Former Labour leader Ed Miliband investigates the rent-to-buy market. Conservatives debate who should be their next leader. And can Wales reach the Euro 2016 final?
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Hello, it's Monday, it's 9am, I'm Victoria Derbyshire.
Our top story today is more fallout from the EU referendum
- a close friend of Boris Johnson attacks Tory leadership
contender Michael Gove, saying he's unfit
And that's not all, is it, Norman Smith?
Tensions erupting in the Tory ranks as Theresa May's backers say she
will not guarantee EU migrants living in the UK the right to stay
here while Angela Eagle from the Labour Party says of Jeremy Corbyn
does not quit, she will stand. And after 10.30am this morning
a Cabinet minister and former Cabinet minister will exclusively
tell this programme who they're backing in the race to be
the next Prime Minister. Plus we'll hear from religious
leaders who're issuing a plea for unity following divisions we've
seen after the leave vote. Plus an exclusive report
from Ed Miliband, the former leader He's been investigating rent-to-own
companies for this programme. They should be a cap on the total
costs that rent-to-own companies can charge, be done with payday lenders
and it is worth it. That exclusive report
coming up shortly - And, as always, we're keen
to hear your experiences And as Wales fans tried to get
tickets to the semifinal after that magnificent performance against
Belgium and the rest of us try to find out if we have some well
shimmers, we will explore the psychology of the underdog side who
have done so brilliant. If you work hard enough and are not afraid to
dream and not afraid to fail... Welcome to the programme,
we're live until 11am. Throughout the programme we'll bring
you the latest breaking news We're expecting UKIP leader
Nigel Farage to give a speech setting out UKIP's role
in a post-Brexit Britain after 10am this morning -
we'll bring you some of it live. As always, we're really keen
for you to get in touch on all the stories we're talking
about this morning. Particularly if you want
to share your own experience of rent-to-own companies
- use #VictoriaLive. And if you text, you will be charged
at the standard network rate. George Osborne has pledged to slash
the amount of tax businesses pay in order to encourage
investment in the wake In a newspaper interview,
the Chancellor said cutting corporation tax was one of his five
priorities to show the UK Britain may have voted to leave
the EU, but the country is very much That is the message
the Chancellor wants to send to companies
that might now be having doubts
about investing in the UK George Osborne has told
the Financial Times he plans That is the rate at which companies
pay tax on their profits. It would drop from the current
20% to below 15%. That would make it the lowest
corporation tax rate Compare that, for example,
with 39% in the USA, It would even take it close
to the competitive 12.5% That is very different
from what Mr Osborne was suggesting There'll be a hole
in public finances. You've got Chancellors from two
different political parties saying that taxes will have to go up,
spending will have to be cut. That is the reality
of quitting the EU. That talk of imposing ?30 billion
in tax rises and spending cuts has now gone, replaced by an attempt
to woo business and keep Boris Johnson has accused
the Government of failing to explain how the vote to leave the EU can be
made to work in the UK's interests. In a column in The Daily Telegraph,
the former Leave campaigner says "hysteria" is sweeping parts
of the population who wanted He argues that they need
more reassurance. Our political Guru Norman Smith
is in Westminster. The Tory infighting continues. That
is a mild way of putting it! I have never seen anything like this, this
is fear and loathing on stilts. This morning we get a Boris Johnson
backlash, he wading into David Cameron for, in his view, not doing
enough to reassure people over Brexit saying they are encountering
the sort of atmosphere we saw in the aftermath of the death of Lady Diana
even more, his campaign manager, the person who was meant to be running
his leadership campaign, Ben Wallace, has launched an
extraordinary attack on Michael Gove, saying, in effect, Michael
Gove is a gossip, he's fond of a drink and he cannot be trusted. You
would not want to entrust him with the secrets of the nation. Utterly
extraordinary. At the same time as this blood over the stage, we have
serious divisions merging between the rival candidates, particularly
over that fraught issue of immigration. What has emerged is a
Theresa May, the frontrunner, is in the market to do some sort of deal
over freedom of movement which those who favoured Brexit, they thought we
had to stop this and Theresa May thinks we have to do a deal on this
so that companies can still get access to the single market and the
biggest bust up will emerge after one of her supporters, Philip
Hammond, suggested that it would be absurd to guarantee that EU migrants
currently living and working in the UK should definitely be allowed to
stay. He is putting up big question over whether EU migrants working
here, doctors, nurses, care workers, whether they will automatically have
the right to stay. That will provoke huge controversy. Already Michael
Gove's team say we will guarantee that and Yvette Cooper has written
to the Prime Minister demanding he issues a statement on this
guaranteeing the rights of EU migrants, saying this is a hugely
inflammatory intervention. We will talk to the former Labour leader Ed
Miliband about that because he has a point of view on whether EU citizens
should be guaranteed that right. I also want to ask about the current
Labour leader. The current Chancellor, remember him? The big
announcement from George Osborne, it is a tiny reminder that there is
some governing still going on despite the Conservative infighting?
That is interesting because you sense the Chancellor house to rip up
his game plan post election. You will remember that after the Tory
election victory, we were told that the aim was to get the books
balanced by the end of the Parliament, that has been torn up
and put in the den and be not find that corporation tax will have to be
racks dine to 15%. That is a massive cut the Chancellor feels that is
necessary to try to give businesses some sort of confidence and sense
that Britain is still a place where they should invest and do business.
Amid mounting concerns that many investors are thinking they will not
do anything because we have no idea what is going to happen in Britain
in terms of whether it will get access to the single market. It
underlines the really deep unease over what is going to happen to the
economy. And in terms of the Labour Party, Jeremy Corbyn is still leader
and his former shadow business Minister, Angela Eagle, says she
will still stand against him but not yet? We are in this weird Mexican
stand-off, they are like gunslingers ready to go. There is the suggestion
this morning that the unions could intervene as try to broker some sort
of peace deal. They would go off to the bar and live happily ever after.
I cannot see that happening because Angela Eagle this morning was pretty
clear that if Jeremy Corbyn does not walk away, she will stand. Listen...
He is not properly engaged with even the Deputy Leader of the party, who
was elected with a mandate. It is time that he did so. How many
people? MPs and party members, are asking me to resolve this. And I
will have something is not done soon. Are you still prepared to run
against him? I have the support to run and resolve this and I will do
so if Jeremy does not take action soon. That is all I have to say.
Talking to the critics of Mr Corbyn, what are you doing? Willie Rennie
stand? They seem to want to wait until the Chilcott report is
published on Wednesday because that is a huge moment but after that, the
game is on. Showdown still looming in the ranks of the Labour Party.
Thank you very much. And we will talk to Ed Miliband about the
fallout from the EU vote and the current state of the Labour Party
and about rent-to-own companies. His exclusive film is coming up.
A legal challenge has been brought to ensure the government follows
lawful procedure when leaving the European Union.
A group of academics and business people is trying to force
the government to pass an Act of Parliament before it
They want assurances that Britain will not use executive powers
to start the process of leaving the EU.
Joanna is in the BBC Newsroom with a summary
The Iraqi government has declared three days of national
mourning after the weekend's deadly bomb attack.
Officials say 106 65 people were killed and more than 200 injured
after a lorry packed with excuses was blown up in a busy shopping
area. The so-called Islamic State says it
carried out the attack. Our Middle East editor Jeremy Bowen
reports from Baghdad. The bombs and the fires
consumed so many lives. It is supposed to be
a sacred and festive season, the last few days of
the holy month of Ramadan. This was the so-called
Islamic State's latest gift He says that Iraqis are like sheep
among wolves, everyone is coming We don't, we don't have any
security, any real security in Iraq. Yes, we have a lot of police,
we have a lot of army, Islamic State, Sunni extremists,
said they were targeting Shia A main reason why IS attacked
was the defeat they have just It means they have lost
a stronghold less than an hour's All the destruction and killing add
up to a clear message from the jihadists of
so-called Islamic State. That they may be defeated
on the battlefield, but they are still able to hit back
where it hurts most, by killing civilians in the heart
of this capital city, The Former Labour Leader Ed Miliband
has carried out an investigation for this programme into rent-to-own
companies, which allow shoppers to pay for items like TVs,
fridges and washing machines In many cases, Mr Miliband found
consumers can end up paying up to three times more for the product
than the original price. He also found some companies
are selling these goods to vulnerable people with learning
difficulties who may not understand Brighthouse, the biggest company,
says rent-to-own is a different proposition to other forms of retail
and they undertake extensive affordability assessments before
lending. We will have more on that investigation throughout the
programme. The father of a British boy killed
by an alligator at Disney World in Florida last month,
has said that two alligators Matt Graves, whose son, Lane,
was seized by an alligator while he was paddling in shallow
water, said he was attacked by the second animal as he tried
to save his son. Five alligators were killed
on the day after the attack Most unpaid carers are still not
receiving the support they are entitled to,
a year after new rules came into force to improve
their health and wellbeing. That's according to research
from The Carers Trust. Since last April, councils have
been required to provide assessments and support
to protect carers' wellbeing. But a review by the former
Care Minister Paul Burstow found 65% He says government, councils
and the NHS must do more I'm very frustrated that after the
first 12 months, it would appear that councils are not following the
letter of the law and they're offering a one-off payment in many
cases which is fobbing off carers. And they are certainly not doing
enough to raise the awareness of carers that this is something they
have as a right and they should be taking advantage of it because in
the end, carers are saving councils are forging. -- a fortune.
A Nasa spacecraft is about to arrive at the largest planet
in the solar system - Jupiter.
The probe was launched in 2011 and has travelled
Entering into orbit will be fraught with dangers,
but if the spacecraft succeeds, it will give us our best
That's a summary of the latest BBC News - more at 9.30am.
The normally bring new sport right now but there has been a mix-up with
the rudder. We are looking for a sports presenter! We will talk about
Wales with some real Welsh people and people who are hoping to find
some Welsh somewhere in their heritage! First...
First this morning, an exclusive report by the former
Labour leader Ed Miliband, who investigates the rent-to-own
Rent-to-own companies allow shoppers to pay for items like TVs,
games consoles, fridges and washing machines in weekly instalments,
But consumers can end up paying up to three times more for the product
and we've discovered that some companies are selling these goods
to vulnerable people with mental health problems and learning
difficulties leading to concerns that they may not understand
The Citizens Advice Bureau tells us it receives thousands of complaints
a month about the sector and the regulator must do more
In this exclusive report, Ed Miliband tells us he wants
rent-to-own companies to be regulated like payday loan firms,
which since 2015 have had to cap the interest,
The former Labour leader has campaigned against rent-to-own
firms, and he's tried to persuade people to use credit unions instead.
against and he's tried to persuade people to use
The biggest company in the rent-to-own sector
We asked them to take part in our report -
With so much choice on the High Street, we are told
But around five million people in the UK can't get credit.
Lots of people can't borrow money to buy household goods like a TV
or cooker and I'm seeing more and more people turning
to rent-to-own shops like Perfect Home or BrightHouse,
People can get a TV on the spot and pay for it by weekly
instalments, but it can be incredibly expensive.
My constituents have told me they can end up paying
If they miss a payment or are late, the costs spiral, or worse
they lose their TV along with their money.
As leader of the Labour Party and now as a backbench MP,
I've talked about the need for firms to do right by their
BrightHouse have 300 stores across the country, often
One of them is in Doncaster, in my constituency,
and I want to find out what kind of service
I'm concerned that BrightHouse are taking advantage of people
on benefits and working on low incomes.
And in the course of our investigation I have been
that BrightHouse are selling to people with mental health
He suffers with mental health problems, severe mental
Craig is 38, and has autism and cerebral palsy.
His mum Betty says her son didn't understand the BrightHouse contract.
He'll pay but then he has got nothing for himself for food,
Just tell us a bit about what experience
Craig apparently had been in and bought this
I kept seeing it in the house and I didn't really twig.
Then I said how much are you paying for that?
How many times have I said don't touch them with a barge pole?
Do you think it would have been obvious to the BrightHouse staff
that Craig had learning difficulties?
And what was the reaction of BrightHouse when you
complained in the shop and when you wrote to them?
Well, the man in the shop said we go through this thing to make sure
Although Betty believes BrightHouse should have realised her son
was vulnerable, she does say they stopped taking payments
from Craig's account as soon as she told them about his situation
BrightHouse dispute Betty's claims that it would have been obvious that
Craig had learning difficulties as a member of staff
judged Craig to be capable of making his own decisions and had
no reason to believe he wasn't aware of what he was doing.
The Financial Conduct Authority, the body that regulates
If companies have reason to believe that the customer has
a learning disability, they must take reasonable steps
to assist the customer to make an informed decision.
If they believe the customer isn't able to understand the nature
of the agreement then the firm is to make an assessment
of whether it is appropriate to lend.
But I don't think that is clear enough and the guidelines
Paul, not his real name, is another vulnerable adult.
He has learning difficulties and mental health problems.
You've told me that you have some mental health issues and issues
like epilepsy and you describe yourself as quite vulnerable.
Do you want to tell me what you are owing
to them and what goods you've got with them?
How have you ended up with that number of items, do you think?
I think I must have started paying off one.
When you go into the BrightHouse store, what have you said to them
about your own finances and what have they said to you?
This thing is a nice thing and I say, well,
it is but I have got other things to pay.
You can have what you want out of the stores.
Does the whole situation with BrightHouse cause you anxiety?
BrightHouse denies exploiting consumers in vulnerable
circumstances or selling items to people who cannot afford them
and says they have sufficient policies and procedures
in place to prevent these practices from happening.
I think it was a ?300 laptop. We have done.
When you bought it, was that clear to you that
It's all in the small print and stuff.
What kinds of things do you buy from them?
How long have you been a customer for?
If you can't pay, they will help you to sort out your difficulties.
The weekly payments at BrightHouse might seem cheap.
But add in compulsory 5-star service, including delivery
and installation at ?55, and Service Plus, repair
or replacement of your item, which costs ?136, on top of that
interest rates of 69.9% a year and payments spread over three
years, you end up paying a grand total of ?1,092.
This is the first item I got off BrightHouse.
It has got some screws under here that have come loose.
On here there should be another screw.
BrightHouse say they carry out affordability checks to make
sure people can keep up with the weekly repayments.
Angela Jackson says BrightHouse should carry out much more
She has a fridge freezer and a TV stand and has
And how much are you paying for this in total?
Basically if the kid chips it or anything like that.
So nobody went through your finances and said is it affordable?
They just said basically that I could.
They have to know what money I had got.
They didn't go through what I have to pay out, the bill
situation and the children or anything like that.
They just said, "Right, you can have such and such."
I can have anything I want out of the shop.
"Angela, if you introduce somebody, you could get this.
We will take money off your bill, ?50."
Get my bill down a little bit because it's high,
Because it's dear and people who haven't got the money
to just go and do it, they think they can
Just a little bit more expensive and it's there.
Well, she has ended up skinting herself.
She ended up without gas and electric.
Walk on by, that is what I would say.
When I walk in, I am literally a minute.
I just give them my money, my name and address and I go before
anyone comes and badgers me to see if I want anything.
I'm interested in what it looks like on the other side
Zoe left her sales job at BrightHouse after five years
From a personal point of view, you could obviously see that
somebody couldn't afford the items that they wanted.
But if the computer allowed them to add that on to their account,
Do you think it was clear to customers that in relation
to the service agreement, they knew what they were buying?
I think because of the information that's given to a new customer
joining BrightHouse, the amount that was read out to them,
I think it was too much and they didn't quite understand
So did you have experience of selling to people
who had been sold goods and then fell behind and couldn't
People will see something for a small amount each week
and that is the figure they will look at.
In reality the amount they are paying back and the length
of time it would take to pay it back was different.
People would say maybe that is only ?5 per week, I can afford that.
Before they know it they are paying ?100 per week, they are a single
parent with children and it is unaffordable.
Morally I felt as though it was wrong.
I had a few people who were behind on things and got themselves
And did you have experience of people having goods that were faulty
I have had experience of goods going away for repair
and coming back not repaired with the same faults
still or an extra fault or broken or damaged or even lost.
Some customers would have their items sent away
for repair and they would get lost and they would have
As part of their 5-star service, BrightHouse says it offers unlimited
repairs, loan products when required and replacements.
I wanted to speak to BrightHouse, but they declined to be interviewed.
So did the Consumer Credit Trade Association and the Finance
and Leasing Association, the industry bodies
But there are those that make the case that there is a gap
in the market and Perfect Home, BrightHouse and others provide
The fundamental question is whether or not we think these
people should be able to opt into a contract where they pay more
overall, but they have the appliances tomorrow,
or whether or not they shouldn't have these
It's an injustice to tell people that because they are poor
they can't have things that in 2016 we would consider necessities.
Some of these companies are making very big profits at the expense
They're making huge profits because they are taking
We see this with credit card companies as well.
They're making marginal profits because they are loaning out
to people with average credit scores.
These rent-to-own companies are often taking on people
They don't always know if they are going to get their payments.
They are taking on a lot of risk there.
They're getting these profits because they have to ensure down
the line that they are going to get some kind of return.
But in the meantime people who wouldn't have these goods
are getting them to their homes next day delivery.
The regulator, the Financial Conduct Authority, says companies must
provide clear information to their customers and ensure fairness.
I don't believe that's happening for many people
And Citizens Advice agree that there are real problems
They would like the regulator, the FCA, to do more to make sure
We're not suggesting that the whole market should be taken off the face
We do see people in vulnerable situations pushed into further
difficulties, financial difficulty, and then of course emotional stress
and worry due to the nature of the debt that they have taken on.
People who are disabled or with health conditions,
and of course people with mental health conditions as well.
Too often we think that the hire purchase firms offer them very
little in terms of protection, don't do decent enough
affordability checks, and therefore they get themselves
From what I have seen, too often rent-to-own companies
are taking advantage of people who have nowhere else to go.
The regulator needs to stop the most vulnerable in our society
Rent-to-own companies should stop selling goods to people who just
And I think there should be a cap on the total cost that rent-to-own
We have done it with the payday lenders like Wonga
As you'd expect, we asked BrightHouse for an interview
today; they declined - and instead gave us this
statement which says, "We note that this feature
is presented by an avowed critic, who consistently
BrightHouse serves those lower-income families who are
Rent-to-own is a very different proposition
We'll talk to the former Labour leader in the next hour.
Thank you for getting in touch. David on Facebook says, we need
government to stay out of these areas, the free market will
determine the price and not politicians. Philip says, this is an
issue that needs to be looked at, well done. Alan on Facebook Daesh
why did Mr Miliband not do this when he had the chance to do so? Simon
says, Rent to Own is called free trade, improve education if people
cannot cope. Stephen says this is the first time I have looked at Ed
Miliband and thought, good man! As diverse as the treatment of
vulnerable people in the UK is a national disgrace and shames
Britain. I am fed up with the week being targeted. Douglas says on
e-mail, why are you not mentioning credit unions? Largely run by
volunteers, who provide a worthwhile service by offering affordable loans
as well as encouraging saving? And one other viewers says, Ed Miliband
has a new calling- you will next be presenting Watchdog! Please continue
to get in touch. You can contact us
in the normal ways. Still to come: Boris Johnson today
calls it "hysteria" - the state of the country amongst
some of the population With divisions across the country,
in families, in workplaces. We talk to three faith leaders
who are going to try and deliver some soothing words to bring
the country together again. And are you one of those desperately
trying to find a bit of Welsh in you ahead of Wales' semi-final
against Portugal in the Euros? We'll talk about how Wales overcame
Belgium on Friday night and talk Here's Joanna in the BBC Newsroom
with a summary of today's news. George Osborne has pledged to slash
the amount of tax businesses pay in order to encourage investment
in the wake of the EU In a newspaper interview,
the Chancellor said cutting corporation tax was one of his five
priorities to show the UK He also pledged to maintain
the so-called Northern Powerhouse investment project despite
the Brexit vote. Boris Johnson has accused
the Government of failing to explain how the vote to leave the EU can be
made to work in the UK's interests. In a column in The Daily Telegraph,
the former Leave campaigner says "hysteria" is sweeping parts
of the population who wanted He argues that they need more
reassurance. The former Shadow Business
Secretary, Angela Eagle, has said she'll step in to resolve
the leadership crisis in the Labour Party if Jeremy Corbyn
doesn't step down soon. But, speaking to reporters
outside her house this morning, she accused Mr Corbyn of not
being "properly engaged" with the party's deputy
leader, Tom Watson. He is not properly engaged with even
the Deputy Leader of the party, How many people, MPs and party
members, are asking me And I will if something
is not done soon. Are you still prepared
to run against him? I have the support to run
and resolve this and I will do so if Jeremy does not
take action soon. The Iraqi government has declared
three days of mourning after a bomb in Baghdad killed at least 106 to
five people and wounded about 130. A lorry packed with excuses was
detonated in the capital of families were shopping for the holiday
marking the end of Ramadan. So-called Islamic State says it
carried out the attack. That is the latest news, back at ten o'clock.
And we shall also bring you the support them. This e-mail is to do
with BrightHouse, the firm at Ed Miliband was investigating, I have
been using BrightHouse through number of years and have always set
my own budgets and they have always been helpful and make sure you can
afford them. I personally find them good for me, my contracts are nearly
completed. My contracts make sense and my payments are nearly competed.
Peacekeepers coming in. -- please keep those.
After the murder of Labour MP Jo Cox a week before the referendum,
MPs from all sides called for a new type of politics -
one with less anger and heat, one which tolerates a little more
These are some of the comments we've seen from politicians on social
Last week Conservative MP Nadine Dorries struggled to fight
back her tears as Boris Johnson announced he was backing out
of the Tory leadership race after Michael Gove decided
to withdraw support from Mr Johnson and put himself forward.
She is obviously very angry with Michael Gove. She says...
Michael Gove is a Game of Thrones fan.
In this stinging attack on Twitter Ben Wallace MP,
Boris Johnson's former campaign manager, compared
the Justice Secretary to the character Theon Greyjoy,
who betrayed his adopted family for personal gain and
Threatening to castrate Michael Gove. And that is obviously what
people wanted to take from that. -- what he wanted people.
Ben Wallace has also written in the Telegraph this morning saying
Mr Gove is unfit to be PM - he'd be a security risk
because he has an "emotional need to gossip".
The Conservative MP for Rossendale and Darwen Jake Berry also took
to Twitter declaring that there is a deep pit in hell
MPs of other parties have also vented their frustrations
The Liberal Democrat leader Tim Farron referred to the privileged
Oxford Bullingdon Club, infamous for its wealthy members
and trashing of restaurants, when he posted this about Boris
And the Labour MP for Rhondda, Chris Bryant, said Michael Gove's
pitch was the extraordinary bundle of Uriah-Heep-style self conceit
And another Labour MP, David Lammy, had his own observations
on the turmoil in the Tory Party: Two frivolous Etonians
tear the country apart in their own personality feud
Then the winner walks away within a week.
And it's not just MPs who're being vicious.
The referendum result has obviously led to some very happy Leave voters
It's also seen the UK divided on lines of geography,
Families rowing and an increase in racist and xenophobic abuse.
Over the last few days, you may have heard a lot
about a divided Britain, a disunited kingdom, following the
results of the referendum, which showed clear divisions over the
London versus the rest of England, Scotland versus England and
Establishment versus working classes.
A lot of people kicked against the establishment in this
They feel that we only look after ourselves and now look what we
We are not looking after the interests of the nation, we are
just looking after ourselves and what our next job will be.
That one question of whether to leave or remain in the EU
has also caused deep divisions within many families.
We are being respectful of each other's opinions
but I strongly feel the best thing for us
and the younger generation is
Do you respect your mum's vote to leave first of all?
Michael Gove, the Justice Secretary, is
throwing his hat into the ring to be Tory leader.
He had been expected to
back Boris Johnson, the former Mayor of London.
Now he says his fellow Leave campaigner isn't up to the job.
This is Michael Gove plunging a dagger into the back, front, side,
He is at war with his own MPs and it is a war he means to win.
More Shadow Cabinet ministers walked out than stayed
Some say this war could break Labour for good.
I feel I have served in the best way I can and
An 11-year-old boy who found a message of hate.
This is one of the cards that Mattias found
on his way to school on
Friday, just hours after the referendum result was declared.
Graffiti on the Polish cultural centre in London is another example
of the hate many Poles predicted the referendum would bring.
Our guest says she has been abused three times
There were guys yelling abuse at me to get out of
the country from the other side of the platform.
It was a packed platform and nobody said anything.
The senior politicians in the Leave campaign now,
what are they going to do to rein this in?
So that's the division and this morning religious leaders
are joining together on this programme to call for unity
and tolerance in the wake of the EU referendum result.
We can speak now to Rabbi Danny Rich, the Chief Executive
of Liberal Judaism, Imam Qari Muhammad Asim,
who joins us from Leeds, and Dr Graham Tomlin,
who's the Bishop of Kensington in London.
I want to ask all of you individually, how do you assess the
level of division in the UK right now? There certainly is division, I
would use the language of uncertainty, there is a great eve of
uncertainty as to what the future will be like for lots of people.
Wondering what our future coming out of the European Union will be like
and for people who have come here from overseas, wondering if there is
still a place where they still feel welcome? Can they still make a home
here? There is division and uncertainty and a lot of fear. Rabbi
Rich, how do you assess this? There has always been division and the
referendum has allowed people to say things that had become unspeakable
and we are hearing reports across the country of people being abused
in the streets because they look different or appear to be European,
despite the fact they may be British, and comments like go back
home and we are out to get you, never mind the more extreme acts. It
is quite worrying and it is the task of legislators, because nobody else
seems to be able to do it, to bring the community together and remember
what we have in common and the values we need to share. How would
you assess the levels of division? I think that the post-Brexit vote has
given you find confidence to far right extremists who have always
held these years and what is different this time is up in the
past might have been attacks on particular community whereas if you
look different now, if you speak a different language or have a
different accent, you could potentially be under attack and that
is what is happening around the country. There was also division
within families and within churches, synagogues and mosques, workplaces,
schools, isn't there? There is. You can draw a line through all sorts of
communities. In my part of West London there is quite a bit of
division around this issue and it seems to me that this is precisely
the time when we need to come together to say that we are one
country, a country that has always been very welcoming to all sorts of
people from around the world, one of the wealthier and more stable
countries. That is our vocation to do that but we cannot get too hung
up about division, we must think about how to rebuild the sense of
unity and the sense that this country is a welcoming place to
live. Rabbi Rich, to pick up on that, there are many things we have
in common, despite the fact that we might have differences over how
people voted in this referendum vote? Yes, we have the thing, what
are our values? They will have to be protected. Even though some people
might attempt to punish people who they think voted the wrong way, that
is not how a value led society works, it works on protecting the
vulnerable and making people welcome, whether you are here or
might come here and reflecting on our national and international
responsible it is. We will not heal with the problem of millions of
people moving and becoming refugees of the global climate challenge, if
that is what needs to be dealt with, on our own. I think that patriotism
is laudable, selfish nationalism is not so notable. Who is responsible
for these divisions? Unfortunately, the language, rhetoric and
underpinning material used by parts of the Leave campaign has given new
found confidence to far right extremists and helps to legitimise
some of their concerns that they might have expressed in close
quarters before. Whatever happens, we are trying to rebuild Britain and
that should be built on the basis of tolerance and the values that we
always share together in this country. And initiatives like more
in common, there needs to be political stability, which is
lacking, and also civil society needs to come forward and say,
enough is enough. We need to move on. To rebuild Britain. That should
not be Do you acknowledge there was
intolerance shown to people who voted to Leave. Some have been
called racist when they are not. People have voted to leave for a
variety of reasons and not every single person who voted to leave is
a racist or bigoted, but the dominant campaign has, was
intolerant towards minority communities, intolerant towards
Muslims, intolerant towards migrants and all of that has given new-found
confidence to people who have always held these views against minorities.
I have not really seen anything from the pro-leave campaign which is
robust enough to actually calm the divisions down in our country.
Right. So therefore, you feel it falls to Faith Leaders. Is your
voice heard? Is your voice, do people listen to you? I think what's
really important is what's happening at grass-roots. One of my churches
in my area which is near the Polish centre which had graffiti plastered
over it. They got a card and the congregation to sign the card and
they will be delivering that today as a gesture of solidarity to Polish
people in that part of London. I was in a school last week, a church
school in my area which is around 83% non-white, but is a remarkable
example of racial harmony and really of very good achieving school. So it
seems to me, it is partly us saying that, if you like, as religious
leaders, but it is on the roots, encouraging people to reach out to
their neighbours and make the effort to go across the road and say, "We
value your presence here." Which is what churches and synagogues and
mosques are doing elsewhere in the country. Do you believe we still do
have a well of sievity in this country or just perhaps miss placed
it? Undoubtedly. Many of the persons who claim to be fearful of
immigrants don't have many of them in the area. And what's very
interesting is that, it is our task on a local level to make people
people feel they are not abandoned, whether they be from other
minorities, other European countries, we are trying to reassure
some of our European members that they're not unwelcomed. We just had
our by annum and a number of fement living in particular areas where
they voted Leave felt they weren't welcome. A German said, "I'm going
back." What did you say to that person? I tried to reassure them.
Even people who voted Leave, may not have voted because they hate Germans
or they don't like the German people. They voted either out of
protest or alienation about their own situation or some of them may
have voted because the EU is not a perfect institution by any means at
all. But our task locally is to build those links because that's
really where it matters and nationally to change the tone of
debate about Europe and many other matters in this society. Thank you
very much all of you. Thank you for coming on the programme. Thank you.
Some messages on social media from you. This is about the rent-to-own
sector, the rent-to-own companies, the former Labour leader, Ed
Miliband, presented a report earlier highlighting his concerns that
perhaps vulnerable people, with mental health problems, or learning
difficulties, were signing contracts for goods from rent-to-own firms
that they didn't really understand. This tweet from Dave, "Well done for
highlighting this." Julia tweets, "Well done, that was an important
subject excellently presented." Catherine texted, "It is sad that
companies shop at companies like BrightHouse. People who are poor
can't afford to save for a rainy day fund. They can't get a loan and
afford to buy new and charity shops are too expensive. John says, "I
applaud Ed Miliband for his efforts to better regulate rent-to-own
company. I question the success against companies like Wonga. How is
this a success?" Damon, "Great stuff from Ed. His argument for a cap is
compelling." Another viewer tweeted, "BrightHouse and companies like them
should have more regulation." Jessica says, "I'm 24 and I have
bipolar. Rent-to-own cost me my job and my health. My bill is ?68 per
week and no helps you if you can't afford her payments. There is a
charge per item if you're late with your weekly payment. They are
awful." More on that after 10am. BrightHouse say rent-to-own is
different to other forms of retail and they undertake extensive
affordability assessments. If you want to share the full film by Ed
Miliband, former Labour leader, you can find it on our programme page.
We will talk to him live after 10am this morning.
We'll be joined by senior Tories, one in the Cabinet,
another a former minister, who will tell us, exclusively
who they're backing as the next Conservative leader.
So Wales are now just one game away from reaching the Euro 2016 final.
The captain heads home the equaliser.
Something special is happening here tonight.
Wales are going into the semifinals.
If you work hard enough and you are not afraid to dream
I have had more failures than I have had success
We are enjoying this win and I think we deserve it.
It's 58 years since Wales last qualified for a football tournament
and on Wednesday, they face Portugal in the semi-finals.
This from a team which was ranked 112 in the world.
Manager Chris Coleman says they thrive on being the underdogs,
and as you heard him just say - they're not afraid of failure.
So how have Wales managed to do so well?
Matthew Syed is a sports journalist and author
who has spent a lot of time looking at the pyschology of sport.
Let's start with that post-match interview that Chris Coleman gave.
What did you make of it first of all? Well, I loved it. I just want
to point out I'm half Welsh! Good for you. I feel very strongly about
that at the moment. It was a really significant interview because he
said, "I've failed. I made mistakes but I've learned. Now I don't fail
failure." You look at England football team and it is almost as if
in their minds when they're playing they're thinking what if I misdirect
the pass, am I going to be the one that's scapegoated. That narrows
their creativity. They can't come up with adventurous football. It oozed
out of them. What Wales have got and Coleman described it brilliantly in
the post-match interview is they are looking at the possibilities rather
than the potential down sides. They are not afraid of doing interesting
things. Robson Karen u, can you imagine an England player doing that
in the box? Maybe in the Premier League. Maybe in the Premier League,
but not for the country, that's the thing. How do you get to a point in
your mind where you are not afraid to fail? It is easy to say, isn't
it? It is easy to say and there is a lot of evidence on this and
interesting evidence. It is to do with the way you frame failure, how
you think about it, do you see it as an indictment of who are, do you see
it as a reason to give up, do you see it as something that's
profoundly negative or a risk worth taking sth something that you could
learn from? Something that would lead to fantastic possibilities.
Just a redefinition of failure changes the interpretational
process. OK. A really good example is Beckham. He failed in a really
graphic way if you might rewining to 1998, you remember when he got sent
off. I thought somewhat unfairly, but we've understood why it
happened. The nexts season, he was vilified and turned into a dartboard
and he was booed, he had his best season ever. He won the treble for
Manchester United, he was Fifa player of the world, voted second
and I asked him how did that happen? He said, "I didn't think of that
failure as a reason to give up. I saw it as a great learning
opportunity. You don't kick out at somebody. Think of our children,
they don't like to ask questions in case they get it wrong. We're
crippled by a fear of looking less good than we want to look and that
stops us from growing and adapting and becoming the people we can
become. Pm Let's talk to some Wash fans. How
are you? Very good, thank you. You must still be on a high after Friday
night? Yeah. It has been good. Definitely. We travelled over to
legal and came back the same night, but I can't remember too much of the
journey back to be honest! Let's introduce Thomas Edwards and Cassey
Taylor. How are you? Good morning. I think Thomas and Cassey you booked a
holiday to Nice which is where you are now, thinking Wales would never
make it this far! Yeah, that's right. We booked it six
months ago not thinking that Wales would be still playing in the
tournament so now we've got to drive to Lyon on Wednesday afternoon and
try and find some match tickets hopefully. That might be tough to
get hold of a match ticket, even if you're in the area, you can unite
with other Wales fans, can't you? We thought we couldn't be so close and
not go up. That's our plan really. To get involved in the atmosphere.
Gerald and Luke, how have Wales managed to get this far? I think it
is about, probably about the system and our team spirit probably. They
played together. They worked hard for each other and yeah, they've
done really well. Thomas, what's your assessment of how they've got
this far? I think it is the passion and the work ethic and like Luke
said the team spirit of the players. I have not seen team spirit in any
other team like that ever before. You look at other teams in the
tournament, Portugal, Spain, Germany, I don't think anyone has
got the same team spirit we had. I think that's what carried us this
far. Case, what's your view? I think it is the fans. We were in the fan
zone on Friday and everyone was so excited, I never saw anything like
it. Wales won four out of five games and Portugal failed to win in 90
minutes, what do you read into that in terms of Wednesday night? Well, I
really fancy us. What we saw in the second half against Belgium was that
the Belgium team, as good as they were, were playing as individuals
and Portugal have a tendency to do the same. They are not as
disciplined and I think that will play to our strengths really. I'm
confident. OK, what about you Luke? Yeah, I feel the same. I feel Ramsay
is a big loss and Ben Davis, but Johnny Williams can come in and he
has done well and Connor is decent, if they played like they have
throughout the tournament, they'll do well. Thank you very much for
talking to us. Thomas and Cassey I hope you get tickets of the Matthew,
what are you expecting? Rnlts I think it is 50/50. For me, more than
anything else, this is a triumph of the team over the individual. It is
like the Leicester store European Commission the players weren't the
best in the world, but when you have that spirit, it is amazing what can
be achieved. They have worked for each other and they've done runs for
each other and you can see how this is creating the old cliche, the team
is more than some of the parts. Rob e-mailed, "I see people making links
to Welsh roots. I have a leak in my kitchen. I have a crush on Catherine
Jenkins, surely this counts! ". Coming up, we'll be hearing
from Nigel Farage who is giving a speech setting out what Ukip
intends to do next after He is due to speak pretty soon
actually. So we'll bring you some of that speech as soon as he begins
talking. Let's get the latest
weather update with Ben. In some parts there is fine and dry
weather to come. The further north and west you are, we will see spells
of rain at times. So let's take a look at detail and as I've mentioned
to sum things up, the further south and east you are, things look dry.
There will be sunshine in the sunshine and things will feel warm,
but further north and west, yes, we will see some brispells, but -- dry
spells. We have rain moving across into Scotland and parts of North
Wales as we go on through the day. For the far north of Scotland, it is
a mixture of sunshine and showers. To the south, a lot of dry weather,
a fair amount of cloud, but some brightness. And it will feel humid
with highs of 22 or 23 Celsius. This evening and tonight, cloudy
conditions for most. Some outbreaks of rain, but it will clear away and
the skies will start to clear by the end of the night. Cooler, fresher
conditions pushing in across the north-west, a cooler fresher day
tomorrow. Quite a breezy day. There will be a fair amount of sunshine
and showers across Scotland. Some showers could be on the heavy side
and temperatures ranging from 15 Celsius in the north to 21 Celsius
dm the south. That's all for now. Hello, I'm Victoria Derbyshire -
welcome to the programme. Let's go straight to Nigel Farage. I
am aware that not everybody in this country is happy, a lot of young
people happy mind up I scare stories and ivory angry and scared about the
future. It is an irony that it is the youth of the country who appear
to be worried, across the whole of the European Union it is the under
30s that are protesting on the streets against undemocratic
centralised control and, indeed, against the euro and virtually
everything that emanates from Brussels. In time, I hope that some
of these sharp divisions can be healed when people start to realise
that actually, life outside the European Union is very exciting. And
we have a much better, right future of being in charge of our own lives
and the stock markets, despite everything George Osborne told us,
have rallied strongly, the FTSE is about 14% higher bands in the
February low and there is a great number of Commonwealth countries
rushing forward in a bidding war to be the first people to sign a free
trade deal with an independent United Kingdom. What the country
needs is strongly Bishop, it needs direction, it needs not business as
usual. I'm certain of one thing - that the United Kingdom will leave
the European Union. We have won that. And in terms of Parliament and
the courts, that is a great, historic victory. What I am certain
of is what real is this government going to cut? And we need a new
Prime Minister who puts down some pretty clear red lines that were not
going to give him on issues like free movement and we need a Prime
Minister who will not sell us out to what is known as the single market
but effectively a big business protectionist cartel. We need a
vision from the new leader, a vision that shows we will engage with the
world and turn us into an enterprise economy. To do that and to achieve
that, we need a team of negotiators that include figures from across the
political spectrum which reflects that Brexit vote and, crucially, we
need some business people who know not only how the world works but
understand the importance of lobbying industry directly. We need
to be lobbying the German car industry, the French wine producers,
because next year, but France and Germany have general elections. It
is pressure on Angela Merkel, one Francois Hollande, from within those
countries, that is likely to get us the best deal. And we need to go
global and there is no reason to wait for this at all. As soon as we
get the new Prime Minister we need teams of negotiators. I am told we
don't have the skill or the confidence or the expertise, within
our own Civil Service, which I suppose is a price you pay when you
give away the ability to run your own country. That is headhunt, get
them in from Singapore and South Korea or Chile or Switzerland or any
of these countries who have managed to achieve far more in terms of
global trade deals than we have as part of the European Union. We are
not in charge of our own future. I want us to grab this opportunity
with both hands. One of the questions being asked is, what about
Ukip? What is the future after this result? We have clearly established
ourselves as a third political force in this country and this year we
need to extend that collective representation to the Welsh Assembly
and to the London Assembly. There is no doubt that without us, without
the growth in Ukip, there would not have been a referendum and there was
no doubt that when it came to the ground campaign in this referendum,
it was the People's army of Ukip who were out there delivering leaflets,
putting up the posters and doing all that work that needed desperately to
be done. And I do believe myself that it is Ukip and the Ukip
messages that inspired nonvoters to go out there and make a difference.
Without Ukip, there is no way the leave vote would have got over the
line. Ukip needs to be strong. We need to be strong and push to try to
make sure that this country gets the best possible terms. And in
electoral terms, while the party has built up a very loyal following of
people, they want to go out and vote Ukip at every given opportunity and
they see as has been the 1-party that is actually prepared to stand
up for ordinary, decent people. I feel that the deeper the crisis in
the Labour Party becomes, and there is no sign of that going away, and
the further the Parliamentary Labour Party and the Labour leadership get
away from their voters, I feel perhaps that is perhaps where our
greatest potential lies. Ukip right now is in a very solid financial
position, I do believe we need some reform of its management structures,
there is further professionalism that needs to be done, but the party
is in a pretty good place. Certainly compared to all the others. And if
we do not get, if we do not get a satisfactory Brexit deal, that,
allied to the woes of the Labour Party and that groundswell of
support that is amongst Ukip loyalists, if we don't get a good
Brexit deal that in 2020, watch this space. And the other subject of
speculation has been, what am I going to do? Well, all I can say on
this long journey is a huge thanks to everybody who has helped me, many
are in this room, and it has been a very long journey. Not at every
stage of the way an easy one. Although most of it, I have to say,
has been tremendous fun. When I think back to when I first stood for
Ukip, for anybody, in the East by-election, which took place in
1994, and I managed to scrape past screaming Lord such by a massive 164
votes, and to have gone from that to being part of a national campaign
that attracted 17.5 million votes for the Brexit, that says to me that
although it has been tough at times, it has certainly been worth it. I
came into politics from business because I believe that this nation
should be self-governing. I have never been and never wanted to be a
career politician. My aim in being in politics was to get Britain out
of the European Union, that is what we voted for in that referendum two
weeks ago and that is why I now feel that I have done my bit but I could
not possibly achieve more than we managed to get in that referendum
and so I feel it is right that I should stand aside as either of
Ukip. I will continue to support the party and support the new leader and
a double what the negotiation process in Brussels like a hawk and
perhaps comment in the European Parliament from time to time. I am
also very keen to help the independence movements springing up
in other parts of the European Union because I am certain of one thing-
we have not seen the last country that wants to leave the European
Union. It has been a huge chunk of my life doing this and it is not
easy perhaps when you feel a degree of ownership of something to let it
go. But it does come at a cost to me and perhaps to those around me.
During the referendum campaign I said I want my country back. What I
am saying today is I want my life back. And it begins right now. Thank
Nigel Farage, the former leader of Ukip, he has just said he has done
his bit, here standing down as leader, it is right to stand aside,
it sounded like it is effective from right now. And he said it is right
for a new leader to take over. I will watch like hot, he says, as the
UK gets involved in this Brexit Hoseasons and I will perhaps
comment, he says, from time to time in the European Parliament. He is
not leaving politics altogether, just as leader as -- of Ukip. He
says the main aim was to get Britain out of the EU, which he says he has
achieved and he also says if they don't get a satisfactory Brexit
deal, in 2020 watch this space. Norman Smith is at Westminster.
Nigel Farage wants his life back? He has stood down before? I think he
means at this time, it would be a bit much to quit once, go back and
then do that again. He seems to mean it. Because he believes they have
achieved their long-term ambition, what Ukip was set up for, what he
went into politics for, to get written out of the European Union.
He argues that Ukip isn't much -- is in a much better position, they
don't need to carry on, they are the third party in British politics and
let us hear what he has to say... I will not be changing my mind again,
I can promise you. You said you wanted a strong leader who could
secure a Brexit deal and a new Prime Minister, which candidate to you
feel is best for that? Is at Andrea Leadsom? I am not related to Alan
Banks! I am not in a civil partnership with him! He has
supported Ukip but many Eurosceptic causes and he is one of the great
heroes of this movement. But his picks for himself and I think we
have to have a Brexit Prime Minister. We have to have somebody
who was bold and has vision, this is a big moment in the history of this
country. There are three candidates in support of the Brexit campaign
and I am not going to down any one of them by offering their support at
this moment. But I wanted very much to be one of the three. This is not
a moment for business as usual, this is a moment for radical leadership,
for inspiration, and to take advantage of this unbelievable
global opportunity before us. But when Bennett. Are you therefore
going to lead logics? You are going to form a new party with Alan Banks
or other Eurosceptics? I've do like this chap but I get bored with these
questions. No, I have made it clear I am starting aside, I would see out
my time in the European Parliament, I will go on cold reading that group
and I will watch very carefully once Article 50 has been triggered, how
those negotiations go. And I will continue to support Ukip, a party in
a very good position, in a very sound position, one or two reforms
need making, one or two steps up, but I will go on supporting Ukip and
the leadership and let us see what happens. Honestly, if the government
does not get a good deal, if it gets in over free movement, if it
concedes over this dreadful single market, then I think Ukip's best
days have yet to come. Notwithstanding what you said about
candidates, do you see the potential for closer cooperation whenever that
goes with the Conservative Party that is led by someone that you find
acceptable overtime? Could we be moving in that direction? If there
was to be a General Election this autumn, I do not think there will
be, but if there was, my own view would be that Ukip should not be
wasting resources and talent and energy I guess people who have the
guts to stand up against their own party leaderships and fight for the
Brexit. Longer term, depending on who becomes a go, we might see a
different kind of politics and the less said the effects have been
seismic, I fully expect within the next couple of years that he will
see some different parties in British politics. You likely hood
that a wing of the Labour Party and Lib Dems get together is required
high. For all of you at Westminster, you think the last week has been
George Lucas, I expect there is more to come. -- to modules. What sort of
real do you envisage Ukip having within these negotiations? Do you
have to be part of the team? And what did you make of Philip
Hammond's few that will have to be some sort of concession free
movement? For any access to the single market?
I think it is desirable is a cross-party element to these
negotiations. Because that reflects the vote. That reflects the
cross-party nature of the Eurosceptic movement. But more
important than that is that we use people who genuinely understand how
Brussels works, and who have extensive networks and contacts.
With the German car industry, you know, with French manufacturers, or
wine producers... The idea we should approach these negotiations simply
as an elected politicians from one party meeting in corridors in
Brussels is the wrong approach. It needs more breadth, more
imagination. An absolute priority is to bring in business people. But a
desirability. And, again, a message to the country, to try and bring
people together. To make people understand this is about more than
the Conservative Party who happened to be in government, it is about our
country, choosing a new course... Look, I have no idea whether they
want ask me, or anybody else in Ukip to be a part of this. But we as a
party actually have some good knowledge how Brussels works. And we
have some pretty senior business figures amongst our supporters. As
for what deal the government cuts, Jess, I understand already we are
beginning to hear people saying that, actually, there will be
backsliding. -- yes. 17.5 million people voted very clearly for us to
be an independent nation that isn't part of the customs union called the
single market. And without the free movement of people. I suspect...
What we will do is try and keep the pressure on. But if they do give
way, then I repeat the point, that as far as Ukip is concerned, for the
2020 elections, you ain't seen nothing yet. ITV News, what will you
do next? Would you like to be part of the team that negotiates Brexit?
And, who do you think should be the next leader of Ukip, Douglas Castle
might have a good argument. That is a terribly good idea. I like that.
-- Douglas Carswell. CHUCKLES
I repeat the point that come as you know, we have the biggest allegation
of British MEPs in the European Parliament. We will necessarily be a
part of this process, whether it is formally, or informally, because
much of what is discussed will get debated and voted upon in the
European Parliament. So we will do that. If they Brexit government
wants to use Ukip foot Ukip because more, and it should think about
Labour figures, as well, that will be all for the good -- or Ukip
members. May the best man or best woman when, I say. -- win. An
interesting thing has happened since the victory. A lot of the
Conservative Party wanted Brexit have been trying to back away from
you as fast as possible. And back away from your campaign. I just
wondered how you felt about that. They say it is nothing to do with
you, nothing to do with immigration, it was about a Carswellian
sovereignty idea. Do you agree with that?
CHUCKLES As I said, I'm not a career
politician. That is how career politicians think and speak. They
think about the tribe of their party before their conscience,
constituents, or country. It is a great relief to sit here and say, I
will step aside... So what will actually happen now is in future I
will not be constrained when I answer questions like that. The real
me will now come out. CHUCKLES
They can, you know, make it up as much as they want. Look, I repeat
the point, there would not have been a referendum without Ukip, there
would not have been an effective ground game in the leave campaign
without the Ukip People's Army. Unless we take on some of those
issues that many in Westminster, or at smart dinner parties in Notting
Hill find it a bit tricky, unless we take one of those we would not have
all those nonvoters to turn out. And that is what made the difference and
got us over the line. You still have at least two years of service as an
MEP. Are you going to serve it out in full and take part in
proceedings? And during the negotiations will you try and
influence from within the parliament and the party? Yes, of course. There
will be a strong Ukip voice in that parliament during these
renegotiations. And if we see significant sliding, or weakness...
Or frankly appeasement from the British government, we will
certainly say so. Are we going to see out to mark the years? Well, I
hope the next Prime Minister is somebody who intends to roll up
their sleeves, and complete the job, well within two years, and then we
will be like the turkeys who voted for Christmas. -- otherwise we will
be like. Do you think the tone you took in the European Parliament last
week was a kid negotiating tactic which will help us get the best deal
for the UK? -- good negotiating tactic. I got up to speed after what
was, without doubt, the worst event ever in the history of the European
union project. I was so howled down, and shouted down, that twice Martin
Schulz sprang to my defence. I've never seen this happen before with
him. But it was quite extraordinary. It showed the fact that they are
simply not prepared to listen. They will continue with their political
projects, which is why it is doomed. In the face of many catcalls and a
huge amount of abuse, they got just a tiny piece of my mind back. And,
actually, how we should negotiate? Well, all I will say is that if we
start to be weak, if we start to concede in these negotiations, we
will get a rotten deal. We need a Prime Minister that recognises that,
actually, we have got the trump cards, and we have got the trump
cards because we buy a lot more from them than they do from us. The
opportunity for Brexit actually comes before the general elections
-- the German elections and the French elections. We need to stand
up for ourselves. Some of these arguments, that we cannot get access
to the single market unless we are members of that single market...
Just looking at the figures yesterday, something like nearly 1.5
euros trillion worth of goods were sold into the Eurozone last year by
countries who don't even have a trade deal. Let's recognise the
strength of our negotiating position. Andrew Sinclair, if we are
now going to hear from the real you, can I ask you, what have you made of
the various attempts to try to answer each year in the past, and
will you now bury the hatchet with Douglas Carswell? I will bury the
hatchet with anybody. Look... When you lead a political party, and I
have been doing this for quite a while, you make decisions along the
way not everybody is happy with. Your style will not suit everybody.
I have no desire to do anything other than to fully support the aims
of Ukip and the next leader. And as I work with the person making all of
the decisions, that may involve falling out with people, as well.
INAUDIBLE It may well be, get down to the
bookies, but I would not put too much on it myself. Daily Mirror,
what conversations have you had with either Andrea Leadsom or Aaron Banks
about the Tory leadership? And are you putting yourself forward to be a
member of the team negotiating Brexit in Brussels? I'm not putting
myself forward. I did spend 20 years in business. I've spent a lot of
time in Brussels. I may have something to give if they want it,
if they don't, then that is fine. As for who I am speaking to... I speak
to Aaron Banks regularly, but I repeat the point, I don't do
everything he suggests. STUDIO: Ukip are also looking for a
new leader this morning, alongside the Conservative Party, so here are
some messages. This is what you are saying about this breaking news.
Everything how UK politicians should be saying instead of infighting and
pushing personal agenda, says one person. Paul says, how long is he
resigning for this time? Audrey says Nigel Farage is shouted down for
talking about the issues which are real men this country. Love him or
hate him, he tackles subjects most people don't wish to engage with. --
which are real in this country. Nigel Sears, don't go, Nigel, we
need you! And another tweaked, this is a resignation speech, Carswell
has ousted him. -- Nigel says. No love lost between them. Carswell
Has just tweeted a smiley face, and that is all. The two are daggers
drawn. There has been a rift between them for some time. Interesting that
Nigel Farage said we are the turkeys who voted for Christmas. I wonder
if, at the end of the day, he has concluded he cannot do anything more
with Ukip. They've gone as far as they could go. They have the Brexit
referendum they wanted. Where do they go now? What is the point of
Ukip now? If there is backsliding over the negotiations he says he
will look out. Ukip will still be a force, etc. But he has been at this
for a long time. He may feel he has gone as far as he can go. But isn't
it amazing, in the wake of this EU referendum, everything has changed?
David Cameron, George Osborne, pretty much finished. Boris Johnson,
finished. Michael Gove finished. Jeremy Corbyn clinging on. One of
the key fixtures of our political landscape just seem to be
disappearing. And all because of this huge force unleashed by the EU
referendum. Nigel Farage said he would stay on as an MEP for two
years, but I suspect this time he will walk. I don't think he will
think I want to come back. I got the sense he feels he has gone now
pretty much as far as he can go. What is interesting is he is such a
divisive figure, frankly, you talk to people in the Leave campaign and
they were desperate to keep him at arm 's length. Yet in that whole
campaign he kept getting in the headlights. Think of that very
controversial post of that picture of the EU migrants queueing. Think
of his remarks about Cologne and sex attacks. He kept on dominating the
headlines. Listening to him, he basically said the referendum was
won by Ukip because they managed to get out those people who do not
traditionally vote. He said it was Ukip who got people out who
otherwise would not have turned out to this referendum. In other words,
it was Ukip's victory, and he is now bailing out.
Thank you. More reaction to come. As well as this. Who will take over the
Conservative leadership, who is heading to number ten? We will find
out who two senior Tories will be backing. And Ed Miliband has been
investigating renter on companies for this programme and we will talk
to him live in the programme and we will also get his reaction to Nigel
Farage's resignation. -- rent-to-own companies.
Nigel Farage has resigned as leader of Ukip. Speaking in London he said
Ukip is in a strong position and does not need his leadership any
more. He said there would not have been a referendum on Britain's
ownership on the EU without Ukip. He said he had now achieved his goal. I
have never been and I have never wanted to be a career politician. My
aim in being in politics was to get Britain out of the European Union.
That is what we voted for in that referendum two weeks ago. That is
why I now feel I have done my bit. That I couldn't possibly achieve
more than what we managed to get in that referendum. So I feel it is
right I should now stand aside as leader of Ukip.
George Osborne has pledged to slash the amount of tax businesses pay
in order to encourage investment in the wake
In a newspaper interview, the Chancellor said cutting
corporation tax was one of his five priorities to show the UK
He also pledged to maintain the northern powerhouse project despite
the Brexit vote. Boris Johnson has accused
the Government of failing to explain how the vote to leave the EU can be
made to work in the UK's interests. The former leave campaign says
hysteria is sweeping parts of the population who wanted to remain in
the EU. He argues that they need more
reassurance. The Iraqi government has declared
three days of national mourning after a bomb in the capital of
Baghdad wounded about 150 people and killed about 60. A lorry packed with
explosives was detonated in a busy shopping area. Islamic State says
they carried out the attack. Join me for BBC newsroom live at 11 o'clock.
See you then. We did miss some sports bulletins,
but Nick has stepped into the breach! I will make it up! Thanks,
Victoria, here are your sports headlines. Andy Murray will play the
Australian firebrand Nick Kyrgios in the last 16 on Centre Court today.
Murray has been playing down talk of being the favourite, after Novak
Djokovic's shock exit on Saturday. There was an epic match on court
two, Jo Wilfred Tsonga of France beating the American John Isner
19-17 in the decider. You might remember Isner beat Tsonga's
compatriot Nicolas Mahut 70-68 in a fifth set six years ago. Reigning
champion Serena Williams powered into the fourth round with a
straights sets victory over Annika Beck. Williams claimed her 300th
Grand Slam win in just 51 minutes, losing only three games along the
way. She now faces 13th seed Svetlana Kuznetsova of Russia.
Oaks Wales have been training at their camp in Brittany, ahead of
their European Championship semifinal against Portugal on
Wednesday. There are decisions to be made over who'll replace the
suspended Aaron Ramsey and Ben Davies.
And Iceland's dream run at the European Championship is over, after
hosts France beat them 5-2 in Paris to reach the semi-finals. Arsenal's
Olivier Giroud scored twice for France, who play Germany on
Thursday. And six-time champion jockey Kieran Fallon has retired
from the saddle. He's won 16 British Classic races in his career but he
had a fall on the gallops last week and trainer Michael O'Callaghan said
that at the age of 51, Fallon just doesn't bounce like he used to. I
think you should sit on the couch and just watch the racing! County
comeback tomorrow? I will be back! The start of a wonderful new
relationship, I can tell! In an exclusive report for this
programme the former Labour Leader Ed Miliband is calling
for better regulation He wants to see a cap introduced
on the amount of interest Rent-to-own companies
allow shoppers to pay for items such as TVs,
games consoles, fridges and washing machines in weekly instalments,
spread over years with interest. But consumers can end up paying up
to three times more for the product and we've discovered that some
companies are selling these goods to vulnerable people with mental
health problems and learning difficulties which has resulted
in concerns they may not understand The Citizens Advice Bureau tells us
it receives thousands of complaints a month about the sector
and the regulator must do more Ed Miliband has campaigned
against rent to own - Brighthouse is the largest
firm in the sector - and he thinks people should use
credit unions instead. Here's a short extract
of his exclusive report As leader of the Labour Party
and now as a backbench MP, I have talked about the need
for firms to do right by their BrightHouse have 300
stores across the country, One of them is in Doncaster,
in my constituency. I am concerned that BrightHouse
are taking advantage of people on benefits
and working on low incomes. In the course of our investigation
I have been really shocked to find that BrightHouse are selling
to people with mental health Paul, not his real name,
asked us to hide his identity. He has learning difficulties
and mental health problems. Do you want to tell me
what you are owing to them and what goods you have got
with them? How have you ended up with five
items, do you think? BrightHouse denies exploiting
consumers in vulnerable circumstances or selling items
to people who clearly cannot afford them and says they have sufficient
policies and procedures in place to prevent these
practices from happening. The Financial Conduct Authority,
the body that regulates the rent-to-own sector,
told us: But I don't think that's clear enough and the guidelines
need to be stricter. The weekly payments at BrightHouse
may seem cheap, but the total But add in compulsory 5-star
service, that includes delivery and installation at ?55,
and Service Plus, repair or replacement of your item,
that costs ?136, on top of that interest rates of 69.9% per year
and payments spread over three years, you end up paying
a grand total of ?1092. I wanted to speak to BrightHouse
but they declined to be interviewed. So did the Consumer Credit Trade
Association and the Finance And Leasing Association,
the industry bodies There are those who make
the case that there is a gap in the market and Perfect Home,
BrightHouse and others provide The fundamental question
is whether or not we think these people should be able to opt
into a contract where they pay more overall but they have the appliances
tomorrow, or whether or not they shouldn't have these
appliances at all. It is an injustice to tell
people at the bottom that because they are poor they can't
have things that in 2016 From what I have seen,
too often rent-to-own companies are taking advantage of people
who have nowhere else to go. The regulator needs to stop the most
vulnerable in our society Rent-to-own companies need to stop
selling goods to people I think there should be a cap
on the total cost rent-to-own It has been done with
the payday lenders like We wanted to speak to someone
from BrightHouse on the programme today but they declined -
instead they gave us "We note that this feature
is presented by an avowed critic, who consistently
misrepresents our business. BrightHouse serves those
lower-income families who are We can speak to Ed Miliband,
former leader of the Labour Party and MP for Doncaster North and also
to Ryan Bourne, who is head of public policy at the Institute
of Economic Affairs, think tank. Welcome. What is wrong with the
shops providing this service to people who cannot afford to pay for
things up front with cash or who do not qualify for a credit card?
Because the costs are exorbitant. Often three times the price on the
High Street, because they are selling without clear information to
people about what they are buying, they are selling to people who
cannot afford to buy and they are only together all sorts of things,
like 5-star service, which you have no option but to pay for, so there
is a host of things wrong with this sector. In the end, it isn't a good
deal for my constituents and from my experience, I became an avowed
critic as BrightHouse say I am. They say they carry out extensive
affordability assessments and the customer knows what they will end up
paying? I do not think that is right, we heard in the longer
version of the film on the website, Zoe from BrightHouse, she said I do
not feel proper affordability checks are being done, I felt I was selling
to people who cannot really afford to pay and we talked again to people
in the film who did not really look at all of the finances and you have
had responses already to the film of people saying, I have got into
terrible trouble. The response from somebody with bipolar disorder who
is paying ?68 every week to the rent-to-own sector, which has been
ignored for too long. The regulator needs to look at these practices and
the rules that govern that sector. Is Ed Miliband right? To be fair,
his BT was conflating two different issues, selling to people who have
mental health issues, that should be governed by regulation and it is, as
the NCA knowledge. But the other thing is, he seems to be saying,
because these products are expensive he needs some price cap and people
will not have to pay so much. The problem with these price controls
and I know he has advocated these in the past for the mental and energy
sectors, if you constrain the amount of profits that companies can make,
constrain pricing, they can provide less of it in the first place. It is
all very well saying some people pay lots of money for a washing machine,
but if the alternative is to go to an expensive launderette on a weekly
basis, then you can see why some people choose to make this decision
even though it may be expensive overall. There are do need to be
alternatives and our social enterprises selling at a fraction of
the price and some of the rent-to-own sector but I think the
customer needs protection. Like the payday lending sector, if years ago
was a real scandal and there are still problems there. The fact that
a cap has been applied as, according to Citizens Advice, reduced by 50%
the number of people coming to them saying they have problems with
payday lenders. I am not saying a price cap is a total panacea and it
solves a problem but I just do not think that interest rates of 70%
seem fair or right and I think the regulatory bills need to act. Other
countries have caps on payday loans have many more people taking loans
from very undesirable people. And if you fail to be you will get your
kneecaps knocked out. We need to be careful about the statistics on that
because the evidence from other countries is pretty clear. A lot of
these companies are actually taking quite a risk when they sell those
products, I had a look at the academic evidence on this and the
skipping rope for payments on these type of purchases is about double
the normal retail rate and the payments are uncertain, lots of
people fail to pay on time. When you take into consideration that risk,
there must be some sort of pay off. I'm not pretending these pundits are
right for everybody but this idea that you can crudely cap the costs
is a very naive way of dealing with this problem. Part of the reason
people have trouble paying this bag is because they are selling to
people who cannot afford it. It is worth pausing on this issue of
disability because thanks to your programme, we discovered in the
course of the investigation about people who are in the most
honourable circumstances being sold to. And the FCA needs to look at
practices, whether the countries are following the advice of the
regulator but those guidelines also need tightening up. If they believe
the customer is unable to understand the nature of the agreement the firm
needs to make an assessment but whether it is appropriate to lend.
You say that is not clear enough, that is clear? We have waded through
the detailed guidance and I personally think Cabinet Secretary
to me to be investigated for the way they sell to people with
vulnerabilities but I think it might be necessary for the FCA to tighten
up guidance further. I can read some comments from people watching. This
e-mail, thank you for the peace presented by Ed Miliband, hopefully
it will go some way to ending the expedition of the weaker and more
vulnerable people amongst us. Louise says, I have said from a long time
that rent-to-own companies should have something in place to protect
the most vulnerable, especially those with mental health conditions.
Mark Pfizer discussed in the amount of interest they charge. If the
government help the poorest people, perhaps by providing government
backed loans, it would do more to help the people that it is
undermining. Jason, great to see investigating rent-to-own companies
that are clearly taking advantage of some. David says I used to use it
rent-to-own company and the pressure you into adding further goods and
services with no thought for what you can afford. And Tony just
watched a segment on BrightHouse, he did a really good job, new career?
Speaking of new careers, Nigel Farage has stepped down of his party
in the last 20 minutes or so. Any reaction? It was classic Nigel
Farage. He says he was not a career politician and he stood for
Parliament. I do not like the legacy that Nigel Farage leaves because I
think it is a legacy, as we saw in the referendum campaign, of Stirling
division, I thought the poster about breaking point was disgusting.
Respect the decision that has been taken in this decision -- referendum
but I am not sorry to see him leaving the political scene. He said
the deeper the crisis in the Labour Party becomes, that is where Ukip's
potential lies. That must be really alarming? He exposed the fact that
he was willing to go in with the Tories, we always said that Ukip was
a right-wing party. But it is attracting ex-Labour party voters?
Better see what happens in the General Election. I think it is
important for us as a party and for the people on the remain silent the
argument to be clear that we accept this result and we will negotiate in
good faith for a future outside the European Union. I do not want this
referendum. There were deeper issues even than those around immigration
that have been exposed by it. But it is important that we respect the
result and I think it is important that we are clear about that. I
sympathise with the people who have gone onto the streets and petitions
around the referendum but I say to them, imagine if it was 22-48 to
remain and we had believe people on the streets, with say, we have had
this. You do not agree with Tony Blair who said let us keep the
options open? I have a slightly different view, it is important we
show that we respect the result. Last week you call for Jeremy Corbyn
to stand down along with other Labour MPs. Despite that he is still
there. Are you resigned to him saying?
Lets see what happens. People keep saying that but he is the leader. I
felt we have a system where you are elected by the supporters. Some of
the smoke signals in the last couple of days have suggested that talks of
negotiations have happened... A mediation with unions in the middle?
I'm not sure who the mediators would be. Unenviable job. Is that feasible
to you? Is that realistic? It would be much better if there was a way
Jeremy could transition out of his role, and we could have new
leadership. I think it would be much better than the party engaging in
some kind of civil war. Let's see where we get to. Let me dig
deeper... You mean after the Chilcott enquiry this week? Might
there be a way for him to go after he has criticised Tony Blair, or
called for him to be tried in... I think Jeremy has changed. In some
respects in a positive way on our stances. I understand why he wants
the legacy to be carried forward. The question to the party, the
question I wanted answered last week is who can take us forward in a
united way against a new Tory leader into the general elections. We don't
know when it will be. I think that requires new leadership, as I said
last week. Do you regret changing the rules, meaning people could sign
up for ?3? I don't. I think a political party needs as many people
as possible supporting it. Why don't you respect the mandate of those
people who voted? Because it has always been the case, even when we
introduced new rules, you are elected by a party but you need to
command the confidence of the Parliamentary party. If one fifth of
the party do not support you and trigger a new election there will be
on the ballot. 75% expressed no confidence in Jeremy Corbyn. Does he
need 51 MPs to put him on a ballot paper if there is a leadership
contest? I don't know. That is a matter to be sorted out by the
National executive. It is written down in the Labour Party rule
somewhere? As I said, a matter for the national executive. Let me ask
you about Theresa May, the Home Secretary, who wants to be the next
Prime Minister. She said that for her the status of millions of EU
citizens already here in Britain, and British citizens living in EU
countries, it will be part of the Brexit negotiations. What do you
think of that? I don't agree with her. I don't agree with her on
principle because I think people came here with legitimate
expectations they would be allowed to work here. You have British
citizens living abroad. I don't agree with her in principle, but
think about the work ability of this. Are we really saying we will
start deporting people from EU countries, and repatriating people
who were living and working in other EU countries? If it isn't workable
and it isn't right in principle how can it be a negotiating chip, a
bargaining chip, in these negotiations? I think she's wrong. I
think she should reverse her position. It is so unfair to those
people who are working throughout our country and public services and
elsewhere. What message are we sending to them about their role in
our country? What message do you think? A terrible message that they
are somehow not welcome many more. And we see these reprehensible
racist attacks in our country, which I think I'm appalled so many people.
But we need to send a clear message to them that they are welcome. That
we have rules in place. And that we will respect those rules. Why do you
think Britain voted to leave? Deep reasons. It goes much deeper than
racism. Fundamentally a lot of people, including my constituency,
feel failed by politics, failed by our economy, it was not working for
them. A project fear campaign that said, think about how much you have
Toulouse from voting out, they did not feel they had much to lose,
because they felt happy with the way -- because they felt unhappy with
the way the country had been treating them. -- you have to lose.
We understand people feel disenfranchised socially and
economically. And we have to sort out the immigration issue. But there
are deeper problems round housing, jobs, wages, things people see in
their own lives. Thank you for coming on the programme. If you want
to share and his -- if you would like to see his film, you can find
it on the website. And as we've said -
BrighHouse say that Rent-to-own is a very different proposition
to other forms of retail and that they undertake extensive
affordability assessments before lending and seek to support
all those customers who find This morning to map a senior
Conservatives exclusively declare this programme who they are
supporting in the race to become the next leader of the Tory party. Let's
talk now to Liz Truss, the Environment Secretary, and was
supporting Boris Johnson. And Baroness Warsi, he is the former
party chairman. Thank you. Baroness Warsi, who will you be supporting?
Theresa May. Why? Because I think we have a number of years ahead of us
which will be serious and difficult for the country. We need a Prime
Minister who is going to be a substantial figure, somebody with
lots of experience, and a serious politician for serious times. Liz
Truss, who are you supporting? Theresa May. Why? We are in a
difficult situation as a country. The British people have spoken. I am
clear we must listen to people. Brexit must be Brexit. What we now
need is a leader to have the seriousness and the stability to get
the deal done, but also make sure that our country does well both
economically and socially in the future. We will delve a little bit
deeper in a second. This support will Theresa May means that she has
the backing of well over 100 Conservative MPs pushing her way
ahead of other candidates. She insists she won the contest, not a
coronation. I'm also joined by John Redwood who was supporting Andrea
Leadsom and Eddie Bazeley who is supporting Michael Gove. -- Ed
Vaizey. How on earth do you trust Michael Gove? I have worked with him
for many years. He has been at the centre of this government for many
years. He has been one of the people who has moved the Conservative Party
into centre ground. You have heard what he said in his speech when he
announced his leadership. It was a wide-ranging speech covering lots of
issues. This is not just about Brexit. We have to talk about what
future we want our country and a lot of issues. What ever he says, and
whatever you say as his friend for decades, Boris Johnson was also
apparently his friend. He will forever be seen as a pretty
shameless betrayal of friends. He made the right choice. It would have
been a betrayal had he swallowed it all up. Simply put Boris Johnson
forward as the candidate for Prime Minister. Boris Johnson wasn't under
anybody's orders to stand down. He could have stood. He could have had
his contest and put himself forward. What you think of his former
campaign manager saying Michael Gove is a gossip fond of a drink and
would be a security risk? -- what do you think. He has worked incredibly
hard and education. What about this? It does not ring true. You cannot
sit at centre of government and then be criticised like that. There is
much anger in Brussels at the Brexit vote. Surely need is there would be
much more inclined to give a remain, a Conservative Prime Minister, who
voted for remain, a good deal rather than somebody who has led Britain
out of the UK like somebody you are supporting, Andrea Leadsom? We saw
what happened when David Cameron tried to do his best. He got nothing
from them. Should they be hostile to her? She is the most experienced of
the five candidates when it comes to understanding Brussels. She chaired
the important study in the last parliament. All of the details about
where our relationship does not work. She is up to speed on the
detail. Experienced businesswoman and minister. She would be a tough
and experienced negotiator for Britain. I have served in 21
positions. I always found that because they felt I did not want to
deal and much of what they agreed on was disagreeable, it was much more
important to get the UK's Bottom Line in that position than if you
were a collaborator. Did you say she was much more experienced? One
European matters. She has been a middle ranking minister. She is an
important minister in the energy Department. I was clearer what I
said. On the European issues she has studied them all and all of the
other ministers in the competition haven't. But it is much more than
Brexit when you want to be Prime Minister. Mr Blair and Mr Cameron
had no ministerial experience and they became Prime Minister 's.
Andrea Leadsom has been a minister, she understands the white always,
but crucially she understands how Brussels works and what all of the
laws are we have to deal with. -- Prime Minister. She is keen on
getting our borders back, getting our money back, cutting VAT on fuel,
all of the things we promised in the campaign in a way people can trust.
Why is the hesitation about publishing her taxes? They visit,
she intends to do so. If she ends up being in the final two? Yes, and
what is wrong with that? All MDs don't have to publish them. You know
what we earn. -- MPs. She has the backing of the Ukip donor Aaron
Banks. Nigel Farage has resigned. Would she want Nigel Farage in her
Brexit negotiating team? She will form the best possible team for
Britain once she becomes Prime Minister, assuming she wins. I am
not going to advise her on that kind of thing. I think it is a red
herring by the BBC. There lots of really decent people, 70 million
people, who voted for Brexit. Bring us together don't keep to find
divisions. There is a huge amount of talent on the Brexit side of the
argument and we need to use that talent to get a really good deal for
the UK. One of the reasons this country voted to leave the EU is
they felt net migration wasn't under control. Theresa May has presided
over that. Surely that is a problem for her? People were very clear in
the referendum that they wanted to leave. But it is a problem that
reason my presided over net migration levels. I completely agree
that freedom of movement was one of the major reasons people voted to
leave. And you are backing her? That is why Theresa May is committed to
this. This must be negotiated as the key part of our Brexit. Will she
moved quickly to protect us now? Everybody here and now is welcome
but we need immediate protection so it doesn't become a problem. What
she will do is work of the negotiating position and then get on
with leaving the EU. That is what the British people have voted for. I
am feeling outnumbered. Michael Gove has made it clear that EU citizens
are welcome here. People who are living here are welcome to stay,
let's make that clear. What is important is that we are not
electing a leader on position, we are electing somebody who has to go
straight into the negotiations. It is important we have somebody who is
serious, credible, who has had years... Why does she not guarantee
the status of EU citizens living in the UK now? She is for the
foreseeable future whilst we are still members of the EU. But we
cannot guarantee that long-term position until those negotiations
take place. It would be responsible... They need
protecting... You can carry on talking, but we must go. Thank you
all of you.
Former Labour leader Ed Miliband investigates the rent-to-buy market.
Conservatives debate who should be their next leader.
And can Wales overcome the odds to reach the Euro 2016 final?