that much resource around to

take all this enforcement action. Now you have ?100,000. We want to

use it. Will that be a help, what difference will the money make? We

can use that for extra officers to enforce against those properties

where we think landlords are not behaving responsibly or well to

tenants and if they don't follow the enforcement action which we insist

on we can take legal action under the proceeds of the crime act.

Richard, you are a landlord. One in six homes are apparently not up to

scratch. It sounds like there is a lot of rogue landlords, is that

fair? They are a small minority. Those figures are a bit overblown.

Of course, it's in the landlord's property to keep it in in order,

it's their assess. Tenants are customers. Most tenants stay at

least two-and-a-half years or longer. So we are talking about a

small minority of landlords who flout the law and we are very

pleased to see that the Government is helping local authorities to use

their existing powers to enforce and take action against landlords who

aren't behaving properly. Kate, with your work at Shelter what sort of

examples do you come across of people who are having problems? I

mean, the worst example we come across is death, fire and similar

hazards can occur if a landlord is willfully neglecting the property

and that can mean, particularly with beds in sheds, in the worst examples

people are dying. At the other end Vijay's example is common, where

people are hunting for flat in a competitive, overcrowded market, you

take something you think is going to be OK and then it's only when you

move in that you start to discover these problems. What are your rights

if you have signed up to a year-long commitment? This is the problem, as

a renter you have few rights and you are dependent on the council to help

you if you get stuck in a situation where the landlord won't make

improvements and that's why today's money is welcome, we know councils

are struggling to help tenants coming to them at the moment. We

need to reform the law so that tenants are empowered to hold their

own landlord to account. We do a lot through our website and our helpline

to try and advise people on their rights and help them navigate what

can be a complex and stressful process but we have to put those

tools in place to help people actually get decent conditions in

their home. You said it's obviously in the landlord's interest to keep

properties in good condition, Richard, because it's an asset, why

are some just not doing that, is it because they can't afford to do it

because of the margins with rent and what the house is costing? In some

cases there are pressures on landlords, we have had a huge amount

of regulation brought in at the moment. I would really encourage

landlords to become accredited, to join organisations like the National

Landlords Association to get up to speed on that regulation. We need

landlords to be good businessmen and women and to run their properties

like a business. Unfortunately, there will always be a few that just

don't do the decent thing. I would say in a case that we have heard,

Moths and damp, are very tricky situations and it's true, there is a

grey area as to whether or not the landlord or the tenant is

responsible. Most landlords will do as yours did and will try their best

to resolve the situation, often they can be down to the tenant lifestyle.

It's a difficult to get rid of Moth, particularly if you have walled

carpets, some situations are trickier than we think. Thank you

for coming in to talk to us. He's perhaps one of Britain's

biggest Hollywood stars and at the age of 82,

Sir Michael Caine says he's not He's been speaking with the BBC's

Nick Robinson about old age, class, politics and, of course,

his new film entitled "Youth". Sir Michael Caine began

by describing how the Italian director Paolo Sorrentino had

persuaded him to make the film. My agent got a script from him

saying he had written a script for me called Youth, it wasn't even

called Youth at that time, and that he wouldn't do it if I didn't do it.

I thought this was stunning. Then I read the script and it was a

fabulous part for me. I was 81 at the time, and you don't get many

fabulous parts for 81-year-olds. Called Youth but about old age. It's

about old age, yeah. Where it gets the title Youth from is I have an

examination to see if there is anything wrong with me and I have an

appointment with the doctor to get the results. He says, I go there and

he said, there is absolutely nothing wrong with you. He said, it's what

we in the medical trade call youth and that's where the title comes

from. There is another lovely line your character has. He is talking

about old age and he says, I don't know how I got here. That struck a

bit chord with me personally because I was thinking about that and I

thought, I was 82 at the time, and I thought, I am 82, like ten years ago

I was 36. What happened? You know, it's a mystery of just how you

manage to get there and also you are still here. You know, because people

say, you hear Charlie died, he was 75, but he had a good innings. Wait

a minute, I haven't started batting yet. Also, men don't get old like

they used to. I remember men of... Little old men talking like that,

you know. And wandering around and getting up with a walking stick. I

don't feel I am 82 now. I don't feel 82. Also, we all take better care of

ourselves than we ever did. Everyone's living longer.

And you can watch that full interview on the BBC Radio 4 -

A couple of your comments through on the plans for a national terrorism

memorial. A memorial for victims of terrorism.

Alex has tweeted, remarkable strength shown by the relatives we

spoke to earlier. Jackie has said the national memorial would be a

great place, it's centrally situated in the UK. Thank you for your

company. I will see you on Monday here on BBC Two, the news channel

and online. Have a lovely weekend. You can watch and share all our

films online. Bye. You saying you're not a tax haven?

We're not a tax haven at all. You've got to please turn off

the camera.