:00:00. > :00:00.very much. That's all from the BBC News at Six. Goodbye from me. On
:00:00. > :00:08.Good evening and welcome to BBC Look North. The headlines:
:00:09. > :00:11.Banks leave our high streets and are replaced by payday lenders and
:00:12. > :00:18.Abused as a teenager ` now this woman wants a change in the law to
:00:19. > :00:27.stop abusers living near to their victims.
:00:28. > :00:32.He is over the road and carrying on as if nothing has happened. I was
:00:33. > :00:37.home alone and terrified. The oil worker from Hull trapped
:00:38. > :00:51.in Iraq as fighting spreads There are tens of thousands of
:00:52. > :00:54.refugees. All the clients of my company have left.
:00:55. > :00:56.The scarecrow traffic cop who's slowing down motorists through a
:00:57. > :01:10.And why villages want the scarecrow to stay put.
:01:11. > :01:12.And we've got the Lincolnshire sausage and Grimsby's smoked fish `
:01:13. > :01:21.now Beverley wants its own famous food.
:01:22. > :01:27.That special food is the Beverley bun.
:01:28. > :01:39.The closure of bank branches in poorer, urban areas, in cities
:01:40. > :01:42.and towns like Hull and Scunthorpe, means there are now as many pay day
:01:43. > :01:45.lenders and pawnbrokers on the high street as traditional banks.
:01:46. > :01:47.New, unpublished research shows Hull has lost a fifth
:01:48. > :01:50.of its bank branches in the last decade and they're being replaced
:01:51. > :01:55.by alternative lenders, like the Money Shop and Cash Converters.
:01:56. > :01:57.Our business correspondent Sarah Corker has had exclusive
:01:58. > :02:05.The big banks have been shutting up shop on the high street for decades.
:02:06. > :02:08.A trend put down to our changing banking habits
:02:09. > :02:25.More of us are choosing to do everyday banking on mobile phones.
:02:26. > :02:29.On the move from just about everywhere. 30% of us are doing
:02:30. > :02:31.this, regularly visiting the bank branch.
:02:32. > :02:36.Research shows the big banks are pulling out of poorer, low`income
:02:37. > :02:49.You have less affluent communities. They do not buy as many products and
:02:50. > :02:53.they are less profitable for banks. We are getting the segmentation of
:02:54. > :02:56.the high Street where we have affluent high Street with bank
:02:57. > :02:59.branches and less affluent ones where you have payday lenders.
:03:00. > :03:03.In the last decade, the city has lost 21% of it's bank branches.
:03:04. > :03:07.New research shows there are now nearly as many alternative lenders,
:03:08. > :03:13.like the Money Shop or Cash Converters ` as traditional banks.
:03:14. > :03:17.While in Lincoln, there's been a 10% increase in branches.
:03:18. > :03:27.Three and a half banks to every alternative lender.
:03:28. > :03:45.We open a new bank every few weeks. We have no call centres and
:03:46. > :03:46.customers deal with us here. They can bring us and get straight
:03:47. > :03:50.through to us. But for those
:03:51. > :04:08.on the very lowest incomes ` I did use them, but I was regretting
:04:09. > :04:14.it. I used them once one I was desperate. I got a ?25 loan. Did you
:04:15. > :04:20.not go to a traditional bank. I was 16 at the time. The banks dispute
:04:21. > :04:26.that they have lost that abandon customers. They will always be the
:04:27. > :04:30.cornerstone of our business. I only know of one closure in the area.
:04:31. > :04:33.The banks say they only close underused branches `
:04:34. > :04:36.but the reality for some is that these higher cost lenders are
:04:37. > :04:41.Richard Griffiths is from the Consumer Finance
:04:42. > :04:44.Association, the organisation which represents pay day loan companies,
:04:45. > :04:58.Do you accept that the lack of banks is pushing people to payday lenders
:04:59. > :05:04.where the interest is higher? Payday lenders provide a different range of
:05:05. > :05:09.services. You could not build you get a small amount of money for a
:05:10. > :05:12.short time. And they have their stores in the local communities.
:05:13. > :05:14.That is a good thing because they offer different products and
:05:15. > :05:21.services services through those stores. They also offer foreign
:05:22. > :05:26.exchange as well. Are they prospering on the back of people who
:05:27. > :05:31.are in difficulties, down on their luck, preying on those who are in
:05:32. > :05:36.debt? Absolutely not. The point of this is that they are responsible
:05:37. > :05:40.lenders. They are all regulated and there I whole new set of rules.
:05:41. > :05:44.There will also be a cab on the amount of interest that they will be
:05:45. > :05:51.allowed to charge from next year. `` there will also be a limit. Do your
:05:52. > :05:56.customers see the payday companies as a devil, or a life`saver? The
:05:57. > :06:03.vast majority of people do repay their loans on time. So for many
:06:04. > :06:06.people it is a lifeline. But for others, and more in the past, people
:06:07. > :06:10.may have got into difficulties with their loans because they could not
:06:11. > :06:14.afford it. That is happening less and less because the lenders are
:06:15. > :06:18.doing more rigorous affordability checks. Just because you apply for a
:06:19. > :06:25.loan, you will not necessarily get one. From next year, it is expected
:06:26. > :06:30.payday lenders will have a limit and will be more tightly regulated. Do
:06:31. > :06:35.you welcome that? Absolutely. It is something that we put in place with
:06:36. > :06:39.our members. A higher set of standards, affordability checks, the
:06:40. > :06:42.limit to a number of times that people could roll over their loans
:06:43. > :06:49.so we could not become a long`term debt. We have figures on the number
:06:50. > :06:55.of people in hull`macro are `` you are waiting to repay, do you not
:06:56. > :07:00.find people regret their loans? No, our customers have a high level of
:07:01. > :07:05.satisfaction. That will only increase. We want to make sure that
:07:06. > :07:08.people can repair it because it is good for their business and also it
:07:09. > :07:16.is good for customers. Thank you very much, Mr Griffiths.
:07:17. > :07:19.Why do you think the number of bank branches is declining
:07:20. > :07:22.Have you ever used these alternative lenders?
:07:23. > :07:24.Do you think mainstream banks need to more flexible
:07:25. > :07:48.Maybe you have thoughts on that. Get in touch.
:07:49. > :07:52.Inspired by volunteers who helped with the
:07:53. > :08:07.London Olympics ` the ambassadors welcoming visitors to Bridlington.
:08:08. > :08:10.A man from Hull says he's trapped in Iraq while Islamic militants
:08:11. > :08:13.Kristian Nicholson's passport was confiscated by police
:08:14. > :08:18.The 39`year`old father of three says he fears for his safety
:08:19. > :08:22.and has asked the British government to step in to help him return home.
:08:23. > :08:34.For those staying prayers for the safety of Irbil.
:08:35. > :08:37.The oil capital of northern Iraq, now facing attack from Islamic
:08:38. > :08:40.State forces which have been advancing towards it from the West.
:08:41. > :08:44.But it's here that Hull oil worker Kristian Nicholson is trapped `
:08:45. > :08:49.unable to leave without a passport, confiscated
:08:50. > :08:56.because he faces court for being involved in a fatal car accident.
:08:57. > :09:02.It should not have taken several months over a road accident which
:09:03. > :09:08.was not my fold. The town is like a ghost town. There is nobody year.
:09:09. > :09:10.But for Kristian's family it's been a year of Skype`only contact.
:09:11. > :09:13.News headlines creating the fear that he'll be caught up
:09:14. > :09:25.I would like Christian to come home now while this is going on and if he
:09:26. > :09:31.has to return, then he would return. We can talk to him, but we don't
:09:32. > :09:34.know what is happening. He was OK up to all this that is kicking off.
:09:35. > :09:46.AmeriCan Air Strikes making a difference.
:09:47. > :10:00.The fear that forces advancing has been lessened off two Americans have
:10:01. > :10:03.helped. We have to make sure that people are evacuated and special
:10:04. > :10:10.procedures put into could place to help cases like Kristian Nicholson.
:10:11. > :10:12.But after seven months of dealing with the legal system
:10:13. > :10:15.of a country in turmoil, neither Kristian or his family will
:10:16. > :10:24.A 37`year`old man has been arrested on suspicion of assault,
:10:25. > :10:27.after a woman was found with serious head injuries in Goole.
:10:28. > :10:29.Police were called to Broadway early this morning, where they
:10:30. > :10:31.discovered the injured woman. She remains in a critical condition.
:10:32. > :10:34.A new waste disposal plant in Sleaford is up and running again,
:10:35. > :10:37.Council bin collections have not been affected.
:10:38. > :10:40.The cause of the fire is still unknown.
:10:41. > :10:42.Campaigners in Lincoln ` fighting for a limit to
:10:43. > :10:46.the number of houses with individual rooms to let ` will put
:10:47. > :10:52.The West End Residents' Association has handed
:10:53. > :10:57.They want to see more families living in the area rather than an
:10:58. > :11:13.We were not short of volunteers and we finished with 20 people going
:11:14. > :11:18.around the area getting people to sign. I can say that over 99% of the
:11:19. > :11:30.people asked to sign, did so. That shows the strength of feeling. We
:11:31. > :11:30.will be live at the meeting tonight with the campaigners and
:11:31. > :11:38.councillors. A woman from Bridlington,
:11:39. > :11:41.who was sexually abused as a 13`year`old says she's been forced
:11:42. > :11:44.to move away from her family because the man who abused her has returned
:11:45. > :11:47.to a house in the same street. Demi Bowers ` now 18 `
:11:48. > :11:50.has waived her right to anonymity to She wants paedophiles to be banned
:11:51. > :11:54.from living anywhere near their victims after they are
:11:55. > :11:56.released from prison. Forced to move hundreds of miles
:11:57. > :12:03.from her family, Demi says her life has been destroyed twice, after the
:12:04. > :12:22.neighbour who abused her when she I just saw him there, smirking. I
:12:23. > :12:25.was terrified, thinking what he is going to do. Whether you would do
:12:26. > :12:28.something to my family, or get revenge.
:12:29. > :12:31.Demi was abused for five months by the father of the child she babysat.
:12:32. > :12:37.She says the law favours abusers over the abused.
:12:38. > :12:50.I was hurt. He has his life back. He didn't have his job and he didn't
:12:51. > :13:00.have any friends anyway but it wasn't `` it was only in the cloud
:13:01. > :13:03.about. Potentially, this could happen again in the future.
:13:04. > :13:11.Demi's mum Angela, still lives opposite her daughter's abuser.
:13:12. > :13:16.The effect has been catastrophic. It has separated our family. I don't
:13:17. > :13:18.see my daughter any more. And neighbours too say
:13:19. > :13:27.they too feel let down. People have to shepherd their kids
:13:28. > :13:33.out and this is a family street that there was nobody playing on the
:13:34. > :13:37.street because we are in fear. Let's allow our children the freedom and
:13:38. > :13:40.the innocence of a reasonably safe childhood and let's put our
:13:41. > :13:44.resources into making sure that happens and the considerations of
:13:45. > :13:48.the offender need to be a clear second.
:13:49. > :13:50.More than 1,000 people have now signed Demi's online petition
:13:51. > :13:55.And she hopes if passed it'll mean other victims won't have to endure
:13:56. > :14:03.Would you favour a change in the law to mean paedophiles cannot move back
:14:04. > :14:09.Or would you worry that could make it harder for police to
:14:10. > :14:21.track offenders if they are forced away from a place they know?
:14:22. > :14:52.Please get in touch. Still to come, the scarecrow dressed as a
:14:53. > :14:57.policeman. And Beverley tries to create its own favourite food ``
:14:58. > :15:24.special food. This picture was taken by a rail
:15:25. > :15:30.enthusiasts. Stunning picture, that. Good evening to you, ceilidh.
:15:31. > :15:38.It's like your hobby, Trainspotting. I think that's what the binoculars
:15:39. > :15:42.for. People asking me about Beverley races ladies Day, what will that be
:15:43. > :15:45.like? Another one of your hobby is! It
:15:46. > :15:53.doesn't look too bad. If you are heading down, take a brolly. It
:15:54. > :15:59.looks like it will be an OK day. But it could get breezy. At the moment,
:16:00. > :16:05.it looks to be quite showery. A few heavy showers to end the day. But
:16:06. > :16:11.some spells of sunshine in between. On Wednesday, not too bad. On
:16:12. > :16:15.Thursday, a greater risk showers. Friday and Saturday do not look too
:16:16. > :16:22.bad, mostly dry. You can make out the shower clouds on the satellite
:16:23. > :16:26.picture. They are pushing north to south east. There is a potential for
:16:27. > :16:31.a heavy one this evening. Overnight, there will be a mix of variable
:16:32. > :16:41.cloud and also a few showery bursts heading down from the North.
:16:42. > :16:53.Temperatures dropping back. The sun will set at these times. The
:16:54. > :16:58.greatest risk of catching a shower tomorrow is going to be first thing.
:16:59. > :17:01.Afterwards we should see an improvement. Still the risk of the
:17:02. > :17:07.odd shower but generally dry and bright weather with sunny spells.
:17:08. > :17:11.The breeze will be moderate and from the west or Southwest. Temperatures
:17:12. > :17:23.cooler than we have been used to of late. On Thursday, the greater risk
:17:24. > :17:28.of having `` catching a shower. Friday and Saturday do not look that
:17:29. > :17:34.bad. Not knowing that the sun rises is
:17:35. > :17:37.repayment for being so cruel to me! It is basic weather presenting! Even
:17:38. > :17:44.Paul get that right. The tomorrow. A team of volunteer guides are
:17:45. > :17:47.greeting people as they arrive in The students are showing visitors
:17:48. > :17:51.the town's attractions and answering any questions they
:17:52. > :17:53.have about the resort. East Riding Council says it's come
:17:54. > :17:56.up with the idea after seeing the success of volunteers during
:17:57. > :17:59.the London Olympics two years ago. The East Riding of Yorkshire's
:18:00. > :18:03.busiest tourist destination. The town's population triples
:18:04. > :18:28.during the summer season to One thing. But not any more. The
:18:29. > :18:32.best thing about religion is the gardens. The best thing is the
:18:33. > :18:35.beaches. You should try out the fish and chips.
:18:36. > :18:38.These students have been specially employed by the council to meet
:18:39. > :18:42.There's 14 of them in total and we're going to see four
:18:43. > :18:58.There is a spa and kids go free. They are good and we need that.
:18:59. > :19:05.Great information about the fish and chip shop. Thank you. Yes, very
:19:06. > :19:10.interesting. The more information you can find, it is very helpful.
:19:11. > :19:12.The idea was inspired by the volunteers of
:19:13. > :19:18.the 2012 Olympic Games and suggested by businesses in the town.
:19:19. > :19:24.It was one of the marvellous thing that happened with our Olympics. It
:19:25. > :19:28.is a memory you take with you when there is somebody to help you. It is
:19:29. > :19:33.a wonderful first impression of the town. Most people like it because it
:19:34. > :19:38.is helpful and they want to know where to go. It is a new way of
:19:39. > :19:44.talking to people. It is like gaining confidence. We get a lot of,
:19:45. > :19:48.which is the easy as way to get onto the beach and where you can take
:19:49. > :19:51.your dog. And where are the nearest toilets!
:19:52. > :19:54.So, enlightened and armed with extra info, visitors can now make the most
:19:55. > :20:01.of their day and we can head for the best fish and chip shops.
:20:02. > :20:04.Former Conservative MP Neil Hamilton is expected to be shortlisted as
:20:05. > :20:08.a potential UKIP candidate for the Boston and Skegness constituency.
:20:09. > :20:11.He was Deputy Chairman of UKIP and campaign director
:20:12. > :20:15.Mark Simmonds' announced yesterday that he won't be standing
:20:16. > :20:20.in the General Election blaming a "lack of support" for MPs with
:20:21. > :20:25.And many have been getting in touch with us about Mark
:20:26. > :21:00.James in Grimsby says "Nobody forced him to become an MP.
:21:01. > :21:03.Scunthorpe United play Blackburn Rovers in the first round
:21:04. > :21:21.Over on the station's AM frequency, you can listen to Grimsby's first
:21:22. > :21:23.home match of the season against Nuneaton.
:21:24. > :21:27.And Lincoln City fans can listen to their game against Altrincham on
:21:28. > :21:42.People in a Lincolnshire village have put a scarecrow dressed
:21:43. > :21:44.as a police officer on the side of their main road.
:21:45. > :21:47.Locals in Glenworth say the scarecrow,
:21:48. > :21:50.which has a florescent jacket and fake camera, is already causing
:21:51. > :22:13.Do we know who has done this? It appears that the scarecrow was
:22:14. > :22:15.created as part of a festival. And I guess people realise it would take
:22:16. > :22:21.`` make a good deterrent. With his imposing stature,
:22:22. > :22:23.steely glare and radar gun at the ready, He looks every inch
:22:24. > :22:30.the traffic officer. And for the last few days Speedy,
:22:31. > :22:32.as he's known, has been on patrol in the village
:22:33. > :22:35.of Glentworth in Lincolnshire. At
:22:36. > :22:36.a distance he appears frighteningly realistic, authentic enough to make
:22:37. > :22:39.any speeding motorist slow down. And that, say villagers,
:22:40. > :22:53.is exactly what's been happening. Everybody seems to be going, there's
:22:54. > :22:59.a policeman, slowdown! Great idea. It has helped slow down the traffic.
:23:00. > :23:03.Even if they take it away, put something in place as a deterrent.
:23:04. > :23:05.Officer Speedy's origins are shrouded in mystery.
:23:06. > :23:07.He's believed to have been created as part
:23:08. > :23:10.The County Council's Highways Department says he has to go,
:23:11. > :23:16.but Lincolnshire Police say they aren't too worried.
:23:17. > :23:23.I have no problem with it being there. We are engaging with parish
:23:24. > :23:26.councils to work on speed enforcement is used. The scarecrow
:23:27. > :23:33.shows how seriously roll residents take speeding in Neville it is. ``
:23:34. > :23:35.rural residents take speeding in their villages.
:23:36. > :23:37.And although he didn't want to be interviewed,
:23:38. > :23:40.speedy's creator did tell me he has no intention of removing him,
:23:41. > :23:44.unless the police provide some alternative form of detterrance.
:23:45. > :23:47.So it looks like Speedy will continue putting the wind up unwary
:23:48. > :23:59.The police can see the funny side of this.
:24:00. > :24:05.But we have a statement saying that it was funny, but it is not
:24:06. > :24:10.something that could be left in place. They will speak to the parish
:24:11. > :24:14.council with a view to having it removed.
:24:15. > :24:19.He looks like George Michael! Kendal has mint cake,
:24:20. > :24:22.Lincolnshire has the sausage and now the East Yorkshire town of Beverley
:24:23. > :24:25.wants it's own food delicacy. It's called in some of the areas top
:24:26. > :24:29.bakers to create a bun which will mark 300 years since the building
:24:30. > :24:31.of the town's market cross. The people
:24:32. > :24:33.behind the idea claim it could rival some of the country's best`loved
:24:34. > :24:48.foods, as Phillip Norton reports. Stilton has its cheese, Eccles has
:24:49. > :25:02.got its cakes. Now, Beverley once it's bum. `` Beverley won'ts its
:25:03. > :25:14.barn. We thought, why don't we have a Beverley Bun. This is not just a
:25:15. > :25:19.cake, it is serious. A Bakewell tart is made all over the place. It would
:25:20. > :25:25.be great if Beverley Bun was taken on to that degree. Open to all local
:25:26. > :25:29.bakers, this historic moment needed highly trained judges to whittle
:25:30. > :25:37.down the finalists. There is this thing with icing on which is caught
:25:38. > :25:42.my eye. Not, lovely Richard Owen. Springy texture. Gorgeous. This one
:25:43. > :25:50.has rose water in it. After some intense munching... You can smell
:25:51. > :25:57.the arm and is. It was time for the moment of truth. Sugar and spice. I
:25:58. > :26:05.didn't think I would win! Not for one second. It doesn't have raisins,
:26:06. > :26:16.it has cinnamon and it is sticky and moist and gooey. It is lovely. A
:26:17. > :26:18.Beverley Bun. So forget your Eccles cakes, let us introduce the Beverley
:26:19. > :26:25.Bun. Let's get a recap of the national
:26:26. > :26:28.and regional headlines: The actor and comedian Robin Williams has
:26:29. > :26:31.died. It's believed he committed suicide. He was 63.
:26:32. > :26:34.A woman sexually abused as a teenager, forced to move after her
:26:35. > :26:38.abuser returned to live on the same street.
:26:39. > :26:39.Tomorrow's weather ` a few showers, generally fewer and lighter, with
:26:40. > :26:43.sunny spells. A moderate westerly breeze and a maximum temperature of
:26:44. > :26:59.20C. We were talking about payday
:27:00. > :27:03.lenders. The reason for the growth of these lenders is due to lack of
:27:04. > :27:07.understanding of interest rates. People do not understand the true
:27:08. > :27:10.cost of credit. I go to the lenders because my bank
:27:11. > :27:15.will not give me a loan. You should have pointed out that we
:27:16. > :27:19.are lucky because we have secure and progressive credit unions which
:27:20. > :27:22.offer loans which are cheaper than the alternatives you mention and in
:27:23. > :27:26.some cases cheaper than high`street banks.
:27:27. > :27:30.Payday loans companies just chart `` just target the poor and vulnerable,
:27:31. > :27:35.they don't care as long as they are making a profit.
:27:36. > :27:42.Your remarks on payday lenders. I showed this picture by Jim about the
:27:43. > :27:45.train, and someone says, Neville Hill is a railway maintenance depot
:27:46. > :27:55.near Leeds. You should have known that!
:27:56. > :27:58.MUSIC: "It Don't Mean A Thing" by Duke Ellington
:27:59. > :28:15.celebrating the music of Count Basie and Duke Ellington.
:28:16. > :28:19.We've got factory boys and butchers' apprentices and office clerks
:28:20. > :28:24.Don't stop moving! If you go back you'll die!
:28:25. > :28:38.Espionage. Who would possibly assassinate him?
:28:39. > :28:43.Deception. There's so much more to this story than I thought.
:28:44. > :28:47.And even murder. With a knife! Real shock.