hello, it's wednesday, it's 9 o'clock, i'm victoria derbyshire, welcome to the programme. today, we bring you dramatic new images of migrants trying to jump onto the back of lorries in france, trying to get to the uk. at 9.15 our exclusive report on the tiny port becoming known as "the new calais". you must try every night. if you stay here just eating and sleeping, you can watch our exclusive report in around 15 minutes‘ time. and if you are a lorry driver or work for a haulage company that travels through ouistreham, tell us your expereinces tell us your experiences. also, donald trump's former personal lawyer faces jail after admitting in court paying porn actor stormy daniels to keep quiet

about an alleged affair with the us president and indicates he was told to do so by mr trump. meanwhile, the us president's former campaign chief is found guilty of multiple tax and bank fraud charges. the trial came about because of an investigation into alleged election meddling by russia. had nothing to do with russian collusion. we continue the witch hunt, thank you very much. we'll ask how important this is for president trump's future. and new plans here to ban pet shops from selling puppies and kittens, as the government tries to stop animals being bred on illegal puppy farms in cruel conditions. hello. welcome to the programme. we're live until 11 this morning. something we're going to talk about after ten o'clock this morning... have you been refused housing

because you're on benefits? we'll hear new allegations that letting agents are breaking equality laws potentially by refusing to rent to benefit claimants. if you're getting in touch use the hashtag #victorialive. if you're emailing and are happy for us to contact you and maybe want to take part in the programme please include your phone number in your message. if you text, you'll be charged at the standard network rate. our top story today... two former senior members of president trump's inner circle have been convicted of criminal offences in separate legal cases. paul manafort, who managed the campaign for the president, was found guilty of eight charges of bank and tax fraud. while his former lawyer michael cohen admitted tax fraud and violating campaign finance laws and told a court in new york he'd paid women off on donald trump's orders. chris buckler has the details from washington. president trump landed

in west virginia to attend a rally, and to face many questions about two men who were once part of his inner circle. in new york, mr trump's former lawyer and fixer michael cohen pleaded guilty to tax fraud and breaking campaign finance laws. while just outside washington, a jury found the president's former campaign manager paul manafort guilty of a series of financial crimes, in a case brought by the special counsel robert mueller, who is investigating allegations of russian interference in america's presidential election. this is a witch—hunt, and it's a disgrace. this has nothing to do what they started out, looking for russians involved in ourcampaign. there were none. manafort‘s crimes were not connected to the period he worked for donald trump's campaign. but michael cohen claims some of the offences he admitted were committed under the orders of the president. he says mr trump told him to pay tens of thousands of dollars to stop the porn star stormy daniels from making allegations

about a sexual relationship, and to silence the former playboy model karen mcdougal from going public with claims about an affair. mr cohen pled guilty to two campaign finance charges. what he did was he worked to pay money to silence two women who had information that he believed would be detrimental to the 2016 campaign. in front of his supporters in west virginia, mr trump avoided talking about his former lawyer. but mr trump is now himself facing serious allegations, a truth that he might find more difficult to dismiss with his usual catchphrases. chris buckler, bbc news, washington. joanna is in the bbc newsroom with a summary of the rest of the day's news. police in northern france say migrants are risking their own lives and those of others in their attempts to get to the uk. around 200 mainly sudanese migrants have been camping around the port of ouistreham near caen

in normandy, waiting to board lorries bound for england. they see the port's ferry crossing to portsmouth as a potentially easier route than going via calais, where there is a heavy police presence. and we'll bring you our special report on the situation there in just a few minutes. a bbc news investigation has found that some ryanair passengers who received compensation for cancelled and delayed flights were sent cheques that hadn't been signed. other customers said they had been charged extra banking fees after cheques bounced. rya nair has apologised and blamed the problem on an "administrative error". pet shops could be banned from selling puppies and kittens under new government plans to crack down on unethical breeders. the aim is to reduce the number of animals that suffer health problems after being reared in poor conditions. under the proposals, people would have to buy their pets from a registered breeder or a rescue centre, as andy moore reports. it's estimated that tens of thousands of animals are raised in puppy farms every year and then

sold on to an unsuspecting public. they might appearfor sale in a pet shop, or be advertised privately. the poster girl of a ban on third—party sales was a cavalier king charles spaniel called lucy. she was rescued from a puppy farm in a terrible condition, after being kept for breeding in a cramped cage. more than 150,000 people signed a petition calling for what became known as lucy's law. animal charities have generally welcomed this government proposal. we believe that this has been a loophole for a number of years. the rspca has been investigating illegal trafficking of dogs, both from the continent and within the uk, and we hope that this announcement will stamp out that trade. the proposed new law won't just apply to puppies. at this animal rescue centre in bristol, there are plenty of kittens available for rehoming. the government hopes that forcing people to get their pets from animal rescue centres like this will put those who breed them in cramped factory conditions out of business.

the environment secretary, michael gove, said he hoped the ban would mean those who had a complete disregard for animal welfare would no longer be able to profit from their miserable trade. facebook says it has removed more than 600 pages and accounts linked to iran and russia for what it called "inauthentic" or "manipulating" behaviour. it's believed the misinformation campaigns were targeting britain, america and the middle east. twitter says it has also suspended around 300 accounts. it comes a day after microsoft said it had thwarted russian cyber—attacks against us conservative groups. banks have been told they must treat customers more fairly when they fall for scams. that's the message from the financial 0mbudsman, which says they are too ready to blame the customers themselves. last year, customers transferred nearly £240 million to fraudsters, only a quarter of which was refunded by financial firms. the ombudsman says banks too regularly say customers were "grossly negligent" in giving out their personal information.

uk finance, which represents the banks, says the industry has introduced new standards on how they respond to victims. five of england's leading letting agents are discriminating against tenants on housing benefit, according to a new report by shelter and the national housing federation. the two housing organisations are calling for letting agents and landlords to get rid of bans on housing benefit tenants, which they say are "wreaking havoc on hundreds of thousands of people's lives". they say the bans are both unfair and likely to be unlawful, as they overwhelmingly affect women and disabled people. a quarter of school age children have never been taken for a sight test by their parents, according to a survey by the association of optometrists, which says that children are developing permanent vision problems because they are not being examined early enough. the report reveals that more than half of parents surveyed assume their child will have a full eye test at primary school,

heidi tomlinson reports. an eyesight check for 15—year—old eve. she has one good eye and one lazy eye. it is a condition called amblyopia, and affects around 3% of people. well done, now, let's have a look at the letters with your other eye... if it is not treated early, it can lead to permanent sight loss in the weaker eye. eve was diagnosed at seven. it was just a shock at how much difference there was. my right eye, i can see, and it's clear, and everything is how it should be. but as soon as they cover it up, everything is blurry. it's quite scary, because i can't see out of this eye. it made me feel like a terrible parent, really, because you want to do your best by your children, and finding out that there's a problem which could have been sorted earlier, but you weren't aware of it, was really hard to handle. a survey from the association of optometrists found a quarter of children have never been for an eye test, and over half of parents think their child

will have a full sight test at primary school. that's not always the case. well, it's a bit of a postcode lottery at the moment, with screening being available in some areas, but not universally, across—the—boa rd. amblyopia has few symptoms. parents often don't know there is a problem until it is too late. taking a child for their free eye test at around three years of age is key. the icelandic actor stefa n karl stefa nsson, who played the villain robbie rotten on lazytown, has died aged 43 from cancer. stefansson was best known for his role on the children's show, which was produced from 2004 to 2014. the programme was translated into dozens of languages and was broadcast in more than 180 countries. madonna has hit back at critics who claimed her tribute to aretha franklin at the mtv video music awards was self—indulgent. the singer posted on instagram explaining that she had been asked to share "any anecdotes i had in my career connected to aretha franklin".

some viewers complained that she spoke too much about herself and too little about the late queen of soul at the awards ceremony in new york. that's a summary of the latest bbc news — more at 9.30. in the next few minutes we're going to be bringing you our report on a tiny port called ouistreham in france which appears to be becoming the "new calais". thank you to chris who has e—mailed about this... he says they take the ferry to and from ouistreham twice a year and they have witnessed the problems on an increasing scale. 0ur car and ca rava n increasing scale. 0ur car and caravan are usually searched, sometimes at both ends, he says. watching the migrants trying to board vehicles, sometimes moving, is frightening and upsetting. 0ne

board vehicles, sometimes moving, is frightening and upsetting. one day one of them will die, perhaps someone one of them will die, perhaps someone already has, i would not wa nt to someone already has, i would not want to be a lorry driver there. if you are a lorry driver and you use that bought, get in touch with us. this one says... we have to remember that these people are illegal migrants trying to break into the uk. they seek actively to avoid detection and any normal channels that the rest of us would have to follow. if they were to break into your house you would expect the police to arrest them. they are essentially doing the same. if they we re essentially doing the same. if they were genuine migrants they could seek asylum and would be in one of the refugee camps etc. that's coming up the refugee camps etc. that's coming up in the refugee camps etc. that's coming upina the refugee camps etc. that's coming up in a moment or two. send me an email, or message us on facebook. we'd love to talk to you yon the programme so do put your fone number in your email if you're happy to talk to me! let's get some sport. 0lly foster is at the bbc sport centre. india are going to win the third test later this morning. it's going to be hard for england to

do anything about it?! yes, it will be! expect india to finish it off well before lunch. that will take it to 2-1 well before lunch. that will take it to 2—1 with two to play in the series. adil rashid andjimmy anderson will be back out there this morning. it was a brilliant fifth wicket partnership of 169 runs between joss buttler and wicket partnership of 169 runs betweenjoss buttler and ben stokes which had england dreaming for a while. but they are both gone, it only delayed the inevitable, really. as we go into the fifth day we can expect india to wrap things up. jonathan agnew sent us this from trent bridge a short time ago. they will take the good and the bad, as you would expect just there was a lot of bad but there was some good. starting with the bad, the way england batted cost them the match. they will lose today, no doubt about that. the lack of defensive technique that they showed in that first innings was responsible for that. far too many slip catches

going down, and there seems to be a loss of confidence in the slip cordon now. they will want to do something about that. the good and i'io something about that. the good and no doubtjoss something about that. the good and no doubt joss buttler and the way he batted yesterday, really good for him to knuckle down and scores first te st him to knuckle down and scores first test century in that manner i thought was outstanding. some lovely strokes but he showed great patience and with ben stokes as well, of course, showing us how to do it. so thatis course, showing us how to do it. so that is the good but there was ple nty of that is the good but there was plenty of bad! book if england were to do something miraculous, they need another 220 runs—odd without losing a wicket! 0ne need another 220 runs—odd without losing a wicket! one other line coming out of nottingham. nottinghamshire county cricket club, who are hosting the test, had been heavily criticised over their ticket prices for the final day. they were going to charge £10 with no refunds, even though it could last just one ball.

even so, 2000 tickets were sold at that price. they are now going to refund all those tickets, entry is now free. but they will be taking collections for charity. common sense has prevailed. there was some football in the championship last night, what is going on at qpr? steve mclaren is in charge at loftus road. remember the kind of regard he was held in towards the end of his england career. well, just four league games into the season, he's got that sinking feeling yet again. four defeats out of four, they were thumped 7—1 at west brom over the wekekend, 3—0 at home to bristol city last night. they are the worst team in the whole of the football league. no points, —11 on the goal

difference. he has asked for patience. they are propping up the championship. leeds united are on top of it. swa nsea swansea were twice ahead at the liberty stadium last night but leeds came back to get a draw. could this be their year? that point is enough for leeds to climb above boro onto the top of the championship on goal difference. they are going well but they started well last season as well. and serena williams is at the top of the rich list? yeah, it emphasises that being a rich athlete is nothing to do with prize—money. serena williams was out for about a

year having a baby and she has won just over £50,000 on tour but she picked up over £14 million in endorsements, sponsorship deals. it is the third year running that she has come out on top of this rich list, earning twice as much as any female athlete. lots of money swimming around in tennis at the momentjust eight of the top ten in the list are tennis players. a retired race driver makes the top ten, as is this badminton player, a 23—year—old from india. 0lympic, commonwealth silver medallist, she has only been ranked number two in the world but she is a massive star in india. again, very marketable, endorsing loads of products. and she is in the top ten. but remember, victoria, forbes publish their top

100 richest sportspeople across—the—board just a few months ago — and they were all men. so long way to go for women catch up on that front of. our exclusive story this morning... shocking new images of migrants trying tojump onto the back of lorries in france, desperately trying to get to england. we've got an exclusive report from a tiny french port becoming known as "the new calais". backin back in may on this programme we first thought you news of concerns of lorry drivers around the port of 0uistreham, who were saying that people were causing damage by trying to get into their vehicles. ouistreham is in normandy, just over 200 miles west of calais. it is a popular route to the uk. the portsmouth ferry to caen docs here three times a day. we have now seen for ourselves what the situation is like and the footage we are going to show you is pretty shocking. police

say it has got to the stage where the migrants in ouistreham are risking their lives and those of others. here is our exclusive report. it is a new frontier in europe's migrant crisis. hundreds so desperate to cross the channel to england that they risk their lives and the lives of others all day, every day. it is taking its toll on residents. and it is creating a huge problem for authorities. the question is, what to do?

0uistreham, normandy. fishing port and d—day landing spot. it's about four hours' drive along the coast from calais. three times a day, the portsmouth to caen ferry docks here.

and countless times a day, this happens. tiger says he is from the darfur region of sudan. he spends his days chasing moving lorries to try and get across the channel. we've seen people trying to get on the lorries. do you try and do that every night? it's usually fruitless. most who manage to get onto trucks

are only found at the port and sent on their way again. the ferry is leaving tonight without tiger. aid workers have seen this all before in calais. but here in 0uistreham, there is no formal aid help. most of the people here are from south sudan. there has been a pretty bloody conflict there for over four years. their journey here has been horrific. they have crossed libya, which is a really nasty place. there's a lot of torture, horrible detention, going on there. they've crossed the mediterranean, they've faced untold horrors.

they have lost family members. nobody here has a good story. they are stopped from setting up camp year, so they sleep on grass verges, bushes, on benches, waiting to try and get on the next ferry. to come up with a plan like that, of running towards a moving lorry, itjust breaks my heart that somebody could be that desperate to try that. it is horrible. it is horrible watching it. there have been reports of police brutality in northern france. migrants tell us, not here. for gendarmes, the main worry is safety around the port. as we film, this happens. three migrants hiding in a boat hole. some uk haulage firms are now sending a strong message.

they are avoiding this route home altogether. at a local truckstop, everybody is wary, too. it's mid—afternoon. another ferry will leave soon. these kind of scenes are taking their toll on the town. naomi and alain came to ouistreham for peace.

now they say they have had to move from the port area because of the migrant issue. it was a freezing winter and it has been a brutally hot summer. the migrants have been here throughout. at the fish market, this woman thinks the migrants are here to stay. she thinks it's the duty of local people to help them. we're invited to a hand—out of food and clothing. local charities do this a few times a week. but our camera isn't welcome. no—one wants to be filmed.

it feels very tense. europe, france, the uk, we are not dealing with this situation very well. it is the biggest crisis of our generation. this sort of situation wouldn't exist if we had safe and legal routes, for example, if we had better set up processing centres. if we had ways for people to be assessed. people to get a legal right to be reunited with their family. then, normal citizens wouldn't have to deal with this. the lorry drivers wouldn't have to deal with it. pressure is on the french authorities to solve the problem. the local mp says he's got to know the migrants and their needs. whenever we speak to migrants, they say they are 17.

some look like children, many are clearly a lot older. m brancher also spent time with the police. he says migrants just claim to be under 18 to avoid going through the asylum system in france. the mp‘s idea as a fingerprint database. so people who are under 18 can be properly looked after. and those that aren't are identified and have to seek asylum.

or be deported. but in france, only 17% of asylum applications were successful last year. so migrants like tiger continue to risk their lives, hell—bent on getting to england. and we'll be talking more about this just after 10 o'clock this morning. i have a nephew who gave up driving to the continent because of this, he says it is really frightening, the french only pay lip service to preventing this, they do not want them, they see this as a way of ridding themselves of the problem. 0n ridding themselves of the problem. on twitter, it is not a good situation for anyone, terrible for the lorry drivers and all. people risking their lives, every night, to reach the uk. people don't do this u nless reach the uk. people don't do this unless they are desperate, we need to help as this situation is not going away. mike on twitter says, we sailed out there on sunday, it was worse this year than last but they are still pulling them out of

lorries at the port. we were checked for times with our caravan. 0ver lorries at the port. we were checked for times with our caravan. over 300 migrants are in the port, loitering around the fish market. lots of gendarme, affecting local business. we wa nt gendarme, affecting local business. we want to hear from you if you are a lorry driver. if you are affected because you use this particular port. get in touch this morning, maybe we can have a chat. still to come, as criminals use increasingly clever methods to scam people out of their money, the financial watchdog asks banks to be more sympathetic to customers who have been conned. we'll speak to a woman who just two weeks ago was tricked out of £5,000. and british holidaymakers react to the news that all—inclusive hotels are set to be banned in majorca and ibiza by the spanish government in a crackdown on anti—social behaviour. and british holidaymakers react

to the news that all—inclusive hotels are set to be banned in majorca and ibiza by the spanish government in a crackdown on anti—social behaviour. time for the latest news, here's joanna gosling two former senior members of president trump's inner circle have been convicted of criminal offences in separate legal cases. paul manafort, who managed his campaign for president, was found guilty of eight charges of bank and tax fraud. trump's former lawyer, michael cohen, admitted tax fraud and violating campaign finance laws and told a court in new york he'd paid women off on donald trump's orders. police in northern france say migrants are risking their own lives and those of others in their attempts to get to the uk. around 200 mainly sudanese migrants have been camping around the port of ouistreham near caen in normandy, waiting to board lorries bound for england. they see the port's ferry crossing to portsmouth as a potentially easier route than going via calais, where there is a heavy police presence. a bbc news investigation has found that some ryanair passengers who received compensation for cancelled and delayed flights were sent cheques that hadn't been signed.

other customers said they had been charged extra banking fees after cheques bounced. rya nair has apologised and blamed the problem on an "administrative error". facebook says it's removed more than 60 pages and accounts linked to iran and russia for what it called "inauthentic" or "manipulating" behaviour. it's believed the misinformation campaigns were targeting britain, america and the middle east. twitter says it has also suspended around three hundred accounts. it comes a day after microsoft said it had thwarted russian cyber—attacks against us conservative groups. banks have been told they must treat customers more fairly when they fall for scams. that's the message from the financial 0mbudsman, which says they are too ready to blame the customers themselves. last year, customers transferred nearly 240 million pounds to fraudsters, only a quarter of which was refunded by financial firms. the ombudsman says banks too regularly say customers were "grossly negligent" in giving out their personal information. uk finance, which represents the banks, says the industry has introduced new standards on how

they respond to victims. a quarter of school—age children have never been taken for a sight test by their parents, that's according to a survey by the association of optometrists. it says that children are developing permanent vision problems because they are not being examined early enough. the report reveals that more than half of parents think their child will have a full sight test at primary school, but not all schools offer this, and those that do usually only provide a basic screening. that's a summary of the latest bbc news. swa nsea swansea third after drawing 2—2 with

leeds. serena williams has topped the forbes rich list for the third year running, that is despite her break to have her daughter. she made almost 14 million through endorsements. i will be back after 10am. your holiday is ruined by a cancelled flight. and then, when you finally get compensation, the cheque bounces and you're charged by your bank. that's what's happened to some ryanair customers. bbc east investigations editor julian sturdy has been looking into this for us, and hejoins us from norwich. we have had people stuck on the

ground on aeroplanes for five hours ata time ground on aeroplanes for five hours at a time and people stranded abroad, going on a short trip and then stuck abroad. it has affected a lot of airlines but in particular ryanair, because lot of airlines but in particular rya nair, because it lot of airlines but in particular ryanair, because it has also had a strike, a series of stoppages by ryanair pilots in five european countries leading to hundreds of flights cancelled. on the european regulations, airlines have to pay compensation to passengers but only if it is the airline's fault and in the case of ryanair, many claims have been refused because ryanair says that these are extraordinary circumstances. one of the lucky ones who got compensation, a businessman from bournemouth, he was on a trip injuly, from bournemouth, he was on a trip in july, ryanair flight from spain home to bournemouth. that flight had a problem, diverted to madrid, stayed on the ground for three hours there, before flying finally to birmingham, he had 150 miles taxi drive home. he was pleased when a cheque arrived in the post, until he opened the envelope: in the end we

got £440, but there was no signature oi'i got £440, but there was no signature on the check when i received it. itook i took time away from work to try to get the cheque. i went to the website for them to respond and send out a new check but i still have not had a reply from them. gordon is not the only one. i have personally spoken with a number of customers, a number of others have posted on social media. still trying to get to the bottom of the problems. ryanair has admitted to a unsigned checks but also talking to passengers who have had other problems with checks they say were signed. a grandmother from manchester, she has been fighting for compensation for 11 months. cancelled flight, european compensation, she claimed for a hotel, a sum of 157 euros. when she took the cheque to the bank, it was

returned. i received the cheque. pleasantly surprised. i banked the cheque. i didn't think anything would be wrong with it. then it was weeks later when i received a letter from the bank to see that the cheque had bounced. i was absolutely dumbstruck. i was upset and annoyed. i would rather have them not to give me the money in the first place, than give me the money and take the money away and charge me for it. ryanair has rya nair has apologised ryanair has apologised for what it calls an administrative error. some of the cases we have spoken to are not in this period, they say it has reissued the checks, again, passengers we spoke to have not received them. other airlines have been affected by air traffic control shortages and it does abide by eu regulations to pay out compensation

and to put it into context, we are dealing with a small amount passengers full. ryanair made a profit last year of £1.3 billion. thank you for putting it into context. thank you for coming on the programme. over the last year, more than 8,500 people have contacted the body responsible for investigating complaints into financial services saying they've been a victim of fraud or a scam. that's a 17% increase. a new report by the financial ombudsman says banks need to recognise the technological skills of the fraudsters and be more sympathetic to customers who've been scammed. as the methods used by conmen become increasingly sophisticated, it's affecting not just the vulnerable but tech savvy young people as well. so how can the industry get a grip on this and what can we do as consumers to protect ourselves? lets talk now to louise lansdown, just two weeks ago she was scammed out of £5000. richard emery is an investigator

of financialfraud, and jenni allen is the managing director of which money. lewies, tell us what happened two weeks ago. i was driving along in the lake district and received a phone call, no caller id, from someone claiming to be from my bank. —— louise. they said there had been suspicious activity on my account and they needed to cancel my card and they needed to cancel my card and send me a new one. and they said the direct debit had been attempted by someone at carphone warehouse, they tried to set up by direct debit for £90 and therefore my security was compromised, and so, i immediately asked for clarification and verification that this was the bank calling me. the person on the

line said, certainly, i will send you a text message, which they did, they gave me a code and said, don't tell anyone this code. they did not ask to hear it, to see the code. i therefore thought that it was bona fides, and they quoted at the time, isaid, fides, and they quoted at the time, i said, what other verification do you have, they said, these are the last transaction due have made, they quoted that very day what i had done. and what i had bought. i assumed they were bona fides, and i trusted that, they said, when you hang up, your account will be frozen, you will be able to see that, and we will send you a new ca rd that, and we will send you a new card but we need to call you back to verify some details and secure your account. i was driving, i said, no problem. you can call me back. we made a time for the following evening. they then called back on

sunday, august five, 7:45pm, and said, in order to secure your account, we need, and i could see that my account was closed, so that was accurate. they had managed to infiltrate the inner workings of my account. the text message system they used was exactly the one that i am message by rbs, which is my bank. and it came in like the usual way that text messages do. to continue on this sunday evening with the phone call, they then, same thing, i went through the same security checks, they sent me a code through the rbs system, verifying it was rbs sending the message. and saying that i needed to, because it had been a direct debit problem, that they would need to therefore make a new account number for me, would need to therefore make a new account numberfor me, to move my money into to ensure it was safe. i

said, that sounded strange. i needed further security and verification. at all times, in both conversations, i had them on speaker with my partner, we both sort of worth motioning to one another to ask this or that security question, which we did. that was completely heard by somebody else. in the end, you did tra nsfer somebody else. in the end, you did transfer £5,000 into what you thought was your new bank account. i will bring in richard, listening to the story. louise did not do anything wrong. i don't think she did anything wrong. this is a major issue. we sometimes call it authorised push payment fraud, within that we talk about account transfer fraud. in her case, within that we talk about account transferfraud. in her case, £5,000, in the case of one of the people i am assisting at the moment, it is £270,000! and there are really

serious questions about the responsibility of both the sending bank, but also, the focus as far as i'm concerned is of the receiving bank, we might want to explore that in more detail. good question, i will read what rbs says, your bank, we sympathise with your customer who has been a victim of a scam, we take our responsibility very seriously, we remind customers to be vigilant, full security credential should never be revealed at the request of someone over the phone, if the customer receives such a request they should decline it and report it to the bank immediately on a phone number they can trust. that is the statement from rbs. what about the bank into which you transferred the £5,000, can you get it back from them? that is apparently an hsbc account that it was transferred into, ithink account that it was transferred into, i think my real problem is that when i notified royal bank of

scotland, of the scam, a few minutes after it had happened, they assured me that they would immediately put a hold on that hsbc account that evening. i trusted them. they said they would investigate it instantly, i called back again to hours later, to check they had done what they have promised, they assured me they had put a hold on the hsbc account, the following morning, when i was told to call their team at 8am when they open, i did so, apparently, no hold had been put on that hsbc account. 0k, hold had been put on that hsbc account. ok, now, iwill bring in richard again. are you both of the opinion that it is the receiving bank that should be refunding somebody like louise? we fundamentally think the banks collectively need to take more responsibility for these frauds. how would they do that? protecting and

reimbursing. from a consumer point of view it doesn't matter where money comes from, louise has done nothing wrong, she has acted reasonably, yet she has lost money and so the banks need to arrive at a scheme where she will be reimbursed and that is what we are working them with. the banks say, we stopped £2 out of every £3 of attempted fraud, we know there is more work to be done. industry has introduce new standards. the financial ombudsman is saying, banks are still not sympathetic and not. just to answer the question, as to whether or not the question, as to whether or not the receiving bank has a liability and whether a complaint can be made, thatis and whether a complaint can be made, that is actually the big difficulty at the moment, the receiving bank does not owe a duty of care to the victim, the victim cannot make a complaint to the financial ombudsman service about the actions of the receiving bank. therefore, the receiving bank. therefore, the receiving bank, who, in my view, and based on the investigations i have done, are likely to be hosting an

account which either has been opened without compliance to the money—laundering regulations, or operated without compliance to the payment services regulations, so the receiving bank is failing its regulatory duty, nobody is currently allowed to make a complaint against it and cause the money to be refunded. in most cases, i believe it is the receiving bank that is at full, although, in the case i mentioned, there is also full on the pa rt of mentioned, there is also full on the part of the sending bank. that is interesting, the ombudsman, as far asi interesting, the ombudsman, as far as i can see, is not particularly targeting the receiving banks, but telling all banks not to simply assumed their customers were grossly negligent in cases like louise's absolutely, we are finding that people are losing life changing sums of money, contacting the bank and the bank says, nothing we can do, you authorise the payment. that is not fair, these scams are increasingly sophisticated. as louise has described, how can any

person reasonably be expected to identify that as a scam, it is the bank system is being compromised, being used as part of that scam. the bank should take liability. we are really pleased that currently, we are working with the regulator and industry on a new standard which will mean banks take more responsibility when consumers have lost money to a scam through no—fault of their own. lost money to a scam through no-fault of their own. £240 million of fraud last year where customers voluntarily transferred money like louise did, and the banks refunded just one quarter of that. was that which you are dealing with, was that one son, was that over time? how does that happen? that £270,000 has a significant story in terms of the sending bank, the sending bank at a transactional limit of £20,000, so the money was in one account, £250,000 in one account, and a current account and a joint account,

so current account and a joint account, so the fraudster managed to persuade them to transfer five lots of £20,000 out of their savings account, the bank did not notice these multiple £20,000 transactions, then move £150,000 to a savings account, the single currency count, made five more payments out of that account, transferred £60,000 into the joint account, made for more payments out of that, the bank did not dip or squeak or say anything! 14 high—value payments in the space ofa 14 high—value payments in the space of a few minutes and the bank did not intervene at all! in that case, i believe responsibility is with the sending bank. could ijust, particularly for the sake of viewers, could i clarify this issue of gross negligence. when people lose money, either it happens because there is an un—authorised transaction on their account, and therefore, they did not authorise therefore, they did not authorise the transaction, in that case, the banks use this gross negligence clause. i have been working with

caroline wayman, financial ombudsman service, they have revised the way that they treat claims of gross negligence. what we are talking about in this case are what we call authorise payment fraud, where the person actually pays the money. they go through different regulatory environments, for me, the biggest concern out, authorised push payment fraud, and i estimate that in the period to 2013 /18, there are 50,000 high—value victims who between them have lost £1 billion. the scheme we are talking about, the payment systems regulator, is bringing in a scheme from next year but it will not be retrospective. i am challenging the banks to address the five year period and look at these 50,000 people who have lost £1 billion. good luck, let us know how you get on. louise, thank you for joining us from your holiday, enjoy

the rest of it if you can. coming up: pet shops and dealers in england could be banned from selling puppies and kittens under plans being drawn up by the government. we'll speak to downton abbey actor peter egan who joined campaigners at downing st yesterday calling for the change in the law. we'll also meet his rescue dog pippa. they're sold as the holiday of dreams, unlimited food, booze and sunshine for a week. but if your destination of choice is ibiza or majorca you could soon be banned from free, bottomless alcohol at all—inclusive hotels. tourism bosses are reported to be planning on cracking down on "all you can drink deals", blaming them for anti—social drunken behaviour and so—called "uncivic tourism". if the plans go ahead it means hotel guests on all—inclusive packages will have to order from a waiter and pay for their drinks. let's speak now to liz mounfield, a british holidaymaker who is currently on an all—inclusive holiday in ibiza.

and jill waite, a travel agent here in the uk. in terms of your all—inclusive holiday, how do you react? we have not seen unruly behaviour, since we have been here, we arrived on friday, with regard restrictions on the drinks, we are seeing some restrictions, but not really affecting us that much. but then we have four children, we are not on a stag do or anything like that. what does the all—inclusive bit at your resort include? we do have all—inclusive, well, as we anticipated, we have a level of all—inclusive drinks. we have brea kfast all—inclusive drinks. we have breakfast provided, lunch provided, tis breakfast provided, lunch provided, t is provided. drinks are not restricted. they are restricted by time, and we find they are

restricting the types of drinks we can have. we can only have a certain beer, a beerfrom the tap but only one at a time. very much you have two prove you have finished that drink before you return and have another drink. i can have a house white, in terms of wine, but nothing else, i had to pay for anything else. the children are oblivious, quite content with juices and pop and things like that. as far as they are concerned, it is fine, all—inclusive. definitely seeing restriction on the type of drink we can have. and the time. as a british travel agent, what you think about these times? tied to the wrong type of thing, a lot of people who do the all—inclusive families, they are not trying to get blind drunk but they are enjoying all—inclusive for the kids. really we should be targeting the results which encourage cheap bars, and encourage young ones to

drink loads for 10 euros and whatever, target that more than the all—inclusive results. —— results. the rationale for this is to crack down on anti—social behaviour, there must be evidence that all—inclusive deals are contributing to anti—social behaviour? deals are contributing to anti-social behaviour? truthfully, asa anti-social behaviour? truthfully, as a travel agent, i would not say they are, because a lot of young people who go away do not go all—inclusive, and a lot of people who do our families and that is not where the anti—social behaviour is. it is young ones going out at night, down the strip, drinking on the cheap drinks deals which are out. what will it mean for the market if these plans go ahead. a lot of families like it, that is a big selling point, because families like to have that security that everything has been paid for. i think it would be a mistake. because i would say, it will lead... 50% of

families are booking all—inclusive. thank you very much, thank you the both of you. enjoy the rest of your holiday. news and sport in a moment, and all of the weather, and after that we will be back in the tiny french port which has become a new hotspot for migrants trying to reach the uk. blue sky and sunshine, others have had outbreaks of rain, started off across scotland and northern ireland, now working down into parts of follow the track of the rain, you can see how it has been moving south from scotland and northern ireland, continuing on itsjourney south from scotland and northern ireland, continuing on its journey south and east into parts of northern england, north wales, north midlands, becoming increasingly patchy as it does so. behind it, spells of

sunshine, ahead of it, mist and murk to clear from western and southern coasts. dividing line between the warm humid airto coasts. dividing line between the warm humid air to the south and something fresher further north, lighter winds generally, brisker for the western side of scotland. temperatures 14 to 19 celsius. ahead of it, holding onto the warmth and humidity, temperatures up to 26,27 celsius. band of cloud and patchy rain through the evening, further south, across parts of central england into southern wales, really starting to pep up for a while as the night wears on. rain in the far north—west, later on in the night. temperatures between ten and 17 celsius. another muggy night across east anglia and south—west england. not for long, fresher air, east anglia and south—west england. not for long, fresherair, sliding its way south and east, and we have some rain to deal with, by this stage, south—east england, it will

fade, a numberof stage, south—east england, it will fade, a number of share was piling in from the north and the west, chiefly north western parts of scotland, northern ireland, a view for northern england, fresher feel tomorrow. highs of 14 to 22. into friday, north—westerly wind, showers, longer spells of rain, western, northern scotland, into parts of northern england. further south, mainly dry, spells of sunshine, noticeable dip in temperature. 13 to 19 across the board. into saturday, north—westerly wind, fairly. to what for many is a bank holiday weekend, at this stage, looks like fewer showers, most having a mainly dry day, if we catch a shower it will be across northern and western parts of scotland, a few across northern england, otherwise, dry day, spells of sunshine, particularly through the morning. through the afternoon, clouds developing. after a chilly start, temperatures 13 to 17 celsius,

across scotland and northern ireland. on into sunday, looks like most of us will have a mainly dry day, showery rain a little later in the day, and more detail on the website. hello, it's wednesday, it's 10 o'clock, i'm victoria derbyshire. exclusive — is it the new calais? we bring you drmatice footage from the french port where migrants are risking their lives chasing lorries in an attempt to get to england. to come up with a plan like that, running towards a moving lorry, it breaks my heart. that somebody could be that desperate to try that. it is horrible, it is horrible watching it. also, donald trump's former personal lawyer faces jail after admitting in court paying porn actor stormy daniels to keep quiet about an alleged affair with the us president, and indicates he was told to do so by mr trump. meanwhile, the us president's former

campaign chief is found guilty of multiple tax and bank fraud charges. the trial came about because of an investigation into alleged election meddling by russia. had nothing to do with russian collusion. we continue the witch hunt, thank you very much. we'll ask how significant this is for president trump's future. and this man is being forced to live in his car because he can't find anywhere suitable to live. we'll hear new claims that letting agencies who refuse to rent to tenants on benefits are breaking equality laws. good morning, it's 10 o'clock. here'sjoanna with a summary of the day's news. two former senior members

of president trump's inner circle have been convicted of criminal offences in separate legal cases. paul manafort, who managed his campaign for president, was found guilty of eight charges of bank and tax fraud. while his former lawyer michael cohen admitted tax fraud and violating campaign finance laws and told a court in new york he'd paid women off on donald trump's orders. last night, the president told reporters that the convictions had nothing to do with the investigation into links between his campaign and russia. it doesn't involve me but i still feel it's a very sad thing that happened, this has nothing to do with a russian collusion. this started as russian collusion, this has absolutely nothing to do, it's a wish hunt and it's a disgrace. it's had nothing to do with what it started out, looking the russians involved in our campaign. there were none. i feel very involved in our campaign. there were none. ifeel very bad. police in northern france say migrants are risking their own lives and those of others in their attempts to get to the uk. around 200 mainly sudanese migrants have been camping around

the port of ouistreham near caen in normandy, waiting to board lorries bound for england. they see the port's ferry crossing to portsmouth as a potentially easier route than going via calais, where there is a heavy police presence. a bbc news investigation has found that some ryanair passengers who received compensation for cancelled and delayed flights were sent cheques that hadn't been signed. other customers said they had been charged extra banking fees after cheques bounced. rya nair has apologised and blamed the problem on an "administrative error". a british man is feared dead after he was reportedly thrown from a banana boat in portugal on monday. 29—year—old richard chapelow is thought to have disappeared after the float overturned at the santa clara dam in the south of the country. he had been a guest ofjon hunt, the billionaire founder of the foxtons estate agency. pet shops could be banned from selling puppies and kittens under new government plans to crack down on unethical breeders. the aim is to reduce the number of animals that suffer health problems after being reared in poor conditions.

under the proposals, people would have to buy their pets from a registered breeder or a rescue centre. facebook says it has removed more than 600 pages and accounts linked to iran and russia for what it called "inauthentic" or "manipulating" behaviour. it is believed the misinformation campaigns were targeting britain, america and the middle east. twitter says it has also suspended around 300 accounts. it comes a day after microsoft said it had thwarted russian cyber—attacks against us conservative groups. banks have been told they must treat customers more fairly when they fall for scams. that's the message from the financial ombudsman, which says they are too ready to blame the customers themselves. last year, customers transferred nearly £240 million to fraudsters, only a quarter of which was refunded by financial firms. the ombudsman says banks too regularly say customers were "grossly negligent" in giving out their personal information. uk finance, which represents the banks, says the industry has introduced new standards on how

they respond to victims. a quarter of school age children have never been taken for a sight test by their parents, according to a survey by the association of optometrists, which says that children are developing permanent vision problems because they are not being examined early enough. the report reveals that more than half of parents think their child will have a full sight test at primary school, but not all schools offer this, and those that do usually only provide a basic screening. that's a summary of the latest bbc news — more at 10.30. thank you for all of your messages. many of you have experience of the port of ouistreham, from where we are bringing you our exclusive report today about migrants trying to board lorries to get to the uk. this one says... a family member

experienced this very thing, her van was searched twice, underneath and inside, on both sides of the channel but it was only when they got home about seven hours after leaving the ferry that someone jumped out from underneath it and ran as fast as they could. they had removed the spare tyre under the vehicle and wrap themselves around it. seven hours clinging on for dear life through a torrential rainstorm and three motorways. we will talk more about that in the next half an hour. do get in touch with us throughout the morning — use the hashtag #victorialive. if you're emailing and are happy for us to contact you ? and maybe want to take part in the programme. please include your phone number in your message. if you text, you'll be charged at the standard network rate. let's get some sport now. india should win the third test by lunch at trent bridge. they need just one wicket when play resumes just one wicket when play resumes just about an hour from now. just one wicket when play resumes just about an hourfrom now. 210 runs, it out asking a bit too much of adil rashid and jimmy anderson on the final day. patrick geary is at

the final day. patrick geary is at the ground. good morning to you, patrick. the gates are open and you can see the fans going in to see what play there will be, not very much probably. let's start with tickets, because nottingham got a lot of stick overnight on social media, charging ten the final day, but it's now going to be free? -- charging a tenner. you're right, they had planned to charge £10 for a day which might last just they had planned to charge £10 for a day which might lastjust one ball. they got lots of stick on social media, the england fans criticising that decision. so nottinghamshire say they have slept on it and they have decided to let everyone in for free. everyone who has bought a ticket will get a full refund. nottinghamshire will take a financial hit but it does mean we should get a few people coming in this morning to see whatever action we might get, it about not too much, as you said. adil rashid andjimmy

anderson at the crease. but only that one wicket needed, it should be over fairly quickly. getting to the final day is positive of sorts for england, isn't it, after that woeful first—innings when they were bowled out for 161, but india have been fantastic, they've really upped their game and they will have their tails up going into the fourth test? absolutely. india have really transformed themselves from lords, then they were a complete shambles. but i think there are considerable concerns for england. this defeat can be dated back to the afternoon session on sunday, when england lost ten wickets. that really gave india the control of the match. yesterday england showed a bitter fight with joss buttler and ben stokes, joss buttler getting his maiden test century. but either side of that there were batting collapses, including the top order yet again. that will be a considerable concern. do they shuffle the pack there yet ain? do they shuffle the pack there yet again? and again at the close of

play when jasprit bumrah took the new ball and ran through the england batsmen yet again. jonny bairstow, unlikely he will play in southampton with his fractured finger. two test matches to go, it is really well—set up. india will have momentum but england will still have a small lead. a couple of other stories for you. leeds united are top of the championship after drawing at swa nsea championship after drawing at swansea last night. swansea twice took the lead. could this be leeds' year to go took the lead. could this be leeds' yearto go up? took the lead. could this be leeds' year to go up? the points enough for leeds to go above boro at the top on goal difference. i will have a little bit more sport for you later. this morning we're bringing you dramatic footage we filmed

of migrants chasing lorries in northern france to try to get on lorries bound for england. but this isn't in calais. this is around the port town of ouistreham in normandy, 200m miles west of calais and it's a popular route to the uk. the portsmouth to caen ferry docks here three times a day. around 200 men, mainly from sudan, are living around the port and we were told by haulage firms that their drivers were frightened, so we went to see for ourselves what the situation was like. we brought you our reporter andy smythe's exclusive film an hour ago — here's a short extract before we have a conversation about this. it happens all day, every day. a desperate scramble to get on a lorry bound for england. tiger says he's from the darfur region of sudan.

he spends his days chasing moving lorries to try and get across the channel. we've seen people try and get on lorries. do you try and do that every night? ouistreham is a small fishing village. the beach was used in the d—day landings. but it's the ferry to portsmouth that docks here now. it's attracting migrants who, with calais fortified, think this is their best chance

of reaching the uk. as we film, this happens. three migrants hiding in a boat hole. some uk haulage firms are now sending a strong message. they are avoiding this route home altogether. and at a local truckstop, everybody is wary, too. it's causing division in the town.

noemi and alain are angry. they say they've had to move out of the port area. it was a freezing winter and it has been a brutally hot summer. the migrants have been here throughout. at the fish market, this woman thinks the migrants are here to stay. so it's the duty of local people to help them. the migrants are not allowed to set up camps.

they sleep where they can. the police say they should seek asylum properly in france. but last year, less than 17% of asylum applications here were successful. so, they're determined to get to england instead. we can speak now to rod mckenzie, from the road haulage association, and clare moseley from the charity

ca re4calais. she's been helping the migrants in ouistreham. and two people have got in touch with us this morning about this. john and elaine. they both live near the port and can tell us about the kind of differences, the changes, that they've seen over the months. first of all, rod mckenzie, you've seen ourfootage, first of all, rod mckenzie, you've seen our footage, what do you think of what we have filmed there? well, i think it's terrifying and frightening and it's getting worse and certainly if you're a lorry driver, it is an enormous personal threat to you and your safety. there are two issues, really. as we have seen from the report, migrants are chasing lorries trying to get on board, which is very dangerous. human nature would suggest that if

you're being chased you will drive faster, which in itself makes it more dangerous. and we've also heard many reports from lorry drivers who've been threatened by migrants in an attempt to get on board their lorries. is it more frightening for the lorry drivers or is it more frightening for the migrants? well, i'm here to talk on behalf of lorry drivers and haulage firms who are dealing with this problem. and others can speak for the migrants. but we're clearly very worried about the important supply chain which operates from normandy and the disruption which is happening. and some firms, some drivers, are pulling out of this work because it's too frightening. clare moseley, you work with the migrants, when did you work with the migrants, when did you move to this area from calais singer i think it was about september or october 2017 when we first started to hear about people turning up there and we started to

go about once a month. in terms of the fact that they are now in ouistreham, which is 200 miles from calais, is it logical, because there is the uk ferry from portsmouth to caen and there is no camping calais anymore? yes, that was the strategy when they knocked down the calais, the strategy was to spread them out as much as possible. which it has done. and this means we also go up as far as brussels and down to caen in the other direction. and of course they've really tighten up security in calais and done everything they can to make life as difficult as they can. there are still people sleeping rough in calais but conditions are dire. how dangerous is it when we see migrants running after lorries and trying to climb on the back of them? as dangerous as it can be. there have been deaths, there have been children of 14 dying on these lorries. we've seen a lot of broken bones and people with horrific

injuries, it's dangerous. they don't need to do it. i would love it if they didn't have to. they don't have to, they don't have to come to the uk. they don't have to try to get to the uk. they feel that they have to. i think it is really important to recognise that most refugees in europe don't come to the uk. there's million in germany, half a million in italy, last year alone france took four times as many asylum applications is the uk did. the issue is that the minority are along that coast down from brussels to calais to caen, they're the ones who are absolutely desperate to get to the uk and that is where you get this feeling of, we really, really do want to get to the uk. there are now probably 300 in brussels, 700 in calais, 400 in ouistreham, the numbers are not massive but these are the ones who really want to get to the uk and by far the most common reason we hear for that is family

ties in the uk. people who have lost everything, coming from a conflict area, family ties are all they have got to hold onto. let me bring in john and elaine, both of them contacted us this morning. john, you live not too far, i think, from ouistreham, what changes have you seenin ouistreham, what changes have you seen in the area? well, i've lived here about 12 years, taking the ferry about six times a year to visit my mother in england. it used to be the sleepiest ferry port, with absolutely no visible security except a few people checking the lorries. and as you arrived at the ferry there was a lot of business there locally, there was an amusement arcade, you would have a few hundred people around there, tourists preparing for the ferry enjoying themselves, relaxing. now it is totally empty apart from police and migrants when you arrive. the police, talking about speed, the

last time i came over the police we re last time i came over the police were saying faster, faster, don't stop at traffic lights, keep going, because they didn't want us to slow down the lorries. the lorries to ta ke down the lorries. the lorries to take a slightly different route in the last mile towards the ferry to the last mile towards the ferry to the cars so... elaine, your husband works in the uk, you live there so you go to the port to pick him up. you say you feel intimidated when you go there to pick him up?” you say you feel intimidated when you go there to pick him up? i do. it's very difficult. i normally go there alone because i do go to pick my husband up. and in the past i would have probably parked up and gone for a meal in one of the local cafes. while i waited for the ferry. but now, i wouldn't do that. it doesn't feel safe, particularly as i still drive a british registered car. and normally i go straight into

the boundaries of the ferry port car park now, where i know the car is relatively safe and that no—one is going to risk their own life trying to get into the car thinking that it's probably going to be going to the uk when in fact it's not. i would hate to think that anyone would hate to think that anyone would risk, you know, risk their life for that. so, yeah, life forthat. so, yeah, it's completely different. i've lived here 14 years and john is absolutely right, at that time there were no fences up around the ferry terminal, it's a sleepy little town, the cafes we re it's a sleepy little town, the cafes were bustling and beautiful. so there has been a huge change. but i don't want to come down on one side or the other, ijust feel that point i would like to make is that the whole situation is terribly sad for everyone and, you know, the businesses, the people who live

there but also, clearly, these people are desperate and it's a very, very difficult and sad thing to watch when you actually see people being hauled out of a lorry with their sleeping bag, as a human being you can't not be moved by that. rod mckenzie from the road haulage association, you were on the programme three months ago talking about the concerns of lorry drivers and nothing has changed, what is the solution? one thing which bothers me about your report is this kind of groundhog day, where a migrant is stopped by the police, check over and effect every put back to where he or she was before. and then they try again the next day and so on. so i think it's up to the authorities to tackle this at root cause, because otherwise it willjust continue. we've had a report this week, for example, of migrant getting on board a refrigerated lorry in eastern france, many miles away in dijon. —25 degrees in a

refrigerated lorry, incredibly dangerous. if people like that are prepared to go to those sort of measures, it's after the authorities either to deal with the application properly torreira to deter in some other way those which they rule are illegal. what would you say? we need safe and legal routes for genuine refugees. there are people in calais and caen and brussels who have a legal right to be in the uk and they are not getting processed... because they have to be processed in the uk and therefore they have to get here first? yes. and also if you have, for example, underage people who have family in the uk, they can be processed from france but that isn't happening, either. . often as we heard in andy's report, when asked how old, these young men will always say 17 because they know to say under the age of 18 and that may not be true? and that i feel is another

really sad casualty of the refugee crisis, because basically they have been taught that behaviour, because they were taught that we didn't value anybody who wasn't u18. so they don't even really understand why, they just know they don't even really understand why, theyjust know that unless you're not u18 we don't care about you, which is another really sad casualty of this crisis which has been ongoing. we have got some more m essa g es been ongoing. we have got some more messages from people who have been watching us around the country. this one says. . . watching us around the country. this one says... having travelled to and from france via ouistreham for many yea rs, from france via ouistreham for many yea rs , we from france via ouistreham for many years, we found the situation this years, we found the situation this year very into the dating and even dangerous. the migrants were hiding in roadside ditches and on any available patch of grass. they lined the entrance to the port making travel to the shopping area opposite a no—go. lorries entering the port have to go through the streets of the port accelerating at an alarming pace, breaking the 20km/h speed risk actions and being chased by numerous police cars. it's only a matter of time before someone not involved is

killed, button on the migrants. this one says. . . killed, button on the migrants. this one says... we have used this port for decades. it used to be a lovely resort to spend time in before getting on the ferryjudging the feels like a no—go area. it has become rundown. this one... we will not use this port anymore without motorhome. this has been going on the previous. if you park that they try and that in your vehicle. the police chase them but don't arrest them. this one says... why do they wa nt to them. this one says... why do they want to get to england? is it because we give them accommodation and money and france don't? then all we need to do is change our laws. this one... the migrants want to go to the uk and have found a way to avoid the french asylum system. i think the uk should have an office there and make quick decisions. thank you all of you have a coming on the programme. the story of the president and the porn star. donald trump's personal lawyer faces jail after admitting paying a woman thousands of dollars to keep quiet about an alleged affair

with the us president. this is stormy daniels, the adult film star at the centre of the allegations. she had been expected to appear in the current series of celebrity big brother here in the uk, but pulled out. and here she is with donald trump in a photo taken from her myspace page, proving that the president has met her. the legality of cohen's payment to stormy daniels turns mostly on whether it was for the purpose of influencing an election. in this case, it would have been potentially quite important to voters to know that this $130,000 payment was being made. did you know about a $130,000 payment to stormy daniels...?

why did you decide to join the team? because i believe he's one of the best presidents we've ever had. he was definitely reimbursed, there's no doubt about it. so why did he say he wasn't? maybe... first of all... rudy is a great guy, but he just started a day ago. this was information that the president didn't know at the time but eventually learnt. i'm senior director for litigation at the campaign legal centre, former associate general counsel.

coen made this payment to make the daniels situation go away. cohen made this payment to make the daniels situation go away. and he could not have done that under legal ethics or else he could not have done that without at least some consultation with his client. he had to at least let his client know that the claim existed and that cohen was going to take care of it. under campaign finance law, that level of consultation is enough to make the subsequent payment a contribution to the current campaign. it appears that mr giuliani has recognised the mistake that he made in admitting that part of the purpose of the payment was to keep the daniels story out of the campaign and has attempted to walk that back. but i don't think he can ring that bell. imagine if that came out on the 15th of october 2016 in the middle of the last debate... when you stated on national tv that the reason that mr cohen made the payment was to do his,

who is make the story go away, it will almost certainly be used to rudy giuliani's client's detriment. the amount of the contribution vastly exceeded the legal limit. the second piece is that the trump campaign was required to disclose that payment as a campaign contribution, and it did not. the voters have a right to know who is spending money to get candidates elected. if we had to defend this as not being a campaign contribution, i think we could do that — this was for peripheral reasons. in april this year stormy daniels said that she was committed to making sure that all the facts come out. for years, mr cohen has acted like he is above the law. he has considered himself and openly referred to himself as mr trump's fixer. he has played by different set of rules. or, shall we say, no rules at all. he has never thought

that the little man or especially women, even more women like me, mattered. that ends now. my attorney and i are committed to making sure that everyone finds out the truth. and the facts of what happened. and i give my word that we will not rest until that happens. we now know that michael cohen has made a plea deal with prosecutors and admitted making illegal campaign finance contributions just weeks before the presidential election. and he said he made these payments, quote, at the direction of the candidate, widely understood to be mrtrump. candidate, widely understood to be mr trump. speaking to reporters outside court, a prosecutor said michael cohen's crimes had been particularly significant because he was a trained lawyer, us attorney for the southern district of new york. mr cohen pleaded guilty to

two, 14 financing an unlawful contribution and secondly for making an excessive personal contribution, both for the purpose of influencing the 2016 election. in addition what he did was, he worked to pay money to silence two women who had information that he believed would be detrimental to the 2016 campaign and to the candidate and the campaign. in addition, michael cohen sought reimbursement for that money by submitting invoices to the candidate's company which were untrue and false. they indicated that the reimbursement was for services rendered for the year 2017 when in fact those invoices were a sham, he provided no legal services for the year 2017 and it was simply a means to obtain reimbursement for the unlawful campaign contribution.

the lawyer the stormy daniels is suing both mrtrump the lawyer the stormy daniels is suing both mr trump and mr cohen for defamation. but there was more bad news for the president yesterday, in the same hour that his former lawyer was in the dock pleading guitly, mr trump's ex—campaign chief paul manafort was convicted on eight charges of tax fraud, bank fraud and failing to disclose foreign banks accounts. following the verdict — president donald trump said that paul manafort‘s conviction was part of a "witch hunt" following the 2016 presidential election. it doesn't involve me, but it is a sad thing that has happened. this has nothing to do

with russian collusion. this started as russian collusion. this is a witchhunt and a disgrace. this is nothing to do with what they started out, looking for russians involved in our campaign. i feel very badly for paul manafort. the question is, how damaging is it to the president? can and will donald trump weather the storm? i'm joined now by dr brian klaas, a global politics fellow at the london school of economics and washington post columnist. good morning. how significant is this? the most significant legal development of president trump's time in office, for two reasons: all mannerfor, former time in office, for two reasons: all manner for, former campaign chairman, is facing potentially more than a decade in prison, that is serious liver is to get into flip on his former boss, and potentially operate in ways that could implicate the president. you tell us the

information we will reduce the prison sentence. yes, that also applies to michael cullen, he directly into katie president trump in crimes, he said, i did these crimes at the direction of president trump, that is notjust go away, thatis trump, that is notjust go away, that is an accusation under oath by his own lawyer that he committed crimes, so that is something that will linger on and we will see how much legaljeopardy will linger on and we will see how much legal jeopardy there will linger on and we will see how much legaljeopardy there is but there will be little fallout from this as well. michael cole and's lawyer asked the question, if the questions are —— payments are a crime for michael cohen then why aren't they a crime for donald trump? —— michael cohen. now, is it likely that michael cohen will cooperate with the second fbi enquiry into whether russia colluded in the election. yes, and this is what they will dangle in front of michael cohen and paul manafort, these people were based at the centre of the trump organisation and the trump campaign, they know everything donald trump was up to,

thatis everything donald trump was up to, that is why they are very significant witnesses. if we zoom out, let's remember, now we have a guilty plea from the president's lawyer, a conviction of the campaign chairman, a guilty plea from the personal security adviser, a guilty plea from the former campaign foreign policy adviser... and, a guilty plea from his former beauty campaign chairman. the net around president trump of legal and political jeopardy is president trump of legal and politicaljeopardy is closing and all these prosecutors are trying to net the biggest fish of all, donald trump. in order to do that, he would have to be impeached, which is much more of a political act than a legal process. two possible avenues, an indictment, nobody ever knows if you can indicta indictment, nobody ever knows if you can indict a sitting president, it has never been attempted, constitutionally scholars are divided; impeachment is a possibility... canyon describe these kenyans binders. impeachment is an attempt to remove president from

office, indictment is to attempt to send them to dale. the house of representatives would look for a majority, if that happened, a trial in the midge sennett, it is possible in order to convict republicans, people in trump's and party would have two to impeaching, so it is how much political damage would be done to them to the point where they would be willing to turn on their own leader. thank you very much for joining us. coming up in the rest of the programme: why this man is being forced to live in his car because he can't find anywhere suitable to live. we'll hear new claims that letting agencies who refuse to rent to tenants on benefits are breaking equality laws. pet shops and dealers in england could be banned from selling puppies and kittens under plans being drawn

up by the government. we'll speak to downton abbey actor peter egan who joined campaigners at downing st yesterday calling for the change in the law. we'll also meet his rescue dog pippa. time for the latest news, here are the headlines this morning. two former senior members of president trump's inner circle have been convicted of criminal offences in separate legal cases. paul manafort, who managed his campaign for president, was found guilty of eight charges of bank and tax fraud. his former lawyer, michael cohen, admitted tax fraud and violating campaign finance laws and told a court in new york he'd paid women off on donald trump's orders. last night, the president told reporters that the convictions had nothing to do with the investigation into links between his campaign and russia. police in northern france say migrants are risking their own lives and those of others in their attempts to get to the uk. around 200 mainly sudanese migrants have been camping around the port of ouistreham near caen in normandy, waiting to board lorries bound for england. they see the port's ferry crossing to portsmouth as a potentially

easier route than going via calais, where there is a heavy police presence. a bbc news investigation has found that some ryanair passengers who received compensation for cancelled and delayed flights were sent cheques that hadn't been signed. other customers said they had been charged extra banking fees after cheques bounced. rya nair has apologised and blamed the problem on an "administrative error". banks have been told they must treat customers more fairly when they fall for scams. that's the message from the financial ombudsman, which says they are too ready to blame the customers themselves. last year, customers transferred nearly £240 million to fraudsters, only a quarter of which was refunded by financial firms. the ombudsman says banks too regularly say customers were "grossly negligent" in giving out their personal information. uk finance, which represents the banks, says the industry has introduced new standards on how they respond to victims. india should win the third test

later this morning, needing only one wicket on the final day to beat england at trent bridge chiefs have backed down over ticket prices, they will now let people in for free today. leeds top the championship table, boring 2—2 at swansea, pablo hernandez with the second equaliser on the night, swansea city. —— drawing. serena williams has topped the forbes rich list of female athletes for the three year running, because of her 14 month break to have a baby she won less than £50,000 in prize money but made almost 14 million through endorsements. richard whitehead was one of three gold medallists in the second day of the para athletics championships in birling, stormed to victory in the 200 metres. that is all your sport for now. how difficult is it to to rent somewhere to live if you're on benefits?

according to a report out today from shelter and the national housing federation, five of england's leading letting agents actively discriminate against tenants on housing benefit and could be in breach of the equality act. it's being argued that because people protected by anti—discrimination laws, like those with disabilities are more likely to be in receipt of benefits, landlords and letting agents who refuse to rent to them might be acting illegally. in the studio we have stephen tyler, who says he can't find rented accomodation because he's on housing benefit. he's been using a wheelchair since an accident in 2016 and says he's been sleeping in his car since february. richard lambert, of the landlords association. greg beales from the housing charity shelter. karen jackson a disability discrimination lawyer. we asked for adaption to be made for

wheelchair access, i phoned up to 20 landlords, estate agents every day, none except dss, some say, it is fine, phone us back in two or three days, we find them back and they say, no, we have prioritised somebody who is working. anybody on benefits. because i cannot work in career that i want, as a driver, i have to be on housing benefit, which they won't accept. you are sleeping in yourcar they won't accept. you are sleeping in your car every night? yes, we we re in your car every night? yes, we were given five days in a hotel, by birmingham city council, we got a knock on the door at 12pm, saying, your time is over, we did not know, we left there, then was offered 90 miles away, they offered my youngest child a bus pass to get to know. miles away, they offered my youngest child a bus pass to get to knowm that a joke? child a bus pass to get to knowm that ajoke? no child a bus pass to get to knowm that a joke? no cooking facilities, no eating, a kettle and a bed and thatis no eating, a kettle and a bed and that is how they expected a disabled

person and a three—year—old and a one—year old to live. person and a three—year—old and a one-year old to live. your children are now living with your partner's pa rents ? are now living with your partner's parents? yes. are you able to stay with them? my partner's mother is disabled as well, that makes things twice as difficult, getting into the property. i can get in have showers. but that is all that i can do. that is downstairs. what is it like sleeping in your car? havoc, i wake up sleeping in your car? havoc, i wake up in excruciating pain, sometimes you wake up and there are people walking past i am worried about that. sometimes you wake up and you do not know where you are, what day it is, what time it is. you cannot keep doing that. know. i have approached birmingham city council, i have approached private housing associations, no one wants to help at all. what is wrong with a tenant

on housing benefit? this is straightforward prejudice, what we are seeing here is letting agents... they are not assessing him on whether he can afford a property or bea whether he can afford a property or be a good tenant, what they are doing is saying, we're not prepared to let to somebody on benefits. it is prejudice. no other word for it. what you think is going on in their head? i think the facts show that people on benefits are very good tenants, landlords make as much profit from people on benefits as landlords make from people not on benefits, i think what is going on here, we have had shows like benefits straight, benefits britain, some politicians as well have created a misleading impression in society of what it means to receive benefits, and that leads to this approach. do you accept that? not entirely. a bit, then? i access

there are some people out there who are applying blanket objections, blanket discrimination is, against applicants, but there is a difference between i will not even consider you and i have credit reference to you and i don't think you have the income looking at... of course there is a big difference... this is the point, sometimes there isa this is the point, sometimes there is a perception of discrimination when actually what comes through is that landlords have looked at the individual case and thought that they cannot sustainably pay the rent on the property, therefore you will fall into rent arrears and it is my business decision to not rent to you because you cannot sustain it. levels have been frozen since 2011, rents have moved faster than all wages. on average, depending upon where you are in the country, rent levels are ten to 15% of benefit levels, so actually... of course, sure, sure, sure, a tenant would not

say to a potential landlord, my housing benefit is 600 quid, your rent is 800, can i move in, they don't do that. people apply for tenancies and find out they cannot afford the rent. that is the issue. they do not even get that far. they are told, we will not rent to you, regardless of any assessment, not looking at your ability to pay. that should be the only determining factor. stopping people from even getting to stage two, which is being considered to rent a property. what this, what this is doing is, inadvertently, but quite blatantly, prejudice and people who are on dss. why are letting agents doing that?” don't know why they are doing it... i don't know, maybe... have you ever

had a conversation with a landlord about this? most members are aware that you have to look at individual tenants, there has been a great reduction in the number of landlords willing to work in the benefits market, most of those who still work in the market understand legislation and understand what they are supposed to do. how do you look... how do you react to the fact that there are landlords and letting agents engaged in this kind of discrimination? i'm shocked there is any form of discrimination, it is wrong, people should be viewed on their individual merits, on their individual circumstances against individual circumstances against individual property they are trying to access. how do you argue, from shelter, that this is breaking the equality act? if it is true, what will you do about it? the equality act is clear, you cannot have a practice which treats people with

disabilities, women, differently, affects them worse as a group. this is clearly a pot policy in practice which does that. people more likely to be in receipt of housing benefit? city present of people on housing benefits are women, able on disability are three times likely. this gives the ability to challenge it in the courts, we will bring a series of test cases to ask the courts to look at this closely, asking them to look at whether this isjust as asking them to look at whether this is just as rumination, asking them to look at whether this isjust as rumination, notjust in ethical, it is also unlawful. from your experience in this field, on the face of it, would it seem to be unlawful? indirect disability disco nation claim, for example, somebody like stephen's situation but also, other disability claims, and i think what is most shocking about the shelter report is that the answer that was given by landlords as to why they are not looking at dcs ——

dss tenants is because letting agents advise them not to, so letting agents are aiding and inciting dissemination, for which they can be liable. marion says, my children, three of them and i, have been refused a property because i claim housing benefit, it took us six months to find a place to move to after our landlord sold the house we lived in, we were on the verge of being homeless. agents refused to get us on the system, when they knew we we re get us on the system, when they knew we were claiming housing benefit. we moved into a house not fit for a family or anybody to live in, everything is broken and leaking, the garden is unusable, all because we could not find somebody who would access us, we offered to provide references from the previous landlord to show we never mist a payment, we offered to get a guarantor. the moment they know you claim benefit, they stop talking to you. evans says, i rent out my own small property, i took advice from

other friends to avoid renting to people on housing benefits, you end up people on housing benefits, you end up in people on housing benefits, you end upina people on housing benefits, you end up in a legal battle of writing off the debt to experience. stuart on e—mail says, don'tjust the debt to experience. stuart on e—mail says, don't just blame letting agents for not accepting te na nts letting agents for not accepting tenants on housing benefit, insurance companies are disseminating against housing benefit tenants, i have had my buildings insurance increase because i have housed a tenant on benefits. one well—known company has refused to ensure a property because the te na nt to ensure a property because the tenant is on benefits. extraordinary! some mortgage lenders have put in stipulations. what do you say to those landlords doing this? it is wrong, it is unlawful as well as unethical, you should look at everybody on their individual circumstances and consider whether they are suitable for the property. what or advice to stephen, astonishingly, has been sleeping, having to sleep in his car, because

there is no one who will take him. we cannot go on like this, we hope to help stephen in his particular situation, what is so striking about this situation is, really, notjust how widespread it is, there is no one coming forward that is prepared to defend this practice now. ludlow thompson, the worst offenders, in our study, ten out of ten branches said they had a blanket ban on people from housing benefit, they have now written to us saying, you have now written to us saying, you have misunderstood, staff are misinformed, we do not have this policy. i think that the source of optimism here is that when people are not willing to defend a practice like this, it means there is a chance of getting changed. ok, thank you. we will see what happens. thank you. we will see what happens. thank you for coming on the programme. new rules to stop puppies being bred, in cruel conditions,

on puppy farms are being proposed by the government. it means pet shops would no longer be allowed to sell puppies and kittens. if you want one, you'll have to go to a rescue centre or direct to the breeder, where you can see the mother and check the conditions the animals are living in. with us now is actor peter egan, who was one of the speakers at the launch for the lucy's law campain in parliament. he was outside 10 downing street yesterday when the new rules were announced. hejoins us wth his rescue dog pippa. we can also speak to nigel baker from the pet industry federation she is a rescue, pippa, and... she does not seem like a 10—year old. so, are you going to chill out? my wife said that you are insane taking her into the studio. but we wanted... why don't you explained to the audience if this law should come m, the audience if this law should come in, and that is what seems to be happening, the government will consult on it, what difference will

it make? most important difference will be accountability, that means those people who are selling puppies will be accountable for the puppy, for its health. there will not come from the appalling puppy factories we have in wales, southern ireland and eastern europe. thousands upon thousands of dogs that are sold from these... in fact, they have licenses, but those that come from eastern europe are illegal. it will be accountability, the most important thing. it will ban third—party sellers, i understand, so, horizontal, online dealers, pet shots, you were actually have to go to the breeder. all the rescue centre. or irish descent, the puppy will be interacting with mother, basically, where this dog, where

this puppy has been very well bred, will not be separated from its mother, until it is at least three months old, and it will be socialised. a lot of the dogs sold from the back of a van, on the internet, they have not been socialised, they carry diseases, they are very expensive for people who do not know what they are taking on. also it. impulse buying, which is very important. the public must play its part. the with it responsibly. you know what i mean. are you sure she is ten? she might bea are you sure she is ten? she might be a bit younger! how long have you had her? about ten years, so... at least ten, as far as i know. she has a lot of energy. nigel blake is from the pet industry, he represents the

industry. i don't think we know the scope of the problem, in orderto i don't think we know the scope of the problem, in order to find a solution at the moment in time, when i have read the various numbers put out there about the number of animals that need re—homing, there is no data around to say that is a correct number. if you look at the kennel club, 260,000 copies a year, 8.5 million dogs out there, we need about seven to 800,000 copies a year, the question is, where is the extra 450,000 coming from every year? that is an issue, through home breeders or third—party sellers. and therefore, i don't think we know where the issue lies. mainly because bands tend to send things very much underground, very quickly. that is a

fair point, you will have heard it before, bringing prohibition, suddenly, there is a flourishing underground. it has been underground for years, that is the problem, underground, no responsibility, i don't think a bad practice should be followed because of a demand. there isa followed because of a demand. there is a demand, then the public will have two weight, they will have to stop impulse buying, this is based on money. puppies are treated appallingly, just for money. it cannot be treated by the mother.” hunt 10096 cannot be treated by the mother.” hunt 100% agree cannot be treated by the mother.” hunt 10096 agree with you but the issue goes a little deeper. in america, for example, they have banned a lot of the sales from pet shots and i will talk more about that, by what i mean, in a minute, but 30% of puppies are now bought through rescue centres. all that means is the way they are being sold

in an unregulated industry. currently, rescue centres do not have to be regulated or licensed. how do we resolve that one, that would be a good step forward is to make sure that every single rescue ce ntre make sure that every single rescue centre was licensed. and then actually, you will get accountability as the way forward. ban on licensed sellers dealing in dogs and cats less than eight weeks old is coming in, but how many puppies and kittens, how many animals under six months are sold in pet shots these days? the easy way of answering that is to look at the numberof of answering that is to look at the number of licensed out there, and what is meant by a pet shop, we are dealing up until october with an act of 1951, the pet animals act, which issues a pet shop licence, anybody can apply for a pet shop licence, you do not have to be bricks and mortar pet shop to have a licence, this means when you talk about pet

shop selling puppies, actually there are very few puppies sold through traditional bricks and mortar pet shots which are our members, we think there is less than 30 that are doing this, none of them are our members. do you know what the background was? too many dogs that have been abandoned, that is the problem, too little attention given to responsible ownership, and i don't think that arguing against the ending of third—party sales is a good way of dealing with that massive concern in terms of accountability and being a responsible parent to a dog. the public do need to understand what they are doing, when they buy a dog. basically. it should not be imposed, and certainly should not be, sadly, celebrity driven, when someone sees

a little tiny handbag dog, things like that. there is absolutely no argument i can see that supports not having the end of third—party sales, and also, doing away with the appalling, disgusting conditions that puppies are brought up unlicensed, unlicensed puppy farms, puppy unlicensed, unlicensed puppy farms, puppy factories, i visited one in pennsylvania, rescued a couple of dogs, and a german shepherd, who had been breeding for ten years had lost the use of its back legs, absolutely appalling, i have also visited dog meat farms in south korea and the conditions in which the dogs live in dog meat farms in south korea are exactly the conditions that puppies live on puppy farms, puppy factories, in this country. it is absolutely shocking and it must stop. thank you very much, thank you for joining stop. thank you very much, thank you forjoining us, stop. thank you very much, thank you for joining us, thank stop. thank you very much, thank you forjoining us, thank you to pippa. thank you for your company. further north, rain currently moving

m, further north, rain currently moving in, and that is the dividing line, really, to walmart, humid conditions in the south—east, much fresher, towards the north and the west. —— towards the north and the west. —— to warmer, tumour conditions. oranges turning to yellows. about 18 to 21 celsius, down towards the south—east, temperatures just like yesterday getting up to 26, 20 seven celsius, humid feel. dividing line,

that weather front moving south and east, warm and new midnight in the south—east, fresher, cooler conditions further north and west. as we go through thursday, sunny spells, showers, scotland and northern ireland, temperatures only 16 celsius. dumbing down a little in the south—east, 23 degrees, holding onto walls before getting colder by friday. -- coming down a little. -- holding onto warmth. this is bbc news. these are the top stories developing at 11: two of president trump's former aides are convicted of criminal offences in separate legal cases — but the president denies any corruption in his 2016 election campaign. this is a witchhunt and it's a

disgrace. this has nothing to do with what they started out, looking for russians involved in our campaign, there were none. at a campaign rally in west virgina last night support for the president was undimmed, despite his lawyer telling a court he paid hush money to a porn star at the direction of mr trump in order to influence the election. banks are warned that it's "not fair" to automatically blame customers for falling victim to scams. facebook and twitter say they've taken down accounts containing misinformation campaigns originating from iran and russia.