05/02/2018 Victoria Derbyshire


05/02/2018

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Transcript


LineFromTo

Hello, it's Monday, it's

9:00am, I'm Chloe Tilley

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in for Victoria Derbyshire,

welcome to the programme.

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Our top story today...

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Number Ten has insisted that the UK

will leave the customs union

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when it leaves the EU -

but what happens next

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is still up for negotiation.

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Theresa May seeks to reassure Tory

Brexiteers there will be no sell-out

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as she quashes the ID with any sort

of customs union with the European

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Union.

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As the row continues

to highlight divisions

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within the Conservative Party,

we'll get reaction from

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a group of Tory voters.

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Do they have confidence

in Theresa May's leadership?

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My name is Harry and I believe

Theresa May is doing a good job,

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doing what is necessary to get us a

good deal.

My name is Grace and I

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think Theresa May is weak. Jacob

Rees Mogg is the Prime Minister.

My

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name is Linda and I think Theresa

May is doing a good job, but I think

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she can do a better job, she needs

to stand firm.

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Also on the programme...

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This programme has been told that

thousands of people are desperate

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to get out of their time-share

contracts, but can't because they're

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far too complex and costly.

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Every door is closing on me, I

cannot go anywhere. I cannot get

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free of this thing and it's like a

disease, if you like, hanging over

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you.

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That full exclusive report

in around 15 minutes' time.

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A doctor said there is no hope for

20-month-old Alfie Evans as doctors

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want to switch off his life support.

We talk to other parents who have

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had similar decisions to make.

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Hello, welcome to the programme,

we're live until 11:00.

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Throughout the programme we'll bring

you the latest breaking news

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and developing stories and,

as always, really keen to hear

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from you on all the stories

we're talking about.

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A little later we'll hear claims

that returns on university degrees

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can be "paltry" when you consider

the £50,000 many students

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rack up getting them.

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We want to hear your experiences.

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If you've recently graduated, do you

have any regrets over your degree?

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Use the hashtag Victoria live

and If you text, you will be charged

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at the standard network rate.

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Our top story, a Downing Street

source has ruled out the prospect of

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Britain staying in any kind of

European customs union after Brexit.

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The statement came days after the

strong supporters of leaving had

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criticised Theresa May for not

taking a stand on the issue. The

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customs union allows goods made in

the EU to move around the block

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without tariffs and without few

checks. But it prevents members from

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striking their own free trade deals

with other countries. Norman Smith,

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all sorted?

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What we have seen in recent days, we

note the Tory Brexiteers have been

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on the warpath breathing down

Theresa May's neck. One of the

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issues they have been getting to her

over is this idea of staying in this

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EU trading bloc, which we are

currently in. Theresa May has always

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said we will not claim in the

customs union, but she has been less

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clear on whether we can stay in some

sort of revamped customs union,

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another form of customs union. Last

night Downing Street put it down in

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black and white that we will not be

part of any type of customs union

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whatsoever. That will please the

Brexit is because they regard the

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great prize of Brexit is our

ability, once we leave, to go out on

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strike our own trade deals, which we

cannot do if we

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cannot do if we stay in a customs

union. Albeit there are plenty of

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Tory remainders, the Labour Party

and the SNP and others who do want

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us to think about staying in a

customs union and that was what

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Hilary Benn said this morning.

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The Prime Minister has Brexiteers to

the left of her, remain as to the

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right of her but in the end she will

need to make a decision because we

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need to know what the future

relationship is going to be. I think

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we should stay in the customs union

and I think we should stay as close

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as possible to the single market

because it is in our economic

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interests. This noise, argument and

accusation assessments are not being

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done fairly, these are symptoms of

the inability of the government to

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do its job.

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Anyone who has read the papers over

the weekend will have read about the

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various plots to get rid of Theresa

May and we know about the split in

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the Tory party, will this be enough

to quieten those plotters?

I suspect

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not, it may buy Theresa May some

breathing space but a lot of the

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Tory Brexiteers are suspicious about

the sort of deal she will deliver.

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Throughout this whole process she

has had to shimmy this way and

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shimmy that way, to keep her party

together. The basic problems she

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faced hasn't changed since the

election, which is, she has divided

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cabinet, a divided party and she

doesn't have a Commons majority,

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which makes her position incredibly

fragile, which is why she has had to

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be very, very careful, every little

step she has taken. But she does

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seem, over the weekend, to have

decided to throw a bit of meat to

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the Brexiteers, OK on the customs

union, no question about it, we will

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not have any customs union at all,

that will please them.

Norman Smith,

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thank you.

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And a little later in the programme

we'll be asking Conservative Party

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supporters and activists how

they think the government is doing

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and whether it might be time

for Theresa May to step aside.

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We are keen to get your support as

well.

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Annita is in the BBC

Newsroom with a summary

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of the rest of the days' news.

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A new ring-fenced tax to fund

the NHS and social care in England

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has been proposed by a panel

of health experts.

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The panel, commissioned

by the Liberal Democrats has also

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recommended a return of caps

on personal payments

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for adult social care.

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Here's our Health Editor, Hugh Pym.

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Thousands of demonstrators marched

through London at the weekend

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calling for increased funding

for the NHS.

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Health unions joined other

campaigners, arguing

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there was a winter crisis

which needed urgent

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action and investment.

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Today, a report from health experts,

including the former

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head of NHS England,

has called for new answers

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to NHS funding problems.

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The report commissioned

by the Liberal Democrats calls

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for an extra ?billion on top

of inflation for the NHS in England

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in the next financial year,

more than double the increase

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announced in the budget.

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A single, ring-fenced tax

for health and social care

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replacing National Insurance.

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And reinstating a commitment

to cap the costs paid

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by individuals for social care.

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The report argues that higher

funding needed for health and care

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should come through increased

taxation, and that this will be more

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transparent if there is a dedicated

tax for this purpose.

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Longer waiting lists and rationing

for some treatments, it says,

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are undermining the key principles

of the NHS.

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In response, the Department

of Health and Social Care said

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the NHS had been prioritised

in the budget, and an extra ?

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billion had already been provided

for social care in England.

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Hugh Pym, BBC News.

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Customers of the Lloyds banking

group have been banned

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from using their credit cards to buy

virtual currencies such as bitcoin.

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The decision affects all account

holders with Lloyds Bank,

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Bank of Scotland, Halifax and MBNA.

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The group says it's protecting

customers from running up debts

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they could never repay.

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The surviving suspect from the Paris

terror attacks of 2015 will go on

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trial in Belgian today. Salah

Abdeslam faces charges relating to

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shoot outs he had with police while

on the run in Belgian in 2016. He

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faces a second trial relating to his

involvement in the Paris at later

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date.

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Our Europe correspondent Gavin Lee

is at the court in Brussels.

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Salah Abdeslam, at one time the most

wanted man in Europe, what can we

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expect from the court today?

This is

a separate case because the four

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months after the Paris attacks, the

13th of November 2015 where 150

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people were killed in the Bataclan,

restaurants and the Stade de France,

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for four months, Salah Abdeslam, was

missing, the only sole surviving

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suspect and he was picked up on CCTV

at a service station between Paris

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and Brussels in the early hours

after the attacks. This case in

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Brussels, at the highest court, you

can see the police. 200 officers

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here, Belgian special police forces,

to secure this whole site. This is

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to do with when he was first

discovered in a flat about three

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miles from here in a suburb of

Brussels when police came to the

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door looking for Salah Abdeslam. As

they opened the door they came under

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gunfire, Kalashnikov gunfire. It was

sustained for several hours and

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Salah Abdeslam is alleged to have

cleared and fled via rooftops. He

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was found three days later and shot

by police near his family home. Four

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days after that it was the Brussels

attacks, 32 people were killed. It

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is also to be linked. This is to do

with the attempted murder of police

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officers at the flat. But his

lawyers are saying he is willingly

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taking part, so he may speak. He

arrived flanked by armed police

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officers. This may be the first time

we hear evidence from him.

Gavin,

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thank you very much.

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This programme has been told that

thousands of people desperate to get

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out of their timeshare contracts

are currently unable

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to because it is far

too complex and costly.

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A timeshare usually involves

paying a one-off lump sum

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in return for being able to use

the property for an agreed

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number of weeks each year,

every year for life.

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And we'll have more on that story

later in the programme.

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Many graduates receive "paltry

returns" for their degrees

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despite racking up £50,000 in debt -

that's according to the head

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of the House of Commons'

Education Select Committee.

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In a speech today, Robert Halfon

will argue that too

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many people are taking academic

degrees and that the rewards

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for taking them "vary wildly".

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But the organisation that represents

UK universities says graduates earn

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more than non-graduates and are more

likely to be in employment.

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Snow has caused a number

of accidents in south-east England,

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at the start of what forecasters say

could be one of the coldest

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weeks of the winter.

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This was footage taken

by the police called out

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to accidents on the M20 in Kent.

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Luckily no one was seriously

injured and the motorway

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has now been cleared.

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The Met Office has issued yellow

warnings of snow and ice

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for large parts of the UK.

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One woman had a lucky escape

when she got stranded on a beach

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and had to be rescued by the RNLI.

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The woman you can see

in the water in these pictures,

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was forced to climb on to the top

of her submerged car,

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after becoming stranded

on the Cumbrian coast as the tide

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came in and the water

levels began to rise.

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She was treated for hypothermia

but was otherwise unharmed.

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That's a summary of the latest BBC

News, more at 9:30am.

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We want to hear from you this

morning if you have bought a

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time-share, if you are happy with it

or you are trying to get out it.

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Peter on Facebook said he didn't

mind boasting about these holiday

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homes when you bought them, you take

your chance whether you win or lose.

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Somebody else says, anybody who is

stupid enough to fall for a

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time-share deserves what they get. A

and his money are easily parted.

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Do get in touch with us

throughout the morning -

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use the hashtag Victoria live

and if you text, you will be charged

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at the standard network rate.

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Let's get some sport from Sarah.

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Was the Superbowl

worth staying up for?

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It really was. It turned out to be

third time lucky for the

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Philadelphia Eagles. They were

runners-up in 1980 and 2004 but the

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franchise finally won their first

Super Bowl overnight. What an upset,

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their fans had taken to wearing dark

masks in the lead up, such was their

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underdog status coming into the

game. But in the

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game. But in the final day beat the

defending champions in Minneapolis.

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Let's have a look at the touchdown

they're saying will be

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shown a billion times -

Nick Foles - who led

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magnificiently on the night -

became the first quarterback

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to throw and catch touchdowns

in Superbowl history.

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He only came into the side

towards the end of the regular

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season as an injury replacement.

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So you can imagine the celebrations

ongoing in Philadelphia now.

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And if the football

is not your thing -

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there's always the half time

show for entertainment.

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This year it was Justin Timberlake

wowing the crowds.

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The 12-minute performance included

a tribute to Prince -

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he ended up in the

middle of the crowd.

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Where this 13-year-old may just be

the most popular person

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in his school today -

bagging a selfie with the star.

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And while it doesn't take long

to find that selfie online.

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Ryan McKenna the lucky 13-year-old

and it seems the internet has

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fallen in love with him.

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#selfiekid seemed to

be his twitter name -

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and now many are calling him

the Superbowl's MVP in place

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of quarterback Nick Foles.

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He doesn't look like he's got that

much security. Cannot believe Justin

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Timberlake can go into the centre of

a crowd.

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What a start to the Six

Nations this weekend -

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Wales with a stunning victory over

Scotland and the last minute drop

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goal for Ireland to steal

the win against France -

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on Saturday, and then yesterday

it was England's turn

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as they began their defence

of the title.

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And it went pretty well.

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They ran in seven tries for a bonus

point win over Italy in Rome.

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A nice Six Nations debut for

Sam Simmonds though with two tries..

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Worry for Ben Youngs,

the scrum half stretchered off

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early with a knee injury.

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early with a knee injury.

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46-15 the final score in Rome.

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There very quiet apart from the

final ten minutes to the day.

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The final ten minutes provided

an equaliser, two penalties,

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one saved and one missed

and sandwiched in between

0:15:310:15:35

was what looked like a stoppage time

winner for Livepool.

0:15:350:15:37

Harry Kane missed the first but made

up for it in the second

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to give him his 100th

Premier League goal.

0:15:400:15:43

And before any of that,

came one of the goals of the season.

0:15:430:15:46

This was the equaliser.

0:15:460:15:47

Substitute Victor Wanyama

smashing home an equaliser

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with ten minutes to go.

0:15:500:15:53

That cancelled out Mo Salah's

earlier strike, only

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for the Egyptian to score this

brilliant goal at the end.

0:15:550:15:59

In stoppage time.

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But there was still time

for a second Spurs penalty.

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You don't give Harry Kane a second

chance, do you? That levelled things

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off at 2-2. Relieved to have

equalised at the end.

Take your hat

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off to him, he missed the first

penalty, saved and he took the

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second one. Got to be brave.

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We will speak to you later on. .

0:16:320:16:36

This programme has been told that

thousands of people desperate to get

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out of their timeshare contracts

are currently unable

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to because it is far

too complex and costly.

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Timeshares were very popular

in the 1980s and 1990s -

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they were marketed as holidays

without the hassle -

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investors were told their timeshares

would increase in value and be easy

0:16:480:16:51

to get out of, whenever they wanted.

0:16:510:16:56

But for many, this didn't happen

and instead they've been left

0:16:560:16:59

with increasing maintenance charges

on a property they

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can't get rid off.

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can't get rid of.

0:17:020:17:04

Timeshare groups say the industry

provides millions of people

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with quality holidays every year.

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Our reporter Anna

Collinson has more.

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# It was acceptable in the '80s

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# It was acceptable at the time

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# It was acceptable in the '80s...#

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It's the 1980s, and hundreds

of thousands of people are signing

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contracts which promise cheap sun

and convenient getaways,

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normally in Spain.

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# I've got love for you

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# If you were born in

the '80s, the '80s...#

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Many were told their time-shares

were an investment,

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that they would increase in value,

and that they could get rid of them

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when ever they wanted.

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Many of those people are now

retired or close to it

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and they can no longer afford

or use their time-share.

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So, what happens then?

0:18:130:18:16

We had some good years with it

but over the years, of course,

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things have changed.

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So, quickly, here's how it works.

0:18:230:18:25

People buy a share in a property

for a number of weeks each year,

0:18:250:18:29

usually paying a one off lump sum.

0:18:290:18:33

In return, they get the right to use

their annual weeks in the apartment,

0:18:330:18:36

which in some cases can last

until they die.

0:18:360:18:41

Time-share owners must also pay

maintenance charges,

0:18:410:18:43

which can increase year on year.

0:18:430:18:51

I'd come back home to mum,

I didn't really know

0:18:530:18:56

anybody that was gay,

so it was just like,

0:18:560:19:01

I'll just see if I can

find some friends.

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That was all I wanted,

just a friend that I could speak to,

0:19:030:19:06

that knew how I felt,

because I was 40 at the time

0:19:060:19:09

and it was first time I'd ever come

out in the open, if you like.

0:19:090:19:13

It was taken outside the lodge...

0:19:130:19:14

Wendy Barker met her partner,

Anne Jackson Blanchard, in 1995.

0:19:140:19:17

LAUGHTER.

0:19:170:19:22

She was quite punctilious,

but quite jolly with it.

0:19:220:19:24

Does it bring back nice memories?

0:19:240:19:26

Yes, I suppose it does, yeah, yeah.

0:19:260:19:30

The couple decided

to get a time-share.

0:19:300:19:35

So, this is a photograph

of the lodge taken from one angle.

0:19:350:19:37

The bungalow in the countryside

cost nearly £9,000.

0:19:370:19:41

What it was was an escape for me,

really, because I worked

0:19:410:19:44

within the prison service,

it was freedom, if you like,

0:19:440:19:46

from being shut in those walls.

0:19:460:19:51

But as the years passed,

the couple separated, Wendy retired

0:19:510:19:54

and Anne's health deteriorated.

0:19:540:19:57

They could no longer

use their time-share,

0:19:570:19:58

but every year were paying around

£900 to cover its maintenance fees.

0:19:580:20:04

So then I tried to sell it,

I tried to give it away.

0:20:040:20:08

It was just, nobody wanted it

because the maintenance fees

0:20:080:20:10

were going up and up and up.

0:20:100:20:12

We were also told if there comes

a time where you don't want it

0:20:120:20:16

and you decide that's it,

we'll buy it back from you.

0:20:160:20:21

Never happened.

0:20:210:20:24

Some companies allow

time-share owners to terminate

0:20:240:20:26

agreements on request.

0:20:260:20:29

Others only allow it

if a person is sick,

0:20:290:20:31

elderly or bankrupt,

but Anne was told she

0:20:310:20:33

wasn't sick enough.

0:20:330:20:38

In October, she died.

0:20:380:20:40

Anne spent nearly the last ten years

of her life worrying

0:20:400:20:42

about this time-share.

0:20:420:20:44

Yeah.

0:20:440:20:45

Do you think that

impacted on her health?

0:20:450:20:48

It didn't help, it

certainly didn't help her.

0:20:480:20:51

It's just one of them things,

she couldn't help how

0:20:510:20:53

she was and time beat her.

0:20:530:20:56

Yeah...

0:20:560:20:59

Not nice.

0:20:590:21:07

Industry bodies believe

up to 600,000 people

0:21:080:21:10

own time-shares in the UK.

0:21:100:21:15

The cost can vary, depending

on the property, but lawyers at this

0:21:150:21:18

firm says its clients have

paid between £300-£1300.

0:21:180:21:24

Trading Standards say if the person

wants to exit a time-share,

0:21:240:21:27

they should contact their company

directly and, in most cases,

0:21:270:21:31

they will let a consumer leave.

0:21:310:21:36

If they don't, or there's

a possibility of mis-selling,

0:21:360:21:38

you can get legal advice.

0:21:380:21:41

So, welcome to the office.

0:21:410:21:44

As you can see, there

are a number of files here.

0:21:440:21:48

I would estimate that there

are over 1,000 cases,

0:21:480:21:50

and that number is growing daily.

0:21:500:21:52

Lawyers have told this programme

many of their clients

0:21:520:21:54

were mis-sold their time-shares,

often because important

0:21:540:21:56

information was kept from them.

0:21:560:21:58

In some cases, annual maintenance

fees, which can start

0:21:580:22:00

in the hundreds and reach

into the thousands,

0:22:000:22:02

have increased by 400%.

0:22:020:22:07

Citizens Advice says

it's dealt with around

0:22:070:22:08

1,600 time-share problems

in the past two years.

0:22:080:22:16

Some people have got so desperate,

they're selling their time-share

0:22:180:22:20

online for as little as 25p.

0:22:200:22:22

It's got a bad reputation,

time-share, so the time-share

0:22:220:22:25

companies, it's in their interest

to keep them in their time-share,

0:22:250:22:28

so it's very difficult to actually

get released from them.

0:22:280:22:31

Law firms are now calling

for all people with time-shares

0:22:310:22:33

to be able to give reasonable notice

to get out of their contract.

0:22:330:22:39

Another person struggling to get

out of their time-share

0:22:390:22:41

is retiree Andrew McNaught.

0:22:410:22:44

Nice to meet you.

0:22:460:22:47

A fan of the sunshine,

he bought a time-share

0:22:470:22:49

in Gran Canaria for nearly £8,000.

0:22:490:22:54

His family rarely use it now,

because of his wife's poor health,

0:22:540:22:56

but every year they still pay

out around £370.

0:22:560:23:00

But I spoke to a person last time

we were there and he said

0:23:000:23:05

there was a massive,

massive waiting list

0:23:050:23:07

of over 600 people.

0:23:070:23:11

So...

0:23:110:23:16

You know, you think, how the heck am

I going to get out of it?

0:23:160:23:19

I saw an advert in the daily

newspaper, a full-page spread,

0:23:190:23:22

which said, "We can get

you compensation

0:23:220:23:25

for your time-share.

0:23:250:23:26

for your time-share".

0:23:260:23:28

I said to my wife, "Look,

we've got nothing to lose".

0:23:280:23:33

We've been told what happened next

to Andrew has also happened

0:23:330:23:35

to hundreds of others.

0:23:350:23:38

A company which promised to help him

out of his current time-share,

0:23:380:23:41

A company which promised to help him

out of his current time-share

0:23:410:23:44

managed to persuade him to invest

into a second one -

0:23:440:23:47

making his desperate

situation even worse.

0:23:470:23:51

The tactic is known as hot room.

0:23:510:23:52

They say you've won a holiday.

0:23:520:23:55

The company said that we needed

to go to Tenerife.

0:23:550:23:58

They'll sit down with a salesman.

0:23:580:24:01

Most of the time they

are given alcohol.

0:24:010:24:03

The salesman will try

and sell them the product.

0:24:030:24:06

We were made to feel

that they were going to get us out

0:24:060:24:09

of the time-share and pay us

some silly money.

0:24:090:24:16

Invariably, after 6-9

hours of this gruelling,

0:24:160:24:17

gruelling breakdown,

they will sign the contract.

0:24:170:24:19

It's the same routine that happens

again and again and again.

0:24:190:24:26

These people, these salesmen can

literally sell snow to Eskimos,

0:24:260:24:28

they are so professional

in what they do.

0:24:280:24:31

We have people from all walks

of life, professionals right

0:24:310:24:34

down to, say, a lollipop lady.

0:24:340:24:35

The Resort Development Organisation

is the European trade association

0:24:350:24:37

for time-shares and says

all of its members are required

0:24:370:24:40

to sign a code of conduct.

0:24:400:24:42

It's told this programme that it's

invested significant amounts

0:24:420:24:44

of money into investigating

unethical companies

0:24:440:24:46

that target consumers.

0:24:460:24:51

The Government says it's aware

of issues around some time-share

0:24:510:24:53

contracts and has tightened the law

to ensure owners are

0:24:530:24:56

properly informed.

0:24:560:25:00

There'll be some people who say that

you signed a contract and you may

0:25:000:25:03

not like it, but you

have to stick to it.

0:25:030:25:06

What would you say to that?

0:25:060:25:08

Yes, and foolishly I suppose

I did, and I didn't look

0:25:080:25:11

deep enough into it.

0:25:110:25:16

I can imagine now how

prisoners must feel initially

0:25:160:25:18

when they first go in.

0:25:180:25:21

I know we had a lot of people that

used to get really upset

0:25:210:25:24

because once that door slammed,

that was it for hours.

0:25:240:25:27

And now I feel a bit

like that myself.

0:25:270:25:29

It's like every door

is just shutting on me.

0:25:290:25:32

I can't go anywhere, you know?

0:25:320:25:33

I can't get free of this

thing and it's like

0:25:330:25:35

a disease hanging over you.

0:25:350:25:40

That report by Anna Collinson.

0:25:400:25:47

There is an article on the front

page of the BBC news website, it is

0:25:470:25:52

one of the most popular stories this

morning.

0:25:520:25:54

Really keen to hear from you -

if you own a timeshare and have

0:25:540:25:58

struggled to get rid of it -

do get in touch.

0:25:580:26:00

Your experiences very welcome.

0:26:000:26:03

An e-mail from Camellia, we got out

of a time-share agreement with our

0:26:030:26:08

solicitor finding a short clause in

the agreement specifying we would be

0:26:080:26:11

able to exchange for what we

purchased. Ken says he owns a

0:26:110:26:15

time-share in Scotland and has done

since 1986 and I am currently trying

0:26:150:26:19

to get out of the contract through a

specialist time-share release

0:26:190:26:22

company. Suzie has said my parents

bought a time-share and we love it,

0:26:220:26:26

we took our daughters every year

with my parents, 35 years ago. Now I

0:26:260:26:31

am taking my daughter and her young

family. Share your experiences this

0:26:310:26:35

morning.

0:26:350:26:37

In the next hour, we'll hear

from a timeshare group who says it

0:26:370:26:40

represents the interests

of consumers - and the industry.

0:26:400:26:48

Still to come:

0:26:480:26:49

As Theresa May rules out the UK

staying in the customs union,

0:26:490:26:52

we'll get reaction from this

group of Tory voters.

0:26:520:26:54

Do they have faith

in her leadership?

0:26:540:26:57

And half of former professional

sports people struggle

0:26:570:26:59

with emotions, mental and financial

issues once they retire -

0:26:590:27:02

a survey suggests.

0:27:020:27:06

We'll get reaction to that

from a former rugby league player

0:27:060:27:08

who became addicted

to drugs when he retired.

0:27:080:27:16

Time for the latest

news, here's Anita.

0:27:190:27:21

The BBC News

headlines this morning.

0:27:210:27:25

A Downing Street source has ruled

out the prospect of Britain staying

0:27:250:27:28

in any kind of European customs

union after Brexit. The statement

0:27:280:27:32

came after days in which the strong

supporters of leaving had criticised

0:27:320:27:36

Theresa May for not taking a stand

on the issue. The customs union

0:27:360:27:40

allows goods made in the EU to move

around the block without tariffs and

0:27:400:27:43

few checks but it prevents members

from striking their own free trade

0:27:430:27:48

deals with countries.

A new

0:27:480:27:50

ring fenced tax to fund the NHS and

social care in England has been

0:27:500:27:53

proposed by a panel of health

experts. Set up by the Liberal

0:27:530:27:57

Democrats, it says the NHS in

England should be given an extra £4

0:27:570:28:01

billion. The government says it

prioritised NHS funding at the last

0:28:010:28:06

budget providing £2 billion.

Schalke.

0:28:060:28:09

Customers of the Lloyds banking

group have been banned

0:28:090:28:11

from using their credit cards to buy

virtual currencies such as bitcoin.

0:28:110:28:14

The decision affects

all account holders

0:28:140:28:15

with Lloyds Bank, Bank of Scotland,

Halifax and MBNA.

0:28:150:28:17

The group says it's protecting

customers from running up debts

0:28:170:28:20

they could never repay.

0:28:200:28:25

The sole surviving suspect

from the Paris terror attacks

0:28:250:28:27

of 2015 will go on trial

in Belgium today.

0:28:270:28:32

Salah Abdeslam faces charges

relating to a shootout he had

0:28:320:28:34

with police while on the run

in Belgium in 2016.

0:28:340:28:39

He faces a second trial relating

to his involvement in the Paris

0:28:390:28:42

attacks at a later date.

0:28:420:28:43

This programme has been told that

thousands of people desperate to get

0:28:430:28:46

out of their timeshare contracts

are currently unable

0:28:460:28:48

to because it is far

too complex and costly.

0:28:480:28:50

A timeshare usually involves

paying a one-off lump sum

0:28:500:28:52

in return for being able to use

the property for an agreed

0:28:520:28:55

number of weeks each year,

every year for life.

0:28:550:29:03

That's a summary of

the latest BBC News.

0:29:040:29:06

Here's some sport now.

0:29:060:29:09

It was a thrilling Super Bowl

overnight in Minnesota.

0:29:090:29:12

The Philadelphia Eagles

beat the favourites,

0:29:120:29:13

New England Patriots 41-33 -

the first time they've

0:29:130:29:15

they've won the title.

0:29:150:29:20

As always the half time show didn't

fail to disappoint -

0:29:200:29:22

as Justin Timberlake wowed

the crowds.

0:29:220:29:28

England began their defence

of the title with a comfortable

0:29:280:29:30

victory over Italy.

0:29:300:29:32

They ran in seven tries in Rome

for a bonus point win.

0:29:320:29:35

46-15 the final score.

0:29:350:29:39

Liverpool versus Spurs -

the game that had everything.

0:29:390:29:41

A goal of the season

contender, two injury time

0:29:410:29:44

goals, two penalties -

one missed, and Harry Kane's 100th

0:29:440:29:47

Premier League goal.

0:29:470:29:48

It ended 2-2 at Anfield.

0:29:480:29:52

I'll be back with more

later in the programme

0:29:520:29:54

I'll be back with more

later in the programme.

0:29:540:29:57

Thanks.

0:29:570:29:58

Downing Street has insisted Britain

will leave the customs

0:29:580:30:00

union after Brexit.

0:30:000:30:02

The customs union is a trade

agreement between EU states that

0:30:020:30:05

allows companies to exchange goods

across the EU without any taxes

0:30:050:30:07

on the exports known

as a tariff and with a common

0:30:070:30:10

tariff on imports

from outside the EU.

0:30:100:30:14

The issue has laid bare divisions

within the Tory party over

0:30:140:30:16

whether the UK should follow

a so-called soft or hard Brexit.

0:30:160:30:21

It comes ahead of a week of key

Brexit meetings with the EU chief

0:30:210:30:23

negotiator and with her most senior

ministers.

0:30:230:30:30

So how is this going

down with Tory voters?

0:30:300:30:32

Do grassroot tories want

a change in leader?

0:30:320:30:38

With us now a selection

of Tory voters.

0:30:380:30:40

We've brought together some

conservative party supporters

0:30:400:30:48

Let's talk about the customs union.

It's not an announcement, it was in

0:30:570:31:06

the manifesto, the Florence speech.

There have been discussions over the

0:31:060:31:10

last few weeks and Theresa May

hasn't said any type of the customs

0:31:100:31:15

union, just a customs union we know?

Call it what you will, she has ruled

0:31:150:31:21

out the customs union time and time

again. She is going to get is the

0:31:210:31:26

best deal possible, we have to be

willing to negotiate and put things

0:31:260:31:30

on the table. There is scope for a

future trade deal between the UK and

0:31:300:31:34

the EU but right now we are waiting

for the EU to come back with

0:31:340:31:38

something reasonable. She is ruling

out staying in what we have now, but

0:31:380:31:43

she's not ruling out any future

relationship?

Grace, you are looking

0:31:430:31:48

unimpressed?

It is always going on,

this Brexit stuff. I suppose she has

0:31:480:31:54

now made a decision so that is good.

If we are not in the customs union

0:31:540:32:01

we have free movement. I think it is

good we have made a decision we will

0:32:010:32:05

not be in the customs union.

So that

is quite good.

What about on this

0:32:050:32:10

site? We talked about earlier, I

think I will always want to remain,

0:32:100:32:21

but you either Brexit and you go

properly or you do not do it at all.

0:32:210:32:25

If you want to Brexit properly, you

need to come out of the customs

0:32:250:32:30

union.

Absolutely, there isn't a

playbook for this, this is the first

0:32:300:32:34

time a country has tried to leave

the EU, Theresa May doesn't have a

0:32:340:32:39

precedent and Theresa May is trying

to do as good a job as possible.

0:32:390:32:46

Things people are saying, Margaret

Thatcher wouldn't do this, Churchill

0:32:460:32:50

wouldn't do this. She is not

Margaret Thatcher or Churchill, she

0:32:500:32:54

is Theresa May.

Harry, what do you

say?

Theresa May is doing as good a

0:32:540:33:00

job as she can, she is being

lambasted by people on the Labour

0:33:000:33:06

side and also think tanks, the CBI

who want us to stay in the customs

0:33:060:33:09

union.

There are people in the

Conservative Party who want Britain

0:33:090:33:12

to stay in the customs union?

I

would dispute that.

I would

0:33:120:33:19

disagree, as Harry said it wasn't in

the Conservative manifesto. Most

0:33:190:33:24

people in the Conservative Party are

united behind the Prime Minister to

0:33:240:33:29

get the best deal possible. The best

deal is a full Brexit and nearly way

0:33:290:33:33

to achieve that is to leave the

customs union.

What do you think,

0:33:330:33:37

Sophie?

Europe has plagued the

Conservative Party for decades now,

0:33:370:33:43

so it's not unusual that the leader

is struggling. I think any leader,

0:33:430:33:48

including Margaret Thatcher would

have struggled with this.

Yes, I

0:33:480:33:53

agree with what Sophie is saying, it

is a hard one, but I was pleased to

0:33:530:33:58

hear the Prime Minister has come out

and said we will not stay in the

0:33:580:34:01

customs union. I have heard and read

there has been different views along

0:34:010:34:06

the way, different statements made.

I think now she has to hold her

0:34:060:34:10

ground and get with it, do it and

stand firm. You cannot keep messing

0:34:100:34:15

around and playing both sides of

your party.

Where do we go now? We

0:34:150:34:20

know it is a critical week, Michel

Barnier is having meetings with

0:34:200:34:24

David Davis and also Theresa May.

Craig, how do you think generally,

0:34:240:34:30

the Brexit negotiations are going?

I

think they could have gone better.

0:34:300:34:36

Theresa May doesn't have the

authority so even after today when

0:34:360:34:39

she said we will be staying in, MPs

will be going on TV saying, I think

0:34:390:34:45

we should do this, I think we should

do that because she doesn't have a

0:34:450:34:49

grip of her MPs to say, this is what

we are doing. They still think they

0:34:490:34:53

can sway her opinion because she

keeps changing her mind.

You are

0:34:530:34:58

nodding?

I want to go back when

David Davis was being appointed as

0:34:580:35:04

Brexit minister. He said in one of

the articles, we will do trade

0:35:040:35:09

negotiations with each country in

the EU. It is not possible. How can

0:35:090:35:16

the Brexit minister say something

like that he should have been aware

0:35:160:35:19

he has to negotiate with the whole

block. In my opinion, the feedback

0:35:190:35:24

is coming from the wrong people.

That is why the government is

0:35:240:35:28

fractured. We have ministers on one

side saying we want a hard Brexit

0:35:280:35:31

and others saying we do not want it.

Other saying we will stay in the

0:35:310:35:35

customs union. We have Dominic Ryan

saying we want a hard Brexit. --

0:35:350:35:43

Dominic Raab. Boris Johnson promised

350 million coming back to the UK.

0:35:430:35:50

Where is it? The NHS is fractured,

the NHS is in shambles right now. We

0:35:500:35:55

have doctors, we need doctors, we

need nurses. We are telling people

0:35:550:35:59

you cannot come in the EU, we are

telling people you cannot come from

0:35:590:36:04

the developing countries, how will

we cope with the NHS?

Philip as just

0:36:040:36:10

tweeted saying I am sick and tired

of the national interest being held

0:36:100:36:15

hostage to the sectional infighting

of the Tory party. Stop Brexit now.

0:36:150:36:20

Is that the problem, Theresa May

cannot keep everybody happy, so

0:36:200:36:24

should she make a decision and stick

to it?

Yes, if you make the

0:36:240:36:29

decision, MPs can get behind her,

the country can get behind her and

0:36:290:36:33

she can go to the EU with something

solid and a deal can be achieved.

0:36:330:36:37

She needs to be bold.

It is more

politics, she needs to be a strong

0:36:370:36:44

leader because this is what the

country voted for so it is time for

0:36:440:36:48

her to stand up and then the country

can get behind her. Her Cabinet and

0:36:480:36:53

MPs can get behind her, at the

moment she is not showing enough

0:36:530:36:56

strength.

Issue strong enough to do

that if Boris Johnson and other

0:36:560:37:02

members of the Cabinet are saying

different things, you are shaking

0:37:020:37:06

your head?

MPs don't respect her

enough. She is going to say that and

0:37:060:37:10

they will go off and do whatever

they want as they have been doing.

0:37:100:37:14

There is no unity in the party.

Let's take an example of cricket, if

0:37:140:37:20

the whole team is trying to win,

they will win the game. But if one

0:37:200:37:24

player does not try, they will not

win the game. Theresa May may be

0:37:240:37:28

trying to win the game, but her

ministers are saying things, she's

0:37:280:37:34

saying something today and then her

ministers say something tomorrow.

0:37:340:37:38

You cannot win the game if somebody

picks up the bat and takes the ball

0:37:380:37:42

home.

If you ask grassroots members,

most of them are behind Theresa May.

0:37:420:37:49

They will say she is doing a

difficult job, a hard job and nobody

0:37:490:37:53

knows what is happening.

Those are

the party members, I am talking

0:37:530:37:58

about the Cabinet.

You are shaking

your head?

Jacob Rees Mogg, it is a

0:37:580:38:05

nail in the head every time he

speaks about this. Every time he

0:38:050:38:10

speaks on the EU issue, it is music

to my ears, he is the only one

0:38:100:38:15

making any sense. Theresa May is

scared of making a decision. Bali

0:38:150:38:20

she has made a decision about the

customs union. You say one thing but

0:38:200:38:26

do another, often with the

manifesto.

Who thinks Theresa May is

0:38:260:38:30

doing a good job, show of hands? He

was on show? Who think she is doing

0:38:300:38:35

a terrible job? OK. Do we think

amongst you guys as Tory voters,

0:38:350:38:45

supporters and activists, can she

see this out? If you read any of the

0:38:450:38:48

papers at the weekend there were

plots left, right and centre, so we

0:38:480:38:53

are told to get rid of her?

Can you

anything worse right now in a

0:38:530:38:59

fractured party, a leadership

election?

If we have a leadership

0:38:590:39:03

election, it would go to a general

election. Then Jeremy Corbyn would

0:39:030:39:08

be Prime Minister and nobody wants

that. We are unified behind the

0:39:080:39:12

Prime Minister staying in place.

We

have the paper Saint Boris Johnson

0:39:120:39:17

will be the Prime Minister, Michael

Gove will be the deputy and Amber

0:39:170:39:22

Rudd will be the Home Secretary, we

don't know.

You also had Jacob Riis

0:39:220:39:28

Mark as Chancellor of the Exchequer.

How can you be talking about Brexit

0:39:280:39:34

on the one hand and then a coup on

the other hand.

It is misleading the

0:39:340:39:38

public. It is the papers on a slow

news week while the Prime Minister

0:39:380:39:43

was in China.

It wasn't a slow news

week, was it?

Media speculation. The

0:39:430:39:50

papers want a story to put out. The

truth is, there are conservatives on

0:39:500:39:56

either side who are concerned about

certain aspects of the EU

0:39:560:40:00

negotiation. There are some people

who voted remain who might be

0:40:000:40:04

turning towards softer. Some

Brexiteers want the done but the

0:40:040:40:09

party is united behind Theresa May.

Michael Gove lead Boris Johnson down

0:40:090:40:15

a path and then we have the

infighting in the party again. Where

0:40:150:40:19

is the unification?

If you don't

think Theresa May is doing a

0:40:190:40:25

particularly good job and we hear

about these rumours constantly about

0:40:250:40:29

plotters, let's look at the names

being thrown around. Grace has

0:40:290:40:33

mentioned one, Jacob Riis McComish

he is the man for you?

Yes.

Why?

The

0:40:330:40:42

way he conducted himself. Blair said

are the peacemakers, Jacob. He has

0:40:420:40:46

got guts.

I think he has. My liking,

I think he is an excellent

0:40:460:40:54

parliamentarian and I think the rest

of Parliament love him on both

0:40:540:40:57

sides. But he is so socially

conservative, anti-abortion,

0:40:570:41:01

anti-gay marriage and anti-drug

reform. If we do have another

0:41:010:41:05

election young voters will not

appeal to him at all.

Jacob Rees

0:41:050:41:09

Mogg, I am an active party member,

but if Jacob Rees Mogg became leader

0:41:090:41:14

of the party, that would be the

trigger for me to my membership.

I

0:41:140:41:18

wouldn't go that far, he's a

gentleman, a lovely guy. His

0:41:180:41:23

policies... I think people make a

lot out of his social conservatives.

0:41:230:41:30

If you are Prime Minister I don't

think he would have a hard line.

0:41:300:41:38

That nuance would get through to the

media and people would see him as an

0:41:380:41:42

anachronism.

He is too socially

conservative people of my

0:41:420:41:48

generation, certainly for myself. At

the moment, I see no alternative to

0:41:480:41:53

Theresa May. I see the fact that the

Tory party will be fractured if we

0:41:530:41:58

have another leadership election as

it was in the 1990s over Europe.

0:41:580:42:02

That led to Tony Blair getting a

massive majority in 1997. With

0:42:020:42:06

Jeremy Corbyn being to the left of

Tony Blair, we cannot risk a Labour

0:42:060:42:11

government.

Let's look at other

names being touted as potential

0:42:110:42:17

leaders of the Conservative Party,

Boris Johnson? Not a safe pair of

0:42:170:42:22

hands. There was a sharp intake of

breath.

He says a lot of things and

0:42:220:42:28

he has got people in trouble. The

Iranians lady is in jail because of

0:42:280:42:34

the statement said by Boris Johnson

in a way.

He is too much of a loose

0:42:340:42:38

cannon?

Yes.

People liked him before

he was Foreign Minister but now

0:42:380:42:44

people are not back clean.

Would you

want him in charge? Not at all.

When

0:42:440:42:51

he was Mayor of London when he had

more freedom and could set his own

0:42:510:42:55

agenda, he was brilliant. But as a

Prime Minister, he would be very

0:42:550:43:01

constrained, couldn't bring out his

own personality. He will have to

0:43:010:43:04

work in a more collegiate

environment and I don't think he

0:43:040:43:06

would fit in that. I do think he

would connect with the public quite

0:43:060:43:11

well, but at the same time, do we

want to unleash the beast, as it

0:43:110:43:15

were?

Gavin Williamson, another

name?

I think he can do it. You need

0:43:150:43:23

someone strong who will keep the

party and the government together.

0:43:230:43:26

We saw him as Chief Whip and never

lost a vote. He is far enough away

0:43:260:43:37

from the Cabinet, not tarnished with

the incompetence we have seen in the

0:43:370:43:40

rest of the Cabinet. He is fresh and

could potentially do it.

0:43:400:43:49

could potentially do it.

I cannot

even remember who Gavin Williamson

0:43:490:43:50

is!

We will get a picture for you.

He is the Defence Secretary at the

0:43:500:43:57

moment.

Is he, OK.

Another name

being mentioned, Amber Rudd, a

0:43:570:44:05

female?

I think Amber Rudd, she is a

remain and grassroots members will

0:44:050:44:16

be sceptical about her and she has a

tiny majority in Hastings and I

0:44:160:44:21

think Labour will target their

resources into that seat.

People

0:44:210:44:25

throw around terms of one Nation,

Thatcherite, they are just

0:44:250:44:30

conservatives, they are terms people

use to divide us. She is a very good

0:44:300:44:35

Conservative, will follow the

Conservative manifesto. If she did

0:44:350:44:38

become the leader, I think she would

do a good job. I am behind Theresa

0:44:380:44:43

May, but Amber Rudd, but tensely for

the future.

She is very charismatic.

0:44:430:44:47

She connects with people on a

personal level.

What about Dan

0:44:470:44:52

Hannan?

He has personally said to

me, he will not be pursuing a career

0:44:520:44:58

in politics when Britain leaves the

EU when MEPs have to resign. I

0:44:580:45:04

really like him, I think he will

make a good Cabinet minister, but at

0:45:040:45:08

the same time, I am not sure.

Lot of

you getting in touch. Ben says this

0:45:080:45:15

Brexit programme has been

mismanaged. Ministers dodging and

0:45:150:45:18

lined with no answers to questions.

It is going to be a hard Brexit,

0:45:180:45:22

just wait and see. Another tweet

saying, without another customs

0:45:220:45:26

union what we do without the Irish

border. And Steve has treated, the

0:45:260:45:32

customs union is more than free

movement of goods, it is about

0:45:320:45:36

standards, said goods and safe

foods. Perhaps the hash tag biased

0:45:360:45:40

BBC should state the facts. That is

our intention, some people may

0:45:400:45:44

disagree. Thank you all for taking

the time out to speak to this

0:45:440:45:47

morning.

0:45:470:45:49

Coming up:

0:45:490:45:50

The Lloyds banking group has

banned its customers

0:45:500:45:51

from using their credit cards to buy

bitcoin and other

0:45:510:45:54

virtual currencies.

0:45:540:45:55

We'll find out why the bank thinks

eight million people could end up

0:45:550:45:58

running up debts they could never

repay.

0:45:580:46:06

More than half of former

professional sports people have had

0:46:100:46:12

concerns about their mental

or emotional wellbeing

0:46:120:46:14

since retiring.

0:46:140:46:15

That's according to a survey

which suggests one in two ex-players

0:46:150:46:18

of the 800 who responded

to the Professional Players'

0:46:180:46:20

Federation survey did not feel

in control of their lives within two

0:46:200:46:23

years of finishing their careers.

0:46:230:46:31

Retired athletes also told the BBC

they "lose their identity""

0:46:310:46:33

when they finish playing sport,

experiencing "loss",

0:46:330:46:35

"regret" and "devastation".

0:46:350:46:42

"I never want to sit

on a horse again.

0:46:420:46:44

I can't take it anymore".

0:46:440:46:45

The words of Royal Ascot winning

jockey George Chaloner

0:46:450:46:47

who was forced to retire at 25

after a number of bad falls.

0:46:470:46:50

He tells how although the injuries

heal relatively quickly,

0:46:500:46:52

it takes much longer to get over

the mental trauma.

0:46:520:46:55

This is his story.

0:46:550:47:00

It started when I was in hospital in

Newcastle.

0:47:000:47:08

Back around in front. Professor is

flying home.

0:47:290:47:39

Let's talk now to Paul Highton,

he's an ex-Salford City Reds

0:49:090:49:12

rugby league player.

0:49:120:49:13

He had three years of prescription

drug addiction, failed business

0:49:130:49:16

and suicidal thoughts

after retiring from playing.

0:49:160:49:19

One of his former team-mates

and close friends from his rugby

0:49:190:49:21

playing days didn't make it out

the otherside like him and is now

0:49:210:49:25

in jail following being

convicted for armed robbery.

0:49:250:49:28

This is his first TV interview

about his experiences.

0:49:280:49:35

Thank you so much for coming in.

0:49:350:49:38

When you went into rugby league it

was a time when the game was turning

0:49:390:49:44

professional and you decided to

leave your studies behind and focus

0:49:440:49:48

on the game, did that ever feel like

a gamble, a risk, in those early

0:49:480:49:52

days?

Not really. It was a child he

childhood dream. -- it was a

0:49:520:49:58

childhood dream. It was an easy

transition for me to jump into that.

0:49:580:50:02

As you said, I put my studies on the

back burner and it was always going

0:50:020:50:06

to be next season, I will start

studying next year and you get

0:50:060:50:10

wrapped up in a new contract. You

think everything is rosy for a few

0:50:100:50:14

years and towards the back end of

those careers, those contracts, you

0:50:140:50:17

think what is next.

What is that

point in your career? Literally as

0:50:170:50:22

you are heading

0:50:220:50:29

you are heading towards the end or

did you give it any thought before

0:50:290:50:31

that?

I started to consider it when

I had a pretty bad injury, broke my

0:50:310:50:34

arm and I was ample 16 weeks. It was

quite levelling. -- and I broke my

0:50:340:50:37

arm and I was out for 16 weeks. You

think you are a superhero but you

0:50:370:50:40

are not, you will eventually end

your career. My legs stopped being

0:50:400:50:43

as quick as they should have been.

The injuries will get you. I started

0:50:430:50:49

putting things in place, started

seeing people, who got to the end of

0:50:490:50:54

their careers with nothing. That is

not what I wanted to be.

Did you

0:50:540:50:58

have support from within the sport

to look ahead to what you might do

0:50:580:51:02

after your rugby career was over?

Back then there was very little.

0:51:020:51:05

There certainly wasn't the player

welfare manager role, which either

0:51:050:51:09

film now with Salford. There was

nothing like that. I got a pat on my

0:51:090:51:17

back, thanks to your efforts and

could luck with the next part of

0:51:170:51:23

your career. -- good luck with.

When

you had effectively retired from

0:51:230:51:27

rugby league and your contract

finished, is it quite frightening?

0:51:270:51:30

Presumably you have quite a

structured life as a sports person

0:51:300:51:34

and then you can do anything.

I

related quite a lot to the military.

0:51:340:51:38

Everyday I was told what top to

wear, shorts to work, what colour

0:51:380:51:42

socks, I was told my breakfast 's

was ready, the pills and potions

0:51:420:51:46

after a training session, protein.

Everything was done for you. When

0:51:460:51:52

away from you and you leave the

sport, is I found myself having to

0:51:520:51:56

deal with these things myself. That

bubble had gone. It is quite

0:51:560:52:01

frightening. I spent the best part

of 20 years with 30 of my best

0:52:010:52:05

friend and then you play your last

game on a Sunday and the money

0:52:050:52:08

morning I am sat on the sofa

thinking, is this it, what's next? I

0:52:080:52:14

set about business and took a lot of

my focus. 18 months down the line

0:52:140:52:19

when I took my eye off the ball,

that is when things got difficult.

0:52:190:52:24

What happened? I had quite a few

injuries.

I went through a period of

0:52:240:52:28

time. I was having things patched up

and I was taking something called

0:52:280:52:32

tramadol. At the time, that was

quite readily available in the

0:52:320:52:38

sport. It was easy to get hold of.

Quite easy to manipulate your club

0:52:380:52:44

doctor and your personal GP. I

started using those for everything

0:52:440:52:47

apart from what they were there for.

They used to chill me out, they

0:52:470:52:52

helped me sleep, it gave me

confidence. I was using them for the

0:52:520:52:56

wrong thing. Compared to what I

should have stayed on, it was almost

0:52:560:53:00

three years. It should have been two

months. It was spiralling from that

0:53:000:53:07

point. I tried to change where I was

thinking with the pills.

Was that

0:53:070:53:11

links to retirement?

I think so.

Hindsight is a wonderful thing.

0:53:110:53:16

Maybe I have an addictive

personality, it doesn't matter if it

0:53:160:53:19

is a bag of midget gems or a strip

of tramadol, they went. Looking

0:53:190:53:25

back, you can join up the dots as

you look backwards. I certainly used

0:53:250:53:29

prescription. Drugs and other things

-- prescription drugs. To stop the

0:53:290:53:35

way I was feeling at the time.

Did

your family know?

They did. I

0:53:350:53:40

thought I was doing a great job of

hiding it. I have a really

0:53:400:53:44

supportive family. My partner at the

time. They had got wind of this.

0:53:440:53:49

They had understood and they made a

call to the rugby league which was

0:53:490:53:52

properly the best phone call they

could have made. To the head of

0:53:520:53:56

welfare. Within two or three days, I

was down talking to a guy from

0:53:560:54:01

sporting chance, Tony Adams. A

charity the looks at a sports people

0:54:010:54:06

with addictive disorders and

depression. I was sat in a hotel

0:54:060:54:09

room talking to a guy I had never

met before, telling him my darkest

0:54:090:54:13

secrets and it was the most

cathartic thing I have ever done.

0:54:130:54:18

Certainly the most worthwhile. I

would love to say life got perfect

0:54:180:54:21

from that point but it certainly

gave me clarity and some way of

0:54:210:54:24

fixing what was going on with

myself.

Do you think it is harder

0:54:240:54:29

for successful sportspeople to

accent is and say, openly, I can't

0:54:290:54:33

cope -- to accept and say.

It is

difficult. It is a man thing in

0:54:330:54:39

general. I do a lot of work with a

men's mental health charity called

0:54:390:54:45

Off-road, that is the theme, getting

men to open and be honest about the

0:54:450:54:51

way they feeling -- Off-load, that

is the theme. Players tell their

0:54:510:54:57

story and make this real. It puts

everything on a platform, mental

0:54:570:55:01

health doesn't discriminate. It

doesn't matter how big your bank

0:55:010:55:04

balance or your car is. Everyone has

mental health and some a better

0:55:040:55:08

mental health than other. It is

difficult for a rugby player, they

0:55:080:55:12

are perceived machismo kind of

thing, we don't show any emotions.

0:55:120:55:16

We are Warriors and that can only go

on for so long. The sport is doing

0:55:160:55:21

huge things around that at the

moment to get people to be honest

0:55:210:55:24

and open about the way they are

feeling.

Do you have a definitive

0:55:240:55:27

moment in your mind that you think

was your darkest moment? Where you

0:55:270:55:32

felt that you actually had to face

this.

I had wrapped up my business a

0:55:320:55:38

couple of months prior. Things were

not going well with the partner I

0:55:380:55:40

was with at the time. The only way I

felt I could sort this out was to do

0:55:400:55:46

it myself. That was a big mistake. I

moved out of home, I got myself

0:55:460:55:51

somewhere which would be my haven to

get my head sorted and it was just a

0:55:510:55:56

green light to continue doing what I

was doing because I had nobody

0:55:560:55:58

looking over my shoulder. I got to

the point where everybody hits their

0:55:580:56:04

own rock bottom, doesn't matter what

yours is, it's personal to you and I

0:56:040:56:07

got to the point where I was sick

and tired of being sick and tired.

0:56:070:56:11

And upsetting people and worrying my

family. It was time to do something

0:56:110:56:16

about it. That phone call to

Sporting Chance was the best thing

0:56:160:56:21

that could have ever happened to me.

Was it about filling your time after

0:56:210:56:26

retirement? Or is it about getting

those highs? That must be the

0:56:260:56:30

difficult thing, do have those

incredible highs. The celebrity, all

0:56:300:56:35

of that. Do you need to replicate

that or do you need to learn that

0:56:350:56:39

you can't replicate that and you

need to do something different?

It

0:56:390:56:43

is about learning you can't

replicate that but finding something

0:56:430:56:45

to replace that in terms of what

gives you purpose, pleasure and gets

0:56:450:56:49

you up in the morning. That was a

difficult thing. I use the term that

0:56:490:56:54

I still didn't know what I wanted to

be when I grew up. I got to the end

0:56:540:56:57

of my career and set up a supposed

abutment company but even that

0:56:570:57:03

didn't fulfil me in the way my

current role does. It just filled a

0:57:030:57:07

gap to speak and pay the bills. It

was very difficult going from doing

0:57:070:57:10

your most favourite thing in the

world, playing sport for 20 years

0:57:100:57:14

and trying to find something that

I'm going to do probably for twice

0:57:140:57:16

as long again. But wanting to enjoy

it again, that was difficult. That

0:57:160:57:24

loss of identity, structure, that

was something I really struggled

0:57:240:57:26

with.

Thank you.

0:57:260:57:30

And if you want help or support

for addiction and gambling issues -

0:57:300:57:34

you can find a list of information

on the BBC's action pages -

0:57:340:57:37

bbc.co.uk/actionline.

0:57:370:57:40

Let's get the latest

weather update with Lucy.

0:57:400:57:43

How much snow is there out there,

there have been warnings.

There

0:57:470:57:53

certainly have been warnings, yellow

weather warnings in place for today

0:57:530:57:56

and tomorrow. We have seen some snow

showers this morning. This week will

0:57:560:58:01

stay fairly wintry. Temperatures

stay involved with a widespread

0:58:010:58:05

frost and some snow at times. --

staying cold. A photo from a Weather

0:58:050:58:10

Watcher earlier, some snow in East

Sussex. Similarly wintry scenes sent

0:58:100:58:15

in. The majority of the snow this

morning has been in the south-east.

0:58:150:58:24

As we move through today, we will

start to see showers easing but they

0:58:240:58:29

will gradually drift west through

the day. Away from those showers,

0:58:290:58:32

there is a lot of dry weather, some

good spells of sunshine developing

0:58:320:58:37

as we move through the day. Brisk

north-easterly wind in the south

0:58:370:58:41

which will ease as we move through

the day that accentuate the fact

0:58:410:58:44

that the temperatures are not

particularly warm, mid-to single

0:58:440:58:47

figures for many of us. This evening

and overnight, the wind will pick up

0:58:470:58:51

ahead of this band of cloud and rain

that will push its way into Northern

0:58:510:58:56

Ireland and Scotland. Firstly

falling as rain and then sleet and

0:58:560:59:00

snow bringing snow for Northern

England, Wales and into the early

0:59:000:59:03

hours. Clearer skies, mostly dry and

it will be cold. One or two patches

0:59:030:59:10

of freezing fog in the Midlands.

Behind it, heavy wintry showers

0:59:100:59:13

feeding into the north-west. A cold

start tomorrow, a frosty start and

0:59:130:59:18

some of us seeing snow on the ground

first thing. It will start to edge

0:59:180:59:24

south as we move through the day,

breaking up as it does. It will

0:59:240:59:29

become light and patchy. Behind it,

bright intervals feeding in. Also,

0:59:290:59:35

heavy and potentially thundery and

wintry showers. In the south-east,

0:59:350:59:39

staying largely dry with some

brightness. Temperatures not feeling

0:59:390:59:44

very warm, maximum of four Celsius.

Tuesday evening, that band of snow

0:59:440:59:51

and sleet will reinvigorate. Across

East Anglia and parts of the

0:59:510:59:56

south-east continuing to see clearer

skies behind it. We are looking at

0:59:561:00:01

another cold and frosty night. The

weather front clears the south-east

1:00:011:00:04

as we move through the night into

Wednesday that already waiting in

1:00:041:00:07

the wings is the next weather front

bringing rain and the risk of snow.

1:00:071:00:12

Dry weather ahead of the weather

front. Some brightness although it

1:00:121:00:16

will turn increasingly cloudy from

the Northwest. Another chilly day.

1:00:161:00:24

Hello, it's 10:00am.

1:00:261:00:32

The UK insists it will lead the

customs union when it leaves the EU.

1:00:321:00:39

Is it enough to win Theresa May some

1:00:391:00:42

support with conservative voters?

Theresa May is scared of making a

1:00:421:00:47

decision. At least she has made a

decision about the customs union,

1:00:471:00:51

which is unusual for her.

1:00:511:00:55

Someone says this is the most

thankless period any Prime Minister

1:00:551:01:00

will face, catapulted into a job to

take us through the toughest period

1:01:001:01:03

this country will face. Also on the

programme...

1:01:031:01:08

They were marketed as holidays

without hassle but we've been told

1:01:081:01:10

that thousands of people

are finding their timeshares

1:01:101:01:12

too complex and too

costly to get out of.

1:01:121:01:14

I try to sell it, I tried to give it

away. Nobody wanted it because the

1:01:141:01:20

maintenance fees were going up and

up. We were also told, if there

1:01:201:01:24

comes a time when you don't want it

and you decide that is it, we will

1:01:241:01:29

buy it back from you.

More on our

exclusive story.

1:01:291:01:38

exclusive story. One man says he is

£20,000 out of pocket after spending

1:01:411:01:46

money on a time-share property in

Spain.

1:01:461:01:50

Is it worth getting a degree?

1:01:501:01:51

In a speech later today an MP

in charge of the education select

1:01:511:01:54

committee will say that

between a fifth and a third

1:01:541:01:57

of graduates are taking

on non-graduate jobs.

1:01:571:01:59

Good morning.

1:01:591:02:01

Here's Annita in the BBC Newsroom

with a summary of todays news.

1:02:011:02:06

Good morning.

1:02:061:02:08

A Downing street source has ruled

out the prospect of Britain staying

1:02:081:02:11

in any kind of European customs

union after Brexit.

1:02:111:02:13

The statement came after days

in which the strong supporters

1:02:131:02:16

of leaving had criticised

Theresa May for not taking

1:02:161:02:20

a stand on the issue.

1:02:201:02:25

The customs union allows goods made

in the EU to move around the bloc

1:02:251:02:28

without tariffs and with few checks,

but it prevents members

1:02:281:02:30

from striking their own free-trade

deals with other countries.

1:02:301:02:32

There's been a significant fall

in the number of new cars

1:02:321:02:35

being sold in the UK,

according to figures

1:02:351:02:37

released in the last hour.

1:02:371:02:38

Sales fell 6.3% in January,

down to 163,000 cars from 174,000

1:02:381:02:41

in the same month a year ago.

1:02:411:02:44

Most of the decline

was down to a large drop

1:02:441:02:48

in the demand for diesel cars.

1:02:481:02:51

Customers of the Lloyds banking

group have been banned

1:02:511:02:53

from using their credit cards to buy

virtual currencies such as bitcoin.

1:02:531:02:56

The decision affects all account

holders with Lloyds Bank,

1:02:561:02:59

Bank of Scotland, Halifax and MBNA.

1:02:591:03:02

The group says it's protecting

customers from running up debts

1:03:021:03:04

they could never repay.

1:03:041:03:08

A new ring-fenced tax to fund

the NHS and social care in England

1:03:081:03:11

has been proposed by a panel

of health experts.

1:03:111:03:14

The panel, set up by

the Liberal Democrats,

1:03:141:03:17

says the NHS in England should be

given an extra four billion pounds.

1:03:171:03:20

The government says it prioritsed

NHS funding at the last Budget,

1:03:201:03:23

providing £2 billion

for social care.

1:03:231:03:28

The sole surviving suspect

from the Paris terror attacks

1:03:281:03:31

of 2015 will go on trial

in Belgium today.

1:03:311:03:35

Salah Abdeslam, faces charges

relating to a shoot out he had

1:03:351:03:38

with police while on the run

in Belgium in 2016.

1:03:381:03:43

He faces a second trial relating

to his involvement in the Paris

1:03:431:03:46

attacks at a later date.

1:03:461:03:48

This programme has been told that

thousands of people desperate to get

1:03:481:03:52

out of their timeshare contracts

are currently unable

1:03:521:03:53

to because it is far

too complex and costly.

1:03:531:03:59

A time-share usually involves paying

a one-off lump sum in return

1:03:591:04:01

for being able to use the property

for an agreed number of weeks each

1:04:011:04:05

year, every year for life.

1:04:051:04:06

The actress, Kim Cattrall,

has confirmed her brother

1:04:061:04:09

has died unexpectedly,

hours after appealing to fans

1:04:091:04:11

for help in finding him.

1:04:111:04:14

The Sex and the City star

had posted a photograph

1:04:141:04:18

of Chris Cattrall on social media,

saying he'd disappeared

1:04:181:04:20

from his home in Alberta, Canada.

1:04:201:04:24

Canadian police say there's no

reason to believe his

1:04:241:04:26

death was suspicious.

1:04:261:04:28

The US reality TV star,

Kylie Jenner, confirmed

1:04:281:04:31

on Sunday that she has

1:04:311:04:32

given birth to a baby girl.

1:04:321:04:34

The 20-year-old was rumoured

to be expecting a child,

1:04:341:04:36

but had remained quiet

about her pregnancy.

1:04:361:04:39

Jenner announced on Instagram

that she had given birth

1:04:391:04:41

on the 1st of February.

1:04:411:04:43

She apologised for keeping her

followers and fans in the dark.

1:04:431:04:46

That's a summary of the latest BBC

News - more at 10.30.

1:04:461:04:54

Lots of you getting in touch this

morning about the Brexit

1:04:571:05:00

negotiations. It is a big week.

David Davis, the Brexit secretary

1:05:001:05:06

talking to Michel Barnier from the

U. We had a discussion with some

1:05:061:05:10

voters earlier on about what they

were making over the conversations.

1:05:101:05:16

Michelle has e-mailed saying it is

not good to criticise EU Theresa

1:05:161:05:23

May. Ken has treated, Jacob Rees

Mogg, I would find it easier to

1:05:231:05:29

believe he was a friend of Sherlock

Holmes or had invented the vacuum

1:05:291:05:34

cleaner than be Prime Minister.

1:05:341:05:37

Do get in touch with us

throughout the morning,

1:05:371:05:40

use the hashtag Victoria live

and If you text, you will be charged

1:05:401:05:43

at the standard network rate.

1:05:431:05:44

Here's some sport now with Sarah.

1:05:441:05:45

Let's start with the Super Bowl,

where it was third time lucky

1:05:451:05:48

for the Philadelphia Eagles -

1:05:481:05:49

runners up in 1980 and 2004,

but the franchise finally

1:05:491:05:52

won their first Superbowl overnight.

1:05:521:05:53

And what an upset they caused,

their fans had taken to wearing dog

1:05:531:05:59

masks in the lead up to this,

such was the Eagles' underdog status

1:05:591:06:02

coming into this game.

1:06:021:06:03

But in a final that will go

down as one of the best,

1:06:031:06:06

they beat the favourites

and defending champions the

1:06:061:06:08

New England Patriots in Mineappolis.

1:06:081:06:09

Let's have a look at the touchdown

they're saying will be

1:06:091:06:12

shown a billion times.

1:06:121:06:13

Nick Foles, who led magnificiently

on the night, became the first

1:06:131:06:15

quarterback to throw and catch

touchdowns in Superbowl history.

1:06:151:06:17

He only came into the side

towards the end of the regular

1:06:171:06:20

season as an injury replacement.

1:06:201:06:21

I mean, that is what life is about

right there. We are super Bowl

1:06:211:06:26

champions, but time does stop when

you look at your daughter's eyes and

1:06:261:06:29

you get to celebrate this moment. I

get to look my wife's eyes. My wife

1:06:291:06:37

has been there through everything,

my family has been there to

1:06:371:06:39

everything and to be in this moment,

celebrate this moment, that is what

1:06:391:06:44

it is about. I am just grateful.

1:06:441:06:47

And if the football is not your

thing, there's always the half time

1:06:471:06:50

show for entertainment.

1:06:501:06:51

This year it was Justin Timberlake

wowing the crowds.

1:06:511:06:54

The 12-minute performance included

a tribute to Prince,

1:06:541:06:57

he ended up in the middle

of the crowd.

1:06:571:06:59

Where this 13-year-old may just be

the most popular person

1:06:591:07:03

in his school today,

bagging a selfie with the star.

1:07:031:07:07

And while it doesn't take long

to find that selfie online.

1:07:071:07:11

Ryan McKenna the lucky 13-year-old

and it seems the internet has

1:07:111:07:13

fallen in love with him.

1:07:131:07:17

#selfiekid seemed to be his twitter

name and now many are calling him

1:07:171:07:20

the Superbowl's MVP in place

of quarterback Nick Foles.

1:07:201:07:25

What a start to the Six

Nations this weekend,

1:07:251:07:27

Wales with a stunning victory over

Scotland and the last minute drop

1:07:271:07:30

goal for Ireland to steal

the win against France

1:07:301:07:32

on Saturday, and then yesterday

it was England's turn

1:07:321:07:34

as they began their defence

of the title.

1:07:341:07:36

And it went pretty well.

1:07:361:07:37

They ran in seven tries for a bonus

point win over Italy in Rome.

1:07:371:07:41

A nice Six Nations debut for

Sam Simmonds though with two tries..

1:07:411:07:43

Worry for Ben Youngs,

the scrum half stretchered off

1:07:431:07:46

early with a knee injury.

1:07:461:07:47

46-15 the final score in Rome.

1:07:471:07:48

In the women's Six Nations -

England put in a huge

1:07:481:07:51

performance yesterday,

beating Italy 42-7.

1:07:511:07:52

England Captain Sarah Hunter went

over for a hat-trick of tries

1:07:521:07:55

helping the defending champions

secure the bonus point.

1:07:551:07:57

Finally, Chelsea can go third if

they win at Watford tonight. There

1:07:571:08:03

was a dramatic finish at Anfield.

Totten substitute, Victor Wanyama,

1:08:031:08:09

smashed home this. Mo Salah popped

up again in stoppage time to score

1:08:091:08:16

what looked like a Liverpool win but

there was time for a second Spurs

1:08:161:08:22

penalty. The referee deemed this

foul on Erik Lamela.

1:08:221:08:30

And that Chloe

is your sport for now.

1:08:341:08:39

The actor, Hugh Grant has settled

his phone hacking damages action

1:08:391:08:44

against Mirror group newspapers at

the High Court. You will remember

1:08:441:08:47

that has been rumbling on for some

time. Hugh Grant has saddled the

1:08:471:08:51

damages action against the Mirror

group newspapers. Also we are

1:08:511:08:55

hearing Michel Barnier, the EU chief

negotiator has spoken this morning

1:08:551:08:59

and is in meetings this week with

Theresa May and David Davis. He has

1:08:591:09:04

said he is accelerating all of the

contacts in the Brexit talks because

1:09:041:09:07

there is not a moment to lose.

Speaking as he arrived at the train

1:09:071:09:15

station in Brussels to head to

London, he said, I am pleased to

1:09:151:09:18

catch up with David Davis just ahead

of the new rounds of negotiations

1:09:181:09:20

which will begin tomorrow. My

feeling is we have not a moment to

1:09:201:09:23

lose. There is so much work so we

have accelerated all the contacts,

1:09:231:09:29

the useful contacts. We would keep

an eye across any developments with

1:09:291:09:32

that.

1:09:321:09:33

This programme has been told that

thousands of people desperate to get

1:09:331:09:36

out of their timeshare contracts

are currently unable

1:09:361:09:38

to because it is far

too complex and costly.

1:09:381:09:40

Timeshares were very popular

in the 1980s and 1990s,

1:09:401:09:42

they were marketed as holidays

without the hassle, investors

1:09:421:09:44

were told their time-shares

would increase in value and be easy

1:09:441:09:47

to get out of, whenever they wanted.

1:09:471:09:49

But for many this didn't happen

and instead they've been left

1:09:491:09:53

with increasing maintenance charges

on a property they

1:09:531:09:55

can't get rid off.

1:09:551:09:56

Time-share groups say the industry

provides millions of people

1:09:561:09:59

with quality holidays every year.

1:09:591:10:02

We bought you our reporter

Anna Collinson's full report

1:10:021:10:04

earlier, here's a short extract.

1:10:041:10:12

It is the 1980s and hundreds of

thousands of people are signing

1:10:171:10:22

contracts which promise cheap

sunshine and convenient getaways.

1:10:221:10:24

Normally in Spain.

1:10:241:10:34

Normally in Spain. Many of those

people are now retired or close to

1:10:341:10:37

it and they can no longer afford or

use their time-share. So what

1:10:371:10:43

happens then?

Standing outside the

lodge.

Wendy met her partner in

1:10:431:10:52

1985.

-- 1995. She was quite

bumptious, but quite jolly with it.

1:10:521:11:00

The couple decided to get a

time-share.

It was an escape for me,

1:11:001:11:07

because I worked within the prison

service, it was freedom from being

1:11:071:11:12

shot within those walls.

But as the

years passed, the couple separated,

1:11:121:11:18

Wendy retired and Ann's health

deteriorated. They could no longer

1:11:181:11:23

use their time-share but every year

were paying £900 to cover its

1:11:231:11:28

maintenance fees.

Then I tried to

sell it, I tried to give it away.

1:11:281:11:32

Nobody wanted it because the

maintenance fees were going up and

1:11:321:11:35

up. We were also

1:11:351:11:42

up. We were also told if there comes

a time when you don't want it and

1:11:431:11:46

you decide, that's it, we will buy

it back from you. Never happen.

Some

1:11:461:11:49

companies are allowed time-share

owners to terminate agreements on

1:11:491:11:53

request, others only allow it if a

person is sick, elderly or bankrupt.

1:11:531:12:00

Ann was told she was on sick enough.

In October, she died. Ann spent the

1:12:001:12:07

last ten years of her life worrying

about this time-share, did it impact

1:12:071:12:12

on her health?

It certainly didn't

help. But time beat her. Not nice.

1:12:121:12:25

Industry bodies believed up to

600,000 people own time-shares in

1:12:251:12:31

the UK. Trading standards say if a

person wants to exit a time-share

1:12:311:12:36

they should contact their company

directly and in most cases, they

1:12:361:12:41

will let a consumer leave. If they

don't or there is a possibility of

1:12:411:12:45

mis-selling, you can get advice.

Time-share has a bad reputation. The

1:12:451:12:51

time-share companies are within

interest to keep them in their

1:12:511:12:53

time-share. It is difficult to get

released from them.

The resort

1:12:531:12:59

development organisation says it has

invested significant amounts of

1:12:591:13:03

money into investigating unethical

time-share companies. There will be

1:13:031:13:07

some people who say you time to

contract, you may not like it, but

1:13:071:13:10

you have to stick to it. What do you

say to that?

Yes, foolishly I did

1:13:101:13:18

and I didn't look deep enough into

it. Every door is shutting on me, I

1:13:181:13:23

cannot go anywhere. I cannot get

free of this thing. It is like a

1:13:231:13:28

disease, if you like, hanging over

you.

1:13:281:13:32

Your experiences of

timeshares very welcome.

1:13:321:13:33

Let's talk to, Stephen McGlade he's

a solicitor, representing people

1:13:331:13:36

who feel they've been

mis-sold time-share properties.

1:13:361:13:42

Paul gardner bougaard

is Chief Executive of

1:13:421:13:46

the Resort Development

Organisation which represents

1:13:461:13:47

time-share companies.

1:13:471:13:54

Also is Robert Ash, a time-share

investor who says he has lost over

1:13:541:13:58

£20,000. Thank you be joining us.

Paul, I would like to start with

1:13:581:14:03

you, you have seen the film and the

longest film earlier on.

Very

1:14:031:14:08

briefly.

One woman has compared her

time-share to living with a disease,

1:14:081:14:15

can you understand her frustration?

Yes, we come across these cases

1:14:151:14:20

quite frequently. I did ask the BBC

last week to let us know where these

1:14:201:14:28

results where and who the developers

were and the information wasn't

1:14:281:14:31

available. I did see the picture

this morning of that particular

1:14:311:14:35

bungalow. That isn't a resort member

by the looks of things. We have

1:14:351:14:40

strict code of in allowing people to

surrender their time-share and

1:14:401:14:45

provisions for people leaving their

time-share. We could have tried to

1:14:451:14:48

help this lady but we weren't given

the information. We have an

1:14:481:14:54

organisation called the time-share

task force which is trading

1:14:541:14:57

standards approved. They deal with

nonmember issues. There is a

1:14:571:15:05

helpline and website.

We camped on

you in touch with some of these

1:15:051:15:08

people if you feel you can assist

them and that would be fantastic.

I

1:15:081:15:12

call this the 8020 rule. It is

legacy time-shares, a lot of them.

1:15:121:15:18

This lady was 2005, I don't know

where she got it from. We have put

1:15:181:15:23

provisions in place to help these

people who are now retiring, they

1:15:231:15:27

are not well, they have died. They

all dealt with and a lot of members

1:15:271:15:33

will allow people to surrender their

time-share as long as the

1:15:331:15:36

maintenance is up today and they

wish to walk away from it.

1:15:361:15:43

1.2 million and round

1:15:431:15:45

1.2 million and round Europe and

$145 billion industry across the

1:15:451:15:49

world. Time-share sales were buoyant

last year, lots of people buying

1:15:491:15:55

time-share. Most is short-term and

the industry is trying to sort out

1:15:551:15:58

these people who have these

long-term time-shares who bought

1:15:581:16:01

back in the 80s and 90s.

Are they

sorting it out?

Coming back to the

1:16:011:16:06

legacy time-shares, when they first

bought them they were buying the

1:16:061:16:09

dream and they are now a nightmare.

They just want to get out. In

1:16:091:16:14

relation to this exit strategy that

you have, I was glad to hear early

1:16:141:16:18

on that you are willing to assist

with that.

More than happy.

Your

1:16:181:16:25

chairperson Susan Crook?

Executive

legal vice president.

She happens to

1:16:251:16:31

be the head of legal Counsel for

Diamond Resorts. There is a

1:16:311:16:37

conflict. I would like to put out an

invitation, invite her, we will send

1:16:371:16:44

a taxi, we will put her in a hotel,

to look to our files. We have so

1:16:441:16:48

many clients that fall into this

category.

Is that a conflict of

1:16:481:16:53

interest?

Of course not, we I trade

association. That is a rotating

1:16:531:16:59

chairperson.

Yes, but...

She is

elected by the board. Let's not go

1:16:591:17:04

into it personally, we have

complaints against Sarah Warrington

1:17:041:17:06

dealt with by the time-share task

force about the way you behave in

1:17:061:17:10

one of your cases has gone to the

legal ombudsman.

For a moment, if I

1:17:101:17:15

may, gentlemen, because also the

viewers at home will not be

1:17:151:17:18

interested in the personal spat

between you, they are interested in

1:17:181:17:24

the thousands of people affected by

this story. It is not just Sarah

1:17:241:17:27

Waddington's solicitors involved. We

spoke to a number of legal fans who

1:17:271:17:29

say that thousands of people have

been affected.

Can I deal with this?

1:17:291:17:34

I know that often you have said

before, this is on the fringes of

1:17:341:17:38

the industry. People who are members

of your organisation, this doesn't

1:17:381:17:43

happen, but that is thousands of

people.

It's not thousands of

1:17:431:17:46

people.

That is what we are being

told by solicitors firms.

I have two

1:17:461:17:50

brothers who are solicitors, I know

how they were, they get fees. Can I

1:17:501:17:54

get this entirely clear?

Citizens

advice bureau has said the same

1:17:541:17:57

thing.

They have and we work closely

with them. Your viewers may be

1:17:571:18:01

interested to know that it has cost

our organisation over £300,000 in

1:18:011:18:06

the last year or so to get the

authorities interested in bringing

1:18:061:18:13

fraud charges and some of these

people. I am not talking about

1:18:131:18:16

solicitors but the claims companies.

Lots of claims, it used to do PPI

1:18:161:18:18

work now do transfer to time-share

and other stuff. It has taken a

1:18:181:18:22

squat years and in excess of a quart

of a million powers to get the

1:18:221:18:25

authority to do something about this

-- it has taken four years.

What

1:18:251:18:28

about the people who use hot housing

tactics?

That's not time-share.

1:18:281:18:34

There are products being sold...

I

want to bring in Robert Ash,

1:18:341:18:39

listening to our conversation. Were

you subjected to a hot housing

1:18:391:18:44

technique to buy a time-share? Is

that what it is called? What

1:18:441:18:50

housing? Hot rooming?

In Europe,

yes.

Explain what that is for our

1:18:501:18:55

viewers.

I had already bought two

time-shares in America. In Florida.

1:18:551:19:01

Excuse me.

1:19:011:19:05

I got a totally different experience

when I signed up to buy one in

1:19:081:19:11

Spain. I got that hothouse

treatment. I was in the office of

1:19:111:19:17

just over six hours.

1:19:171:19:20

Having facts pounded at me. I

definitely was looking for another

1:19:231:19:25

time-share. Because I have three

grandchildren, wanted to give them

1:19:251:19:34

one each as part of a legacy. They

rounded on this. They hammered home

1:19:341:19:39

that I was going to get a special

deal, don't worry about finance, we

1:19:391:19:44

will get finance for you. Everything

was hunky-dory as far as I was

1:19:441:19:50

concerned when I came out. After six

hours. I was ready to sign my life

1:19:501:19:55

away, by the time I came out of the

office.

Because you are exhausted by

1:19:551:19:59

the whole thing?

Yeah. I were

diabetic, there was no food during

1:19:591:20:11

those six hours. I was ready to go

and have a meal and take my

1:20:111:20:17

medication. To revive me.

What would

you say to Paul who is sitting here

1:20:171:20:23

with me who says these tactics are

not used to buy time-share?

1:20:231:20:27

It was the hard sell. I was

definitely given the hard sell. I

1:20:301:20:34

was told lies. Which I had to prove

later. I actually bought a six bed

1:20:341:20:46

apartments... Mixed in with the

paperwork at the end of the deal,

1:20:461:20:51

which I had to sign, were reams and

reams and reams of it was a

1:20:511:20:56

disclaimer saying that property have

to call and they'd given me

1:20:561:20:59

something else. I didn't read the

small print. I just wanted to get

1:20:591:21:04

out of the office. I found out four

weeks after when they wrote and told

1:21:041:21:10

me my cooling off period was over.

That I had agreed to this... Buying

1:21:101:21:19

this other property... It was nice,

must admit, when I went out to see

1:21:191:21:26

it the following year it was nice

but it wasn't what I wanted in the

1:21:261:21:31

first place.

Let me get Paul to

respond to that.

Again, we don't

1:21:311:21:35

know who the developer was, we don't

approve of this sort of hot selling

1:21:351:21:39

techniques. These are heavily

ventilated by two time-share

1:21:391:21:42

regulations.

Are you saying that any

organisation or anybody who is

1:21:421:21:46

selling time-share who is there a

member of the resource to relevant

1:21:461:21:49

organisation would never and has

never use these tactics?

Should not.

1:21:491:21:54

Should not, but has not?

Listen, we

would always like to know when there

1:21:541:21:58

are instances of this because we

will crack down.

If you contact us,

1:21:581:22:03

we will send you the details. We

have thousands, literally, about

1:22:031:22:06

2000 clients and we have witness

statements. They all show this same

1:22:061:22:11

procedure, this hothouse,

irresponsible lending, a

1:22:111:22:16

irresponsible lending. In situations

where people say we cannot afford to

1:22:161:22:20

buy a time-share and somehow they

get credit. We have situations where

1:22:201:22:24

people are 70 years of age, fall

within your category, and instead of

1:22:241:22:28

being told he can get out in five

years, they are sold a fractional

1:22:281:22:33

time-share which binds them in for

another 15 years. They are not told

1:22:331:22:36

about this policy. We have a code of

practice, which is one thing, it is

1:22:361:22:43

meaningless. It is unenforceable. It

is a voluntary code.

It is not

1:22:431:22:47

compulsory. It is not voluntary. We

have thrown out members for not

1:22:471:22:51

abiding.

You have put them in a

noted that for three years, what

1:22:511:22:54

does that achieve?

No no. We are

like a trade association.

And you're

1:22:541:23:02

bankrolled by the time-share

companies.

Correct. Your main

1:23:021:23:05

interest is the time-share

companies.

What about people with

1:23:051:23:09

dementia? We have people who are

handicapped and people have died as

1:23:091:23:12

in that part you saw, they are not

allowed out. It is like pulling...

1:23:121:23:19

Teeth from...

We cannot regulate

those who are not within the trade

1:23:191:23:23

association. That is not our

problem. As you may know, the

1:23:231:23:30

European Commission has...

We will

send a taxi down.

Will you ask that

1:23:301:23:35

question, will you assist?

We will

send a taxi down, we will put her in

1:23:351:23:39

a hotel and she can look through our

files.

You will have to talk to

1:23:391:23:44

Susan Crook about that, I can't

speak for her.

Tell her to give us a

1:23:441:23:48

call, we invite her. Look at our

files and all of the ones that come

1:23:481:23:53

within our criteria, illness, the

ones who are financially... You

1:23:531:23:56

know, can't afford it or 75, you

will let them out, can you say that?

1:23:561:24:01

It's in the code, yes.

Good. That's

what we want to hear.

People are

1:24:011:24:06

getting in touch to share their

experiences of time-share. Sue on

1:24:061:24:10

Facebook says my parents were conned

into buying a time-share in Malta

1:24:101:24:14

with a company I am not going to

mention because I don't know whether

1:24:141:24:17

we are able to. They were unable to

use it for over 12 years due to

1:24:171:24:21

nursing my sister who was terminally

ill and then my father being ill.

1:24:211:24:24

Now my mother is terminally ill and

my father is frail. They are in the

1:24:241:24:28

80s. They continued to pay for it,

the £1000 per year, they have tried

1:24:281:24:33

to sell it to no avail and I have

stopped them paying for it now. I

1:24:331:24:36

have written numerous times to this

company to just take it back. But

1:24:361:24:40

they won't, they sent threatening

letters asking for money. The

1:24:401:24:44

problem is, they know the time-share

is worth nothing. It is shocking and

1:24:441:24:48

telling that they trade from the

Isle of Man. Paul, what would you

1:24:481:24:53

say? What should she do?

Go on to

our consumer services e-mail info.

1:24:531:24:59

Contact us and we look into it. If

they are not in the organisation we

1:24:591:25:05

will send it the task force and they

will look at it. Can I make the

1:25:051:25:11

point that I was shouted down last

time, the European Commission when

1:25:111:25:14

they brought the second directive in

in 2012, which every regular it's

1:25:141:25:19

the sale of time-share. They set up

a review of time-share two years

1:25:191:25:23

after that the way the red elation

was working. A full consultation

1:25:231:25:27

with lawyers, the industry and

consumer Association. The conclusion

1:25:271:25:31

of the commission was that there was

no need for further legislation. We

1:25:311:25:35

have had endless discussions with

them about this, Biz and they take

1:25:351:25:40

the same view. We're now talking to

the Ministry of Justice and talking

1:25:401:25:44

to the financial ombudsman service

about the abuse of owners by claims

1:25:441:25:49

companies.

But why don't you...

There are reams of things where

1:25:491:25:53

people are saying time-share is a

dirty word. People don't want to

1:25:531:25:57

touch it. It's in your interest to

get people involved in time-share,

1:25:571:26:01

why don't you clean this whole

industry of?

I'm sorry, we have

1:26:011:26:05

cleaned... We have teamed the

industry up.

Listen, for a moment.

1:26:051:26:09

If people are trying to get at

desperately for years trying to get

1:26:091:26:12

out of the time-share, why don't you

help them and make it easier?

It

1:26:121:26:19

would make time-share more

attractive. Are you listening,

1:26:191:26:20

Chloe? Occupancy rates...

Answer the

question, why don't you help the

1:26:201:26:27

people.

We do, this is what we do,

we spend all of our time helping

1:26:271:26:30

people. Most of our major developers

allow surrender of their time-share

1:26:301:26:34

if they get to the stage where they

no longer wish to use it. As long as

1:26:341:26:38

their maintenance is up to date with

various companies, they can either

1:26:381:26:41

exit as they want or they can pay

two years maintenance fees and exit.

1:26:411:26:46

There are lots of revisions. Why

should they pay?

There are resale

1:26:461:26:51

companies that resell people's

time-share for them, there are exit

1:26:511:26:55

clubs, there is a big exit club

which allows people to offer their

1:26:551:26:58

time-share to the exit club.

They

are scam clubs.

They are not. There

1:26:581:27:05

is a company out there, I can't name

it, as long as they like the look of

1:27:051:27:08

the time-share they will take it

into the club, people pay a fee and

1:27:081:27:11

they are free to exit when they won.

Interestingly, people at texting

1:27:111:27:15

because they know they can go at any

time and they continue with the

1:27:151:27:18

club.

There are thousands of people

who want to exit and can't.

The

1:27:181:27:24

people are exiting. I have checked

with bankers and brokers and finance

1:27:241:27:27

companies. Quick checks, the

time-share time -- talks -- task

1:27:271:27:35

force works with the trading

standards.

I would like to say that

1:27:351:27:40

we have clear examples of

irresponsible lending, situations

1:27:401:27:42

where people are elderly, they might

not want, of Ford or get rid of

1:27:421:27:48

their time-share. All we are saying

is that it should be a compulsory

1:27:481:27:52

and legal requirement that they are

allowed to exit, take a lead from

1:27:521:27:56

the Israeli time-share. You give

one-year's notice, you pay

1:27:561:27:59

maintenance and you out. You should

not have to pay to war three years

1:27:591:28:02

because you have to mitigate your

loss. Why should they will English a

1:28:021:28:07

time-share, pay three years? You had

taken it back, you sell it and you

1:28:071:28:11

read that they are allowed to exit,

take a leaf from the Israeli

1:28:111:28:14

time-share. You give one-year's

notice, you pay maintenance and you

1:28:141:28:16

out. You should not have to pay to

war three years because you have to

1:28:161:28:19

mitigate your loss. Why should they

within which a time-share, pay three

1:28:191:28:21

years? You have taken it back, you

sell it and you re-let it, your

1:28:211:28:24

profiting.

It is not just the

companies. Their arsenal owner run

1:28:241:28:26

resorts who actually, if they are

not in a position where they can

1:28:261:28:29

take two or three years maintenance,

the burden falls on the other

1:28:291:28:31

time-share is to make that up.

You

can carry on this conversation in

1:28:311:28:34

the green room, you can switch the

Taz and hopefully we will get this

1:28:341:28:36

resolved. That Max which details.

The director of diamond resorts, the

1:28:361:28:39

invitation is open for her to look

at her files -- our files.

I will

1:28:391:28:43

leave that to her.

Thank you.

1:28:431:28:49

The High Court will rule

today whether a computer

1:28:491:28:52

hacker, Lauri Love, can be

extradited to America.

1:28:521:28:54

Mr Love is accused of stealing

information from the US

1:28:541:28:56

central bank, the army,

the defence department,

1:28:561:28:58

Nasa and the FBI.

1:28:581:28:59

His lawyers have argued

that the 32-year-old,

1:28:591:29:00

who has asperger's syndrome,

might kill himself.

1:29:001:29:08

Five years ago, someone posing

as a UPS courier turned up

1:29:081:29:11

at a family home in Suffolk.

1:29:111:29:16

28-year-old Lauri Love was called

downstairs to sign for the package.

1:29:161:29:19

It was all a deception,

a police sting to catch a man now

1:29:191:29:22

accused of hacking into the FBI,

the US Central Bank and America's

1:29:221:29:25

Missile Defence Agency.

1:29:251:29:29

Greetings, citizens of the world.

1:29:291:29:30

We are Anonymous.

1:29:301:29:34

It's suspected Love was part

of Anonymous, a secretive network

1:29:341:29:36

of hackers, which targets

governments and companies.

1:29:361:29:40

Anonymous are a strange group.

1:29:401:29:42

They tend to hack not so much

because they want to gain

1:29:421:29:45

from their hacking, they do it

because one of their beliefs is that

1:29:451:29:48

all corporate information should be

in the public domain,

1:29:481:29:50

so if people are storing personal

data and private data,

1:29:501:29:53

they want to release it.

1:29:531:29:54

If they think people are behaving

badly, they want to expose that.

1:29:541:29:58

Two weeks ago today,

a line was crossed.

1:29:581:30:01

Two weeks ago today,

Aaron Swartz was killed.

1:30:011:30:05

Love is accused of being one of four

Anonymous hackers behind

1:30:051:30:07

Operation Last Resort,

an online protest which followed

1:30:071:30:09

the suicides of a high-profile

internet activist.

1:30:091:30:15

With Aaron's death,

we can wait no longer.

1:30:151:30:17

The time has come to show

the United States Department

1:30:171:30:21

of Justice and its affiliates

the true meaning of infiltration.

1:30:211:30:26

As payback, it's alleged Anonymous

broke into computer systems

1:30:261:30:28

belonging to the US agencies,

including the FBI,

1:30:281:30:30

the US Army and Nasa.

1:30:301:30:34

The Americans say they have evidence

Lauri Love himself downloaded

1:30:341:30:36

thousands of staff records,

including credit card details.

1:30:361:30:41

He allegedly wrote to other hackers

with the message, "Yassss.

1:30:411:30:44

I am invincible".

1:30:441:30:46

There is no suggestion, though,

that he made money from this or that

1:30:461:30:49

any individual was harmed.

1:30:491:30:51

This is particularly serious,

but I think it's more

1:30:511:30:53

the embarrassment issue.

1:30:531:31:01

There is no reason my anybody called

a hacker or a security researcher

1:31:041:31:10

should get into Nasa or the Federal

Reserve.

The US investigation

1:31:101:31:14

command said they traced some of the

attacks back to Romania through a

1:31:141:31:20

PayPal account.

1:31:201:31:27

Instead, he's wanted by US

authorities for accessing US

1:31:271:31:29

computers in three different states.

1:31:291:31:33

Lauri's spoke to us on this

programme back in 2016 -

1:31:331:31:36

he told Victoria he was facing

a jail term in the US

1:31:361:31:39

of up to 99 years

1:31:391:31:40

of up to 99 years.

1:31:401:31:42

Legal experts from the United States

have calculated I could be

1:31:421:31:45

facing up to 99 years,

if there are three

1:31:451:31:47

trials and the charges

are presented in a certain way.

1:31:471:31:51

The Department of Justice then makes

an offer where they'll present

1:31:511:31:54

different charges and they'll

reccommend a lower sentence.

1:31:541:31:56

The problem is, 19 out of 20 people

take this offer and I think that

1:31:561:32:00

maybe demonstrates that there's some

problems with that system.

1:32:001:32:02

Why?

1:32:021:32:05

Because if 19 out of 20

people never have a trial,

1:32:051:32:07

I'm not sure if that's really due

process, I'm not sure

1:32:071:32:10

if it's really justice.

1:32:101:32:11

Can you get your head around

this figure of 99 years?

1:32:111:32:15

It's quite absurd.

1:32:151:32:17

I mean, any more than a few decades,

you don't really see an end to it.

1:32:171:32:20

And because there's very poor

conditions in US prisons for people

1:32:201:32:23

with mental health difficulties.

1:32:231:32:25

I think that I would be at risk

of dying in some unfortunate way.

1:32:251:32:30

Right.

1:32:301:32:31

That's a serious fear

for you, isn't it?

1:32:311:32:33

Yeah, and this was argued

in the extradition hearing,

1:32:331:32:37

because of depression and Asperger's

and because the US prisons,

1:32:371:32:39

they're not quite as competent

as the UK prisons in providing

1:32:391:32:42

therapeutic assistance

to people at suicide risk.

1:32:421:32:47

You tend to be kept

in small room by yourself.

1:32:471:32:50

Here in the UK, they would attempt

to make contact with families

1:32:501:32:53

and to try and support the person

who's at risk.

1:32:531:33:01

The High Court judges do not uphold

the appeal and if that is the case

1:33:061:33:10

we will seek leave to appeal to the

Supreme Court and we gather that

1:33:101:33:14

will be granted and it will be dealt

with in the highest court in the

1:33:141:33:18

land. The other alternative is they

do uphold the appeal which means

1:33:181:33:23

Larry will not be the subject of an

extradition request in going to

1:33:231:33:27

America but he will face the

sanction of the judicial process in

1:33:271:33:31

this country.

If you are successful

today and it is upheld the American

1:33:311:33:37

authorities will say, we will leave

it at that?

If the High Court

1:33:371:33:41

upholds the appeal, it will be the

end of the process as far as

1:33:411:33:45

extradition is concerned.

How is he

this morning, head of this?

He is

1:33:451:33:50

like a volcano that has not

corrupted and will never a rock.

1:33:501:33:56

He's full of demotion and very

intense.

What is the most concerned

1:33:561:34:03

about, the extradition itself or

facing the legal process?

He has

1:34:031:34:07

made it clear to us, he will never

go to America. When I said to him,

1:34:071:34:12

how will you stop it? He said, I

will take my life. At that point, a

1:34:121:34:20

certainty comes into his eyes and he

cannot cope with the process of

1:34:201:34:23

going to another country. His fear

is greater of going to America than

1:34:231:34:29

it is of living.

So your concern is

about the mental health provision he

1:34:291:34:35

would receive in a US jail?

Yes, I

have read some of the stuff

1:34:351:34:41

Americans produced about how their

mental health provision goes and it

1:34:411:34:46

is woefully inadequate in comparison

to what we do in this country. In

1:34:461:34:50

this country we try to normalise the

situation of a prisoner who has

1:34:501:34:54

mental health issues, we try to get

them to go to the gym, go to the

1:34:541:35:01

library, get a job, to associate. We

support them but we try to normalise

1:35:011:35:05

their situation. In America they put

you in isolation and on suicide

1:35:051:35:10

watch. It is not a good system.

For

you, the best outcome is your son

1:35:101:35:16

would face the British legal system?

Yes. The irony thing is, the good

1:35:161:35:22

news would be our son would end up

in prison in this country, which is

1:35:221:35:27

better than America. Not many

families would look at that as good

1:35:271:35:31

news, but we would.

Has he spoken to

you about the charges he would face

1:35:311:35:36

and whether he did carry out what he

is accused of?

Four years ago when

1:35:361:35:42

this happened, I made a conscious

decision, my job would be his father

1:35:421:35:46

and support him and not be his

inquisitor about what he has done. I

1:35:461:35:51

have not questioned him over what he

did or didn't do, I have just

1:35:511:35:56

supported him.

As a parent, we know

our kids, we get a sense of what

1:35:561:36:01

they are capable of and are not

capable of?

If it happens in the

1:36:011:36:07

home, and it is a domestic issue

owing his dad and I will find out

1:36:071:36:10

what is going on and I will look him

in the eye. But this is something

1:36:101:36:14

much bigger. I realised I would be

in a difficult situation if I knew

1:36:141:36:18

the rights and wrongs of it and I

chose not to do that. That way I

1:36:181:36:23

could be objective and show

compassionate care for him. I have

1:36:231:36:26

made it clear to him, if he has done

wrong, you should face the

1:36:261:36:31

consequences. But I don't think the

consequences should be to be taken

1:36:311:36:35

away to another country for decades

and locked up.

If he turned round to

1:36:351:36:40

you and said, I did do this, would

you find it difficult to defend him

1:36:401:36:46

and come on programmes like this and

talk about your son the way you do?

1:36:461:36:50

Maybe I have not been clear, I am on

these programmes, I am doing this

1:36:501:36:56

and heading up this campaign because

I don't want my son to go to

1:36:561:37:03

America. It is not that I don't want

him to face justice, I just want it

1:37:031:37:08

to be in Britain.

Can you understand

why the American authorities are so

1:37:081:37:15

twitchy, you look up investigations

taking place Russian hacking, it is

1:37:151:37:20

a huge issue for the US authorities.

Can you appreciate from their point

1:37:201:37:24

of view why'd they would like it to

be tried in their courts, in their

1:37:241:37:29

country?

There have been 12 cases in

the last few years of individuals in

1:37:291:37:34

Britain hacking into various

government establishments in

1:37:341:37:36

America. Everyone of them been tried

in this country. Why should my son

1:37:361:37:42

be singled out? When 9/11 Took

Place, there were two separate

1:37:421:37:47

federal jurisdictions in the

American said there would be one

1:37:471:37:53

trial in New York. When it comes to

my son, there is a vindictive in

1:37:531:37:57

this. There are three servers

involved and they won three separate

1:37:571:38:03

trials. Each trial can inflict

separate punishments onto my son,

1:38:031:38:09

added onto the previous one and that

can add up to 99 years. This is

1:38:091:38:14

injustice, it is disruption.

That

decision is expected today.

1:38:141:38:20

Still to come.

1:38:201:38:24

Doctors say there's "no hope"

for seriously ill 20 month

1:38:241:38:26

old Alfie Evans as his family

try to block a decision to switch

1:38:261:38:29

off his life support.

1:38:291:38:30

We'll hear from parents who've had

similar decisions to make.

1:38:301:38:37

Have you bought virtual currency

like Bitcoin? Lloyds bank have

1:38:371:38:43

banned their customers from buying

it on their credit cards for fear of

1:38:431:38:46

them running up debts they will

never repay. We'll find out why.

1:38:461:38:52

The BBC News headlines this morning:

A Downing street source has ruled

1:38:521:38:55

out the prospect of the UK staying

in any kind of European

1:38:551:38:58

customs union after Brexit.

1:38:581:38:59

The statement follows days

of contrasting comments

1:38:591:39:00

from some cabinet ministers over

whether Britain might remain

1:39:001:39:03

in a bespoke customs union

with the EU, as opposed

1:39:031:39:05

to the current arrangement.

1:39:051:39:07

Opponents of staying in a European

customs union say it would prevent

1:39:071:39:10

the UK from striking free-trade

deals with other countries.

1:39:101:39:16

There's been a significant fall

in the number of new cars

1:39:161:39:18

being sold in the UK,

according to figures

1:39:181:39:20

released this morning.

1:39:201:39:23

Sales fell 6.3% in

January, down to 163,000

1:39:231:39:28

cars from 174,000 in

the same month a year ago.

1:39:281:39:31

Most of the decline

was down to a large drop

1:39:311:39:33

in the demand for diesel cars.

1:39:331:39:41

Hugh Grant has settled his claim out

of cause far hacking by Mirror group

1:39:431:39:49

newspapers. It is understood he has

accepted a 6-figure sum which he has

1:39:491:39:53

donated to the group Hacked Off.

1:39:531:40:02

The sole survivor of the Paris

attacks at the Bataclan and Stade de

1:40:051:40:09

France is on trial. He faces a trial

involving the Paris attacks at a

1:40:091:40:16

later date.

1:40:161:40:21

later date. Let's get some sport

from Sarah.

1:40:211:40:26

It was a thrilling Super Bowl

overnight in Minnesota.

1:40:261:40:28

The Philadelphia Eagles

beat the favourites,

1:40:281:40:29

New England Patriots 41-33 -

for their first Super Bowl title.

1:40:291:40:32

As always the half time

show didn't disappoint -

1:40:321:40:34

and entertaining the 67,000 strong

crowd this year was

1:40:341:40:36

Justin Timberlake.

1:40:361:40:41

England began the defence

of their Six Nations title

1:40:411:40:44

with a comfortable victory over

Italy.

1:40:441:40:46

They ran in seven tries in Rome

for a bonus point win.

1:40:461:40:49

46-15 the final score.

1:40:491:40:53

And Liverpool against Spurs at

Anfield served up a frenetic finish.

1:40:531:40:56

It ended 2-2 after a goal

of the season contender,

1:40:561:40:59

two injury time goals,

two penalties - one missed

1:40:591:41:03

and then the next scored

by Harry Kane for his 100th

1:41:031:41:05

Premier League goal.

1:41:051:41:07

That's your headlines for now.

1:41:071:41:14

Lots of you reacting to the

conversation we had with the father

1:41:141:41:20

of Larry Love. An e-mail from Steve,

if you cannot do the time, don't do

1:41:201:41:24

the crime. His illness didn't stop

him from doing the crime. Any mail

1:41:241:41:28

says he should have be saved

himself.

1:41:281:41:32

Another one says right on the

authorities paying to make their

1:41:321:41:35

systems are secure. If he can hack,

than other countries can hack back.

1:41:351:41:41

Keep your thoughts coming.

1:41:411:41:45

Today is expected to be the final

day of a hearing by the court

1:41:451:41:49

of appeal which will determine

if Alder Hay Children's Hospital

1:41:491:41:51

in Liverpool can withdraw life

support from 20 month old Alfie

1:41:511:41:54

Evans.

1:41:541:41:58

The hospital say he is in

a semi-vegetative state

1:41:581:42:01

and that it's in his best interests

to withdraw mechanical ventilation.

1:42:011:42:04

His parents Tom and Kate Evans

want to take their son to Italy

1:42:041:42:07

where a doctor has agreed

to treat him.

1:42:071:42:11

Alfie, who's been in a coma for over

a year, has a serious neurological

1:42:111:42:14

condition that hasn't

been formally diagnosed.

1:42:141:42:17

A heart-breaking

situation for any parent.

1:42:171:42:19

Earlier I spoke to Consultant

Pediatrician Dr Ravi Jayaram

1:42:191:42:22

and Steph Nimmo, whose 12-year-old

daughter was on life

1:42:261:42:30

support in hospital.

1:42:301:42:33

She had to make a similar

1:42:331:42:34

decision to Aflie's parents.

1:42:341:42:36

She told us what happened

when her daughter Daisy was born

1:42:361:42:38

with Costello syndrome.

1:42:381:42:44

Costello syndrome is a very rare,

completely sporadic and very rare

1:42:441:42:46

gene mutation and the chances

of having a child with Costello

1:42:461:42:49

syndrome are one in 1.25 million,

nothing to do with any gene

1:42:491:42:52

or anything we carried.

1:42:521:42:53

It was like a Euro millions lottery

win, having a child like Daisy.

1:42:531:42:56

She was born very prematurely.

1:42:561:42:59

Just before Christmas in 2004.

1:42:591:43:01

Not long afterwards,

she was diagnosed with Costello

1:43:011:43:05

syndrome and we were told

that was a life-limiting condition.

1:43:051:43:08

The doctors couldn't tell us how

long she would live for,

1:43:081:43:10

but we knew she wouldn't

live until adulthood.

1:43:101:43:13

It was clear, as the years went on,

that she clearly had a very extreme

1:43:131:43:17

form of the syndrome

and was clearly quite unwell.

1:43:171:43:20

She was in a hospice for many years.

1:43:201:43:27

With children's hospices,

she was referred to the hospice

1:43:271:43:29

when she was six months old.

1:43:291:43:30

The hospice provides respite care.

1:43:301:43:38

It's very different

to adult services.

1:43:391:43:44

They were very much showing the path

with us, are community nurses came

1:43:441:43:47

out and helped with some

of the medical interventions.

1:43:471:43:49

She would go there and she would

have respite stays.

1:43:491:43:51

And what she called sleepovers.

1:43:511:43:53

We were able to have

some family time there.

1:43:531:43:56

We also knew the reason we had been

referred to the hospice

1:43:561:43:59

was that at some point,

Daisy would die and she would

1:43:591:44:02

eventually be going to the hospice

for possibly her end

1:44:021:44:04

of life or afterwards.

1:44:041:44:05

As if that wasn't difficult

enough to deal with,

1:44:051:44:07

during her palliative care,

that is when your husband Andy

1:44:071:44:10

was diagnosed with a really

aggressive form of cancer.

1:44:101:44:13

Daisy was around nine and Andy

became very ill quickly.

1:44:131:44:18

And was diagnosed with stage

four colorectal cancer.

1:44:181:44:20

And died a year later.

1:44:201:44:24

I was then left as a single

mother of four children,

1:44:241:44:28

one of whom was very ill,

knowing I was going to have to be

1:44:281:44:31

here at her end of life.

1:44:311:44:33

She was deteriorating,

without my husband by my side.

1:44:331:44:35

So you're trying to deal

with all of this and then

1:44:351:44:38

you have that conversation,

that conversation that I can only

1:44:381:44:40

imagine is the conversation

you don't want to have

1:44:401:44:42

with those doctors.

1:44:421:44:44

Did you expect them to come and say

we feel that we should withdraw

1:44:441:44:48

support to Daisy and she should be

allowed to die?

1:44:481:44:52

In some ways we were very fortunate.

1:44:521:44:56

Because Daisy lived longer

than we anticipated,

1:44:561:44:58

those conversations happened

gradually over the years and we were

1:44:581:45:01

very much in Daisy's hands.

1:45:011:45:03

It was never clear cut.

1:45:031:45:05

You find with children

it is never clear cut,

1:45:051:45:07

they very much call the shots.

1:45:071:45:10

We were able to have some very open

conversations very early on.

1:45:101:45:13

Daisy was referred to the hospital

palliative services

1:45:131:45:15

at the age of seven.

1:45:151:45:17

We started having conversations

about end of life planning.

1:45:171:45:23

At what point would we go,

in terms of intervention.

1:45:231:45:27

For us, it was all about Daisy's

quality of life until the very,

1:45:271:45:33

very end, when literally just one

year after Andy died she was taken

1:45:331:45:36

into intensive care,

she was very ill with sepsis,

1:45:361:45:38

she was put on life support.

1:45:381:45:40

It was at that point

we were all very aware

1:45:401:45:42

that there was not very much more

that could be done.

1:45:421:45:47

I was very pleased that we'd had

those conversations.

1:45:471:45:52

Although I was having to make

the worst decision a parent

1:45:521:45:55

could ever make for their child,

I was fortunate to be

1:45:551:45:57

in a place where I had gone

through that in my mind.

1:45:571:46:00

And knew that I was doing the best

thing for my daughter.

1:46:001:46:06

It's one thing to go through it

in your mind, isn't it?

1:46:061:46:08

Separate yourself

emotionally, as a parent.

1:46:081:46:10

But to say those words

to the doctor and do it...

1:46:101:46:12

Yes.

1:46:121:46:14

It's just...

1:46:141:46:16

No parent should ever

have to go through it.

1:46:161:46:18

It is the most horrific thing.

1:46:181:46:21

I remember it so clearly,

Daly was in intensive care

1:46:211:46:24

in Great Ormond Street Hospital

on a life-support machine.

1:46:241:46:26

She was so poorly.

1:46:261:46:29

There were potentially some options

that maybe could have

1:46:291:46:31

brought her a couple more days.

1:46:311:46:38

I did not want my daughter to be in

pain any more. It was Daisy's time.

1:46:381:46:44

As a parent, is the most selfless

thing you can do to say I will do

1:46:441:46:51

everything possible for my child and

because I love them so much, I need

1:46:511:46:54

to let them go and be in peace. I

had to the nod to the doctor and

1:46:541:46:59

say, yeah, switch the machine off.

In a way I knew I was doing the

1:46:591:47:06

right thing for Daisy. I felt I was

taking her away from all the medical

1:47:061:47:12

pain and intervention that she had

been through. After she died, I was

1:47:121:47:16

able to reclaim her. We brought her

home. It was incredible. Because of

1:47:161:47:22

the hospice, the hospice night nurse

laid out like old mattress bed on

1:47:221:47:27

her home -- hospice nurse. The

undertakers brought her home. She

1:47:271:47:34

was there without any troops,

without any beeps and monitors.

1:47:341:47:38

Myself and the children felt we had

Daisy back -- she was there without

1:47:381:47:42

any beeps. It was healing. It was an

important part of the grieving

1:47:421:47:46

process and giving her a good death

although it was incredibly

1:47:461:47:50

medicalised and sad. We felt we had

honoured her wishes and brought her

1:47:501:47:54

home.

All that you have told us

about that incredibly painful

1:47:541:47:59

journey, I am sure you can identify

with what the parents of Alfie Evans

1:47:591:48:06

are going through right now.

My

heart goes out to them. I know the

1:48:061:48:09

pain that they are going through. I

can't comment on their specific

1:48:091:48:13

situation. I can reach out and say I

feel your pain because it is

1:48:131:48:20

something no parent should ever have

to go through. It's horrific.

And

1:48:201:48:24

something that never leaves you.

Absolutely. In a way, going through

1:48:241:48:30

that has made me a better person.

And having to accompany my daughter

1:48:301:48:36

on her final journey has definitely

made me grow as a person. You just

1:48:361:48:39

put things in a different

perspective.

1:48:391:48:42

Incredibly moving to to staff's

story and incredibly difficult -- to

1:48:451:48:51

Steph's story. To have those

conversations that you can't do any

1:48:511:48:56

more for their child must be

incredibly difficult.

As doctors and

1:48:561:49:00

nurses we wanted to our best. We

have conversations we don't want to

1:49:001:49:06

have. I was listening to Daisy's

story and thinking that is just how

1:49:061:49:10

it should be in that situation. Most

of the time it is great, we see a

1:49:101:49:15

sick child, we see them and they get

better. The situation we are dealing

1:49:151:49:20

with and with little Alfie in

Liverpool is different. What's clear

1:49:201:49:24

from what we have just heard is that

Alfie's parents are currently in a

1:49:241:49:29

very different place from where

Daisy's mother was at the end. The

1:49:291:49:34

example given just before is that

the fact that when the decision was

1:49:341:49:37

made, there had been plenty of time,

there was sharing of information,

1:49:371:49:40

everyone was singing from the same

hymn book. But with Alfie at the

1:49:401:49:45

moment, it's very different because

there is a big difference of opinion

1:49:451:49:48

between the medical professionals,

that further treatment is futile. Is

1:49:481:49:54

there any chance he will get any

better or we just prolonging his

1:49:541:50:00

death? And Alfie's parents knew

where they feel everything should be

1:50:001:50:02

done because there is still hope.

This is a very difficult situation.

1:50:021:50:08

Our job as doctors and nurses is to

dictate to parents and say Tanner

1:50:081:50:11

listed it, this is what you must do.

-- and to say in a paternalistic

1:50:111:50:17

manner. We must collaborate with

parents to help them to come to

1:50:171:50:21

terms with everything to understand

the information and help them to

1:50:211:50:24

make informed decisions together.

Could you explain for us and for

1:50:241:50:29

people who are watching at home, how

is that decision reached? How many

1:50:291:50:34

doctors are involved? What sort of

time frame are we talking about?

1:50:341:50:38

It's as many as it takes. The

problem is that in situations like

1:50:381:50:43

Daisy's where she had a diagnosis

and it was known from the time of

1:50:431:50:47

diagnosis that she would have a life

limiting condition, Daisy's mum and

1:50:471:50:53

dad knew from the start this would

happen at some point, there are two

1:50:531:50:57

situations where there could be the

acute situation for example, a well

1:50:571:51:02

child is involved in a road traffic

accident, they are on life support

1:51:021:51:05

and they are brain dead. Those are

hard decisions. But it is an

1:51:051:51:11

immediate occurrence. It makes a bit

more sense. What we are dealing with

1:51:111:51:14

with Alfie, one of the difficulties,

he doesn't have a specific named

1:51:141:51:18

diagnosis. As a result, it's quite

hard to prognosticate. Having said

1:51:181:51:25

that, reading the information and

bear in mind the only information I

1:51:251:51:28

have is from press reports, I don't

know the intimate details of the

1:51:281:51:31

case that it appears from scams and

electrical tests of his brain, his

1:51:311:51:35

brain function is minimal.

1:51:351:51:36

When you discuss that with parents,

the parents may understand very

1:51:391:51:43

quickly that there is no hope here.

But they may think, well, what if

1:51:431:51:47

there is hope? In this situation,

other doctors have been involved.

1:51:471:51:51

They have doctors from outside the

hospital and other countries to see

1:51:511:51:55

him, who also agreed in this

situation that further treatment is

1:51:551:51:58

futile. The timing and numbers of

doctors very much depend on the

1:51:581:52:04

individual situation.

As we were

talking, it made me think that,

1:52:041:52:09

actually, you and Andy had had that

conversation before his diagnosis

1:52:091:52:15

and before he died. And you are on

the same page, you both felt the

1:52:151:52:20

same. It must be incredibly

difficult if one parent thinks one

1:52:201:52:24

thing and another thinks another.

Who decides what's best for the

1:52:241:52:27

child?

I know. Ultimately it is

about the child.

1:52:271:52:32

It's such an emotive thing. We were

very fortunate. Andy and I talked

1:52:331:52:39

and talked and we were in agreement.

When it came to the end, although I

1:52:391:52:43

was on my own, I knew that Andy

would agree with me that it was time

1:52:431:52:47

to switch Daisy's life-support off.

1:52:471:52:50

I found myself having to almost

block it out, the emotion, to become

1:52:521:52:56

almost robotic in trying to make

rational decisions. How can you make

1:52:561:53:00

a rational decision about your

child's life? It's your baby. I gave

1:53:001:53:05

birth to her, I would do anything to

have her back with me now. But I

1:53:051:53:10

know having her back with me now,

she was never going to survive for

1:53:101:53:13

that long and I didn't want to see

her in any more pain. It is the

1:53:131:53:17

hardest thing in the world. Every

situation is so different.

1:53:171:53:20

That was Steph Nimmo,

whose 12-year-old daughter

1:53:201:53:22

was on life support in hospital -

she had to make a similar decision

1:53:221:53:25

to Aflie Evan's parents

and Consultant Pediatrician Dr Ravi

1:53:251:53:28

Jayaram.

1:53:281:53:29

A decision in the Alfie Evans case

is expected later in the week.

1:53:291:53:37

Lots of you sharing your thoughts on

this. Martin on Facebook says

1:53:371:53:41

parents should let go, the child

can't breathe unaided. Gary on

1:53:411:53:45

Facebook says sorry for Alfie's

parents but the child is in a

1:53:451:53:50

semi-vegetative state and estimated

loss of 70% of his brain nerve

1:53:501:53:54

fibre. When his family was to keep

them alive, after all, what person

1:53:541:53:56

was to lose a loved one, the

question is, is it fair to Alfie?

1:53:561:54:01

Thank you for

1:54:011:54:02

your comments.

1:54:021:54:04

Lloyds Banking Group has

banned its customers from buying

1:54:041:54:07

Bitcoin on their credit cards

following a sharp fall in the value

1:54:071:54:10

of the digital currency.

1:54:101:54:11

They're concerned they could end up

footing the bill for unpaid debts

1:54:111:54:13

should the price continue to fall.

1:54:131:54:15

We'll find out why shortly,

but first, here's everything

1:54:151:54:17

you need to know about bitcoin,

courtesy of Radio 1 Newsbeat.

1:54:171:54:25

Let's start with the basics.

1:54:261:54:27

Did anyone read that article

about Bitcoin I sent you?

1:54:271:54:31

Bitcoin is like cash,

but it's digital.

1:54:311:54:36

No notes, no coins.

1:54:361:54:38

And like any money, you can spend it

anywhere that will take it.

1:54:381:54:41

There's a big industry

around Bitcoin.

1:54:411:54:43

Or you can buy and sell

it, because the value

1:54:431:54:45

of Bitcoin goes up and down.

1:54:451:54:48

Worst luck in the Bitcoin market.

1:54:481:54:50

But unlike pounds, dollars

and euros, Bitcoin is not made

1:54:501:54:52

or backed by governments or banks.

1:54:521:54:53

Which means it isn't regulated

and can't be traced back

1:54:531:54:56

to specific individuals.

1:54:561:54:57

And that makes it controversial.

1:54:571:54:58

There's a limited supply

of 21 million Bitcoins on servers

1:54:581:55:00

out there and to get them they need

to be mined.

1:55:001:55:03

To earn a set amount of coins,

you just solve complex mathematical

1:55:031:55:06

problems using computer software.

1:55:061:55:12

I say "Just", but they're really,

really hard mathematical problems.

1:55:121:55:15

So while it seems like you crack

the codes to get the coins,

1:55:151:55:18

there's a lot more to it.

1:55:181:55:21

The reason why many people

are so keen to get their hands

1:55:211:55:24

on some Bitcoin is the same reason

areas like Canary Wharf

1:55:241:55:26

and Wall Street exist.

1:55:261:55:27

Profit.

1:55:271:55:28

Really sky-high profits.

1:55:281:55:31

Its value soared by over 1000% last

year, leading to investors

1:55:311:55:33

jumping on the bandwagon,

making the price surge even further.

1:55:331:55:36

You may certainly

make a lot of money.

1:55:361:55:38

But if you're thinking

about putting your life savings

1:55:381:55:40

into trading Bitcoin,

I'd say it's probably not

1:55:401:55:42

going to be that safe.

1:55:421:55:47

But now there's been a sharp fall

in the value of digital

1:55:471:55:50

currencies including bitcoin,

prompting fears about

1:55:501:55:52

people running up debts.

1:55:521:55:54

For example, if you spent

£14,000 on your credit

1:55:541:55:56

card to buy Bitcoin in December,

1:55:561:55:58

the value of the virtual currency

has taken a hit of nearly 60%

1:55:581:56:01

between mid-December and today.

1:56:011:56:09

Meaning that, as of this morning,

£14,000 may be owed to the credit

1:56:101:56:13

card company for something that's

worth only £5,700.

1:56:131:56:15

A straight forward loss

of over £8,000 in a little

1:56:151:56:17

more than a month.

1:56:171:56:23

Simon Taylor is a specialist

in digital banking and has advised

1:56:231:56:25

central banks and governments

on digital currency.

1:56:251:56:33

Simon, first of all, huge rise in

Bitcoin and now I drop, is it just

1:56:361:56:40

correcting himself or is there some

other reason?

It's hard to say what

1:56:401:56:45

is causing it. It has been very

volatile. A lot of people as it said

1:56:451:56:48

in your video package, people rushed

in hoping to profit from a boom and

1:56:481:56:52

with every boom there is a bust.

Unfortunately that has real human

1:56:521:56:56

consequences. A lot of its net

forums have talked about

1:56:561:56:59

cryptocurrency 's and the number one

post they have is suicide

1:56:591:57:03

prevention, this has a real human

cost.

You've missed the boat a bit

1:57:031:57:08

with Bitcoin. If you invest now.

Lots of people have made huge

1:57:081:57:12

amounts of money that if you invest

now... Leiua is the nature of a

1:57:121:57:15

bubble. People really only notice if

the price has gone on for a few

1:57:151:57:20

months in a row. And if you get in

in December when the price is high

1:57:201:57:24

and people take their money out you

are left with something that is not

1:57:241:57:29

as valuable as it used to be. There

will potentially be clamp-downs.

1:57:291:57:34

Reynolds can use digital currencies

for money-laundering.

We have seen

1:57:341:57:38

governments and regulators starting

to look at how they clamp down on

1:57:381:57:44

cryptocurrency use and abuse.

Cryptocurrencies can be used for

1:57:441:57:48

negative purposes. But so can any

currency. You can use cash to buy

1:57:481:57:52

drugs just as well as you can use

Bitcoin to buy illicit goods. The

1:57:521:57:57

nature is different. The clamp-downs

need to be sensible. I fear they

1:57:571:58:01

might go too far. There is huge

potential with the technology after

1:58:011:58:04

all.

Thank you for dropping by.

Simon Taylor, an expert on Bitcoin.

1:58:041:58:10

Victoria's back tomorrow and she'll

be marking the 100 year anniversary

1:58:101:58:13

since women got the vote

with a special version

1:58:131:58:15

of election blind dates.

1:58:151:58:21

I will be tuning in, I love that.

Thank you for your company, have a

1:58:211:58:26

lovely day.

1:58:261:58:32

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