which is what it is at the 12.5%, which is what it is at the moment but in april it goes back up to 20%. also the living wage comes in in april, which goes up, national insurance contributions are going up, and the business rate... we were paying a third, which is very kind, and next year they are giving us a 50% discount, which means it's going up. 50 50% discount, which means it's going 5096 discount, which means it's going up. so all of those things are cominu up. so all of those things are coming right _ up. so all of those things are coming right at _ up. so all of those things are coming right at the _ up. so all of those things are coming right at the start - up. so all of those things are coming right at the start of l up. so all of those things are - coming right at the start of april. it is incredible. and with gas and electricity prices going up. the company i was with went bust and they put me onto another one, and my gas price hasn't doubled but gone up by about a0%. it is gas price hasn't doubled but gone up by about 4096-— by about 4096. it is a tough time. i don't blame _ by about 4096. it is a tough time. i don't blame you — by about 4096. it is a tough time. i don't blame you if— by about 4096. it is a tough time. i don't blame you if you _ by about 4096. it is a tough time. i don't blame you if you decide - by about 4096. it is a tough time. i don't blame you if you decide to i don't blame you if you decide to stay at home longer even when the leg is fully recovered. i stay at home longer even when the leg is fully recovered.— leg is fully recovered. i haven't been there _ leg is fully recovered. i haven't been there actually! _ leg is fully recovered. i haven't been there actually! the - leg is fully recovered. i haven'tl been there actually! the owner leg is fully recovered. i haven't i been there actually! the owner of the quicksilver _ been there actually! the owner of the quicksilver mail— been there actually! the owner of the quicksilver mail pub - been there actually! the owner of the quicksilver mail pub in - been there actually! the owner of| the quicksilver mail pub in yeovil,

thanks for talking to us. get well soon. let's return to brussels, that protest is alive and kicking. there has been some trouble and there has been some quite strong reaction from the police with tear gas and with the police with tear gas and with the firing of bob that all police the. it is worth remembering brussels there are sections of brussels there are sections of brussels that have public buildings, european buildings and this looks like downtown brussels. there it is again, people putting up flares of their own and we have had tear gas fired. still a particularly sized

demonstration. there have been a lot of angry demonstrations in belgium over previous months about lockdown, about the restrictions, about the frustrations people feel over covid. frustration is shared in lots of countries as well. but as you can see, there is a heavy police presence in downtown brussels at the moment. people are trying to come as far as they can, continue to carry out their activities. police officers have used water cannon as well as tear gas. they did it after a group attacked them with rocks and pieces of pavement. they broke up paving slabs and were trying to throw them at the offices. the entrance to the foreign defence ministry was smashed. people have been slowly pushing back the protesters. it has been violent in parts. it's not clear if any arrests

have been made. a much larger crowd marched peacefully through the crowds calling for an end to covid restrictions. nick beake, is the and he said it was an attempt to throw rocks and bits of pavement at the police and to breach one of the eu buildings in brussels that the police were acting against. we will keep an eye on that protest and hopefully it will stay calm from now on. new zealand's prime minister has cancelled her own wedding after placing the country on the highest level of covid—i9 restrictions. nine cases of the omicron variant have been detected, and under new restrictions, gatherings will be limited to 100 fully vaccinated people. too small, apparently for her wedding. my wedding will not be going ahead, but ijustjoin many other new zealanders who have had an experience like that as a result of the pandemic and to anyone who's caught up in that scenario.

i'm so sorry, but you are, we are all so resilient, and i know we understand that we're doing this for one another, and i know that will help us continue on. apologies if any of the signs that were visible on those live pictures from brussels caused any offence. i understand we may have inadvertently showed a couple of signs. it is one of the risks of going to live pictures and when it was spotted, we pulled away from it on the first occasion. apologies if some of you so anything offensive, that was not our intention. now it's time for a look at the weather with ben rich. hello there. you can see the extent of the cloud, some of the sunshine was across eastern scotland and there were a few breaks across south—west england. most places will be cloudy.

if the sky is clear for any length of time that could allow temperatures to drop low enough for a touch of frost and they could be fog patches are ran by morning as well. also there will be outbreaks of rain pushing on across the north—west of scotland. this band of rain will sink a little further southwards during the day, very weak affair and for most of us it is a driver cloudy day. as parts of sunshine north wales, the midlands and some parts of northern ireland and some parts of northern ireland and south—east scotland. temperatures between five and 9 degrees and feeling chilly when you stick with the cloud all day long. on tuesday, mostly driver cloudy day. rain in the north on wednesday, milder by this stage. hundreds of thousands of people in the uk are still living in tower blocks wrapped in dangerous, flammable materials, and many face eye watering bills to make their properties safe. earlier this month, the housing secretary, michael gove, announced new measures in an attempt to tackle the crisis.

in an updated documentary, the bbc�*s sarah corker investigates the severe financial and mental health impact on those trapped in dangerous homes. who should pay to fix britain's dangerous buildings? it's four and a half years since the grenfell tragedy. yet more than half a million people are still living in flats wrapped in flammable materials. from london to leeds, manchester to merseyside. many homes are unsafe and unsellable. what work needs doing on the building, what needs to be replaced? so if you look at all the timber cladding that you see, that all has to come down. those who can least afford it are facing life changing bills. i'm on universal credit. every penny literally counts. we're still facing high, huge, out of this universe type of bills. there are warnings this is becoming a mental health crisis, too. it's a financial strain that has kind of forced me to take medication for my mental health just to keep afloat. safety checks have exposed the failure of building

regulations over decades. we were having meetings with government in 2009, 2010 with our concerns about the quality issues on on building sites. pressure is now mounting from the conservative backbenches. if we don't want another grenfell, if we want buildings to be safe, leaseholders cannot be forced to pay. this is britain's building safety crisis. but who is to blame? so this is the children's bedroom. they share a room. as you can see, it's quite cramped. a lot of stuff is in here. in south london, single mum emma has outgrown her one bed flat. this is the living room and this doubles as your bedroom and the sofa in the evening. it's like changing rooms and in here is my bed.

it was 12 months ago when we first met. back then, emma had just been told her block was so unsafe it needed round the clock fire wardens. i'm angry. i'm actually furious at it. this is ruining people's lives. it's not our fault. we didn't buy these properties thinking that there was something wrong with them. a year on and they have had a fire alarm installed, but it's still unclear what financial help leaseholders will get to remove the cladding or fix the other fire safety faults. when you moved in, this was all brand new, wasn't it? brand spanking new. i'm assuming it passed all the surveys that were done. i was walking into a perfectly brand new home. emma is out of work and on universal credit. she bought using an affordable

housing scheme ten years ago. yet her share of the bill to fix the building could be up to £30,000. how has the way you feel about your home changed through all of this? my mum died when i was 19, so the deposit for my flat essentially was inheritance. i'm only here because i lost my mum. i've made good use of that inheritance, especially at a young age. i think everyone was quite shocked that i actually was quite sensible and thought i'm actually going to invest it and do something for my life and for my future. fast forward to now. ifeel like it's probably been the worst thing that i've ever done is sign on the dotted line. iam i am stuck with something that potentially could ruin me. it's hard to even think about it all because it's just too much, too heartbreaking. concerns over building safety were triggered by the grenfell tower fire in 2017.

72 people died. an inquiry found the type of cladding used, known as acm, was the primary cause of the fire's rapid spread. something wasn't right and i think you knew too. since then, the cladding crisis has only escalated. there have been a wave of demonstrations. this is a scandal that has been 30 years in the making. safety checks on other tower blocks after the grenfell tower fire found notjust problems with cladding, but many other fire safety defects too. so, flammable balconies, missing fire breaks, defective insulation, and the question at the heart of this issue is who's to blame for those failures? who should pay to fix them? flat owners have come from across the uk to protest in westminster? who has the money? nobody, nobody. i know of one guy, certainly who will be going bankrupt. i've lost £75,000

of my money, really. if we're looking at 30 to £40,000 from remediation, that's half the value of my apartment. how is it impacting on kind of your health and your wellbeing? and how you feel every day? most mornings i get up and i'm sick. i don't eat. i don't sleep. i've advised my son, don't bother buying. he's saving up to get a mortgage. and i told him, don't bother, it's not worth it. more conservative mps are openly criticising their own government. you're going to get a resolution to this one way or the other. thank you. the mp for stevenage has been a thorn in the side of his own party. if we don't want another grenfell, if we want buildings to be safe, leaseholders cannot be forced to pay.

i'm standing up for not only the leaseholders in my constituency, but the leaseholders up and down the country, the millions of people who are trapped. and i don't want to live in a society where we write off millions of people. the government has announced a £5 billion fund to remove dangerous cladding on the highest risk blocks. that's above 18 metres. a 4% cladding tax on developers with profits higher than £25 million will help to pay for it, and the housing select committee estimates this is at least a £15 billion problem, and that's just to remove cladding. living with all of this has been described as an ongoing trauma. ijust, you know, work so hard, constantly working to provide food for my child, working to provide a roof for my child. and i thought that that could just go away in an instant because i'd already seen people become bankrupt because of the situation. sophie bought this two bed flat

in chelmsford just weeks before her son, reuben was born, but their world came crashing down. which part of the building is the problem? behind you, you can see the acm panels. this stuff here, that's the same type of cladding as grenfell. sophie's left to find out how much it may cost to remove, and that's taking its toll on her mental health. a crippling depression where you can't get up. i just couldn't see the point in anything — had a really bleak outlook on life. i've been able to pick myself up from the worst of it, but since then i've had such bad issues of my anxiety. some days i feel like i can't leave the house, and i have like physical problems leaving the house because i feel so sick. sophie is not alone in her struggles. i've come to sheffield to find out more about how housing

and health are interlinked. new research carried out by academics here and shared exclusively with the bbc found that the building safety crisis is having a severe impact on the mental health of some leaseholders. it was a kind of really catastrophic sort of experience for some people, and that's notjust something that exists today, but it's something that kind of goes on in the future as well. and in the worst case scenarios? several people spoke about points of crisis that they had come to through their experience of building safety problems, and this resulted in them needing to get immediate help from a gp. so things like just feeling that they couldn't go on, that they were trapped and that they couldn't see a way out of this crisis was leading to feelings of suicide and self—harm. if we don't see a change in policy,

if we don't see government action, actually where is this going to end? psychologists have echoed those concerns. professor cary cooper is a leading stress expert. uncertainty and lack of control are the two leading causes of stress, and these people have it in tonnes. living in conditions like that for long periods of time, what impact does that have on mental health? number one, you know that you're going to have to cough up some money. number two, you don't know how much. and it could be quite substantial, so the worries about that on top of all the other worries, i think, is going to be quite a significant issue. these people really do need support. they probably will need counseling support. so your whole life is on hold until this can be sorted out. how long do you think it could be until you can move on from this property? i think i'm being optimistic by thinking i'll be able to move in ten years. back in chelmsford, sophie went to her gp for help and has been prescribed anti—anxiety medication.

the doctor was so shocked by her situation, he wrote to her local mp, asking her to raise the issues in parliament. sophie's focus is now on her son, who was recently diagnosed with autism. the family is desperate to move somewhere bigger that meets his needs. because of his needs, he has sensory issues, it would be such a big help for him to have a sensory room. it'd be such a big help for his mental wellbeing, to have a garden, because that's not something we can provide him with here. he needs somewhere different to go. he needs an outlet. i'm the very tip of the iceberg in the sense that i think i'm one of the lucky ones and i'm one of the lucky ones that has support around me. my love for my son has enabled me to drag myself up from the depths of despair, to go reach out, to get

help, to keep myself in check. this ongoing crisis is now starting to paralyze entire sections of the property market, and i'm on my way to hampshire to meet one woman who believes her block didn't meet regulations at the time it was built. we moved in about seven years ago. your retirement? that's right, yeah. and hasn't been plain sailing. what's the problem? the problem is all of the cladding here, the gray cladding. this is crown heights in basingstoke, built in 2003, marketed as modern city living outside of the capital. jean planned a happy retirement here. so this move was to make your life easier as you got older. what has the reality been? unfortunately, financially and mentally, it's ruining us.

a cladding inspection last year revealed safety failures within the walls of this 14 storey block, including combustible material and missing fire barriers. jean and husband terry are living with the consequences of those issues. service charges and insurance costs are soaring. i spend my lifejogging along behind you, don't i, my darling? i had to leave myjob to care for my husband, and therefore we're surviving on benefits. we are flat broke. you know, we can't afford this. and therefore the final years of his life are lived on benefits, surviving rather than being able to live as we would have hoped. when the cladding system was installed here, it should have included fire barriers in the walls on every floor above two storeys. tests by surveyors at at least three

locations found none. typically, flat should have barriers inside the spaces between cladding and the outside walls and between each floor, as well as fire stops in the internal walls. these protections help to reduce the spread of smoke and flames in the event of a fire. developers usually argue that builders were compliant at the time, and they shouldn't have to pay for work done because rules have been tightened since grenfell. but the bbc has seen a report by surveyors which concluded that some elements of construction did not appear to have complied with building regulations at the time. how did you feel when you first read that report? i was just so shocked. i definitely feel let down by a whole raft of professionals, we rely on them. and i'm not an expert on building. that's why we have a building control inspector. the developer told us that

crown heights was signed off by an approved inspector as meeting the requirements of building regulations at the time of construction. contractors involved said the development was built in line with regulations, and the national house building council, in charge of building control at crown heights, told us the primary responsibility for achieving compliance with building regulations rests with the builder. graham has worked in the construction sector for four decades. he says building regulations have shrunk from 300 pages to 24 pages over the years and can be ambiguous. i think anybody living in a building in which there is not enough restriction for fire spread is living in a building that doesn't comply with building regulations. and in my view, there's no way that the leaseholders or the residents should be responsible for paying for that remediation. to what extent has this crisis been

20, 30 years in the making? i think it goes back into the �*705 and the �*80s, actually in terms of the whole deregulation bandwagon. we were having meetings with government in 2009, 2010 with our concerns about the quality issues on on building sites. so it's been there for a very long time. rewind to 1984. tower blocks hundreds of feet high are being _ tower blocks hundreds of feet high are being recovered in new materials. this is a bbc documentary called the great british housing disaster. structural engineers warned of the possible fire risk from cladding even back then. i think it's absolutely essential that anything that is being placed on or around existing blocks should be considered very carefully in relation to a serious fire. do you think that there are now systems being used which represent a fire risk? frankly, yes. would you be prepared to name them? no. and warnings from housing managers

about poor standards and who should pay to fix the faults echo those from today's crisis. those experts built these buildings that have now been shown to warrant £33 million worth of repairs. that's £33 million worth of a professional mistake, and the cost of that has to be met because the builder went bankrupt and the professionals responsible can't be nailed for it. the cost of that has to be found by ratepayers and rent payers. industry experts have warned that the construction workforce has become used to marking its own homework. we've lost the independent quality checks on construction sites that were always part and parcel of the process. so, for example, architects and engineers who used to go on site regularly to supervise the work, they rarely go on site now. so do you think the system is broken then? i think the system was broken in 2017. i think we're gradually fixing it up now. it's a massive job, but what i do

feel is that we've gone overboard and some buildings are being claimed to be unsafe, where actually the risk is very, very low and is an acceptable level of risk. in the autumn, michael gove replaced robertjenrick as housing secretary and there was a change of tone from government. in his first appearance before the housing committee in november. mr gove questioned why leaseholders should have to pay at all. we also have a responsibility to relieve some of the obligations that are being faced by leaseholders at the moment, who are innocent parties in this and who are being in many circumstances, asked to pay disproportionate sums. and when asked who was responsible for the problems in the first place, mr gove said while local and central government had a role, he also hit out at developers. ok, the sheriff. or sheriffs might not have been on the ball, but the cowboys

were behaving like cowboys in an unregulated way. tough words but the campaigners want that backed up with action. the protests have continued, the political pressure for a solution increasing, and the financial situation for many is already critical. fast forward to january 2022 and a significant shift in policy. i know called the secretary of state for levelling up housing new communities. a £4 billion scheme will soon help those living in buildings between 11 and 18 metres. they've previously missed out on grants, and michael gove warned developers would have to pick up the bill. to those who mis—sold dangerous products like cladding or insulation, to those who cut corners to save cash as they developed or refurbished people's homes, and to those who sought to profiteer from the consequences of the grenfell tragedy,

we are coming for you. but labour said the funding covered cladding only and ignored the wider safety problems found on thousands of buildings. he'll also know that there's a gaping hole in what he's proposed. a significant number of buildings have both cladding and non cladding defects, and leaseholders in them face ruinous costs to fix things like missing fire breaks and defective compartmentalization. mr speaker, you cannot make a building half safe. the government says it expects developers and builders to pay for cladding costs, and if they refuse, well, they face the threat of tax rises. new laws or being barred from government schemes like help to buy. so the warning from ministers is cough up, do the right thing or there will be commercial consequences. but developers often argue they met building regulations at the time and so shouldn't have to cover these costs. and the largest home builders say they've already allocated money to fix issues on some high rise blocks.

whatever proposals come forward have to be proportionate, and that means looking notjust at the home builders, but beyond the home builders at other parties who've been involved in the process, in particular the suppliers of the materials, which turned out not to be fit for purpose as far as we can understand. back in london, emma fears she may still face unaffordable costs. she bought this flat through an affordable housing scheme. she only owns a 50% share, but terms of the lease means she's liable for 100% of the work that isn't covered by the government's new scheme. what has the reality of shared ownership being for you? i don't think shared ownership is fit for purpose. it's to help people like me who couldn't afford to get a full mortgage on a property. so i was able to own half of it and pay rent on the other. it's really done me a disservice.

i wouldn't recommend anybody to go into shared ownership. housing experts say the cladding crisis has exposed the flaws in the shared ownership model and want it reformed. i think the scheme does have a sort of fundamental unfairness. there are potential liabilities which are so great that people are potentially going to go bankrupt or lose their homes. any scheme which purports to be an affordable housing and which can leave people in that situation is not doing itsjob. emma's housing association told us: in essex, there's better news. the developer of sophie's block has agreed to cover the cost of removing and replacing the dangerous cladding. a huge relief for those living here. in hampshire, jean says they've

been told crown heights is eligible for government funding to pay for the work needed, but there have been some delays in the money being released and they don't know if it'll cover everything. it's on my mind a lot. i find it difficult to sleep, i'm taking medication for stress. it is very difficult. money isn't the same as life, i'm much more worried about the fire safety than i am about the money. a generation of homeowners face financial ruin through no fault of their own. ordinary people have been forced to become protesters, determined to ramp up the pressure on government, developers and building owners to take greater responsibility for their part in this crisis.

hello. a few of us got to see a bit of brightness today but for many more its day predominately cloudy. it has been a great weekend. you can see the extent of the cloud, some of the best of the sunshine was found across eastern scotland, there were across eastern scotland, there were a few breaks across south west england. but one or two places will remain cloudy. if the sky is clear for a length of time temperatures could drop low enough for a touch of frost on the could be fog patches around by morning as well. also by the morning we could see outbreaks of rain pushing on across the north—west of scotland. this band of rain will sink a little bit of a southwards during the day. for most of us it is a largely driver cloudy day. best of the sunshine to north wales, midlands and northern england, some parts of northern ireland and south—east scotland and

temperatures between five and 9 degrees and feeling chilly where you stick with the cloud all day long. tuesday, another cloudy day, rain in the north on wednesday, milder by this stage. this is bbc news with the latest headlines... the former conservative minister nusrat ghani says she was sacked from herjob because of her muslim faith. the government chief whip says that's false. the justice secretary says a formal complaint is needed to trigger an inquiry. it can only happen if the person making the complaint makes it formally — that's when the procedures kick in. and just to be clear about this, that advice was given to nus back in 2020. since then, nusrat ghani has said she asked the prime minister in 2020 to launch a government inquiry, but he told her to use the internal conservative party complaint process, which which she thought was not appropriate. the government says russia will face severe economic sanctions if it

installs a puppet regime in ukraine.