good afternoon from westminster. this is bbc news with me, ben brown. the headlines at tpm. inflation in the uk has returned to the a0 year high it hit earlier this summer. the rate as measured by the consumer prices index is at 10.i%, driven mostly by rising food prices. liz truss has told the commons she is committed to maintaining the triple lock on pensions, but has refused to say if benefits would rise in line with inflation.— say if benefits would rise in line with inflation. sometimes i have been left with _ with inflation. sometimes i have been left with £30 _ with inflation. sometimes i have been left with £30 in _ with inflation. sometimes i have been left with £30 in the - with inflation. sometimes i have| been left with £30 in the account for a week to pay everything. ijust don't have it.

for a week to pay everything. i 'ust don-t have mi don't have it. and nyambe lewis vau:han don't have it. and nyambe lewis vaughanjones— don't have it. and nyambe lewis vaughan jones in _ don't have it. and nyambe lewis vaughan jones in the _ don't have it. and nyambe lewis vaughan jones in the studio - don't have it. and nyambe lewis vaughan jones in the studio in i vaughanjones in the studio in london, also in the news this hour... harrowing and callous, a damning report is published into maternity care at east kent hospital trust. the chief investigator says women were not listened to. 202 families that came forward. in 97, deaths, injuries or other harm could have been different if care had been given to the standards accepted nationally. russian president vladimir putin declares martial law in the four regions of ukraine which were annexed last month. they will be expected to work with russia to boost their war effort.

good afternoon. figures show that cost of living is rising at the fastest rate for a0 years. inflation rose above 10% for the 12 months to september with most of that increase due to higherfood prices. the chancellor, jeremy hunt, has acknowledged families are struggling with rising prices and said the government would prioritise help for the most vulnerable and earlier the prime minister confirmed that pensions will rise with inflation. let's remind ourselves of those inflation figures — and the rising cost of living. the rate of inflation rose again in september. inflation now stands at 10.1% — that's a measure of average prices between september 2021 and september 2022. in other words — if you paid £100 for a variety of products in september last year, you're now paying on average £110.10 for the same products this year. some prices went up more than others.

food and nonalcoholic products rose by 1a.6% even though petrol and air fares went down. 0ur economics correspondent andy verity explains what's driven today's rise in inflation. pension, £1a0 a week. how do you live on that? in sunderland, just like every other town in the country, pensioners are increasingly struggling to get by on state pensions, whichjust like benefits for people of working age, last went up byjust 3.1%. prices are now rising more than three times as fast. pensioners have been demanding a bigger rise. i think it's about time something was done about pensions. they missed the triple lock last year and it should be on this year. i'm a pensioner as well. the cost of living is going up all the time. the rich are getting richer- and the poor are getting poorer. i've never known it in my lifetime. children not being able to eat. we are all getting used now to price shocks like bread

and cereals up 1a.5%, meat up 1515.3% and milk, cheese and eggs up 2a%. that hits hardest for the poorest families who spend a larger chunk of their incomes on food. in this cost of living crisis, those poor enough to collect universal credit have seen their incomes drop in real terms below pre—pandemic levels. food prices are surging, partly because supplies couldn't meet demand as the global economy recovered from the pandemic, especially after the war in ukraine disrupted the global supply of wheat and sunflower oil. and now, because devaluation means you now need more pounds to buy imported food, priced in dollars or euros. the uk now has worse inflation figures than any of the top seven advanced economies. most economists think inflation, the rise in the cost of living, hasn't yet hit its peak and that it will accelerate to around 11% in the coming months. but they are also forecasting that after that, it should drop back,

so the cost of living will still be much higher but it won't be rising quite as fast. but if the government doesn't keep subsidising energy bills beyond the next six months, that may not happen. while we had thought it would then start to come down maybe in the middle of next year, now that we don't. .. now that energy prices might go back up again in april, it's possible you get another spike in inflation stays higherfor longer. putin is now losing ground on another front of his war, his attempt to weaponise gas prices. they have now fallen by a third since their peak. commodity traders now think there is an oversupply which could bring wholesale energy prices down further. a dim light of hope perhaps, visible at the end of a long, dark inflationary tunnel. andy verity, bbc news. well, amid the economic chaos of recent weeks, in the last hour, liz truss has taken part in her first prime minister's questions since sacking her original chancellor and replacing him

withjeremy hunt — who drove a coach and horses through her economic plan. liz truss told mps that she and the chancellor remain "completely committed" to the triple lock on pensions — which sees them rise in line with inflation — despite downing street refusing to commit to it earlier in the week. the labour leader sir keir starmer asked, "what's the point of a prime minister whose promises don't last a week?" from westminster, damian grammaticas reports. is this your last prime minister's questions? a little over a month into her premiership, she is a prime minister shorn of her authority. the programme liz truss promised has been stripped almost bare, so every appearance now is a test for her. a book is being written about the prime minister's time in office. apparently it's going to be out by christmas. is that the release date or the title? laughter. i have been in office

forjust under two months and i have delivered the energy price guarantee, making sure that people aren't paying £6,000 bills this winter. i have reversed the national insurance increase and i've also taken steps and we will be taking steps to crack down on the militant unions. being the butt of opposition jokes can be toxic for a prime minister, so liz truss tried to turn the tables and asked the labour leader about strikes on the railways. mr speaker, she's asking me questions because we are a government in waiting and they are an opposition in waiting. he attacked the government for having crashed the economy and now planning spending cuts. why on earth would anyone trust the tories with the economy ever again? i notice, mr speaker, he is not actually objecting to a single economic policy that the chancellor announced on monday.

he's refusing to condemn the strikers. we're on the side of working people, we are going to legislate to legislate to make sure we keep our railways open. the honourable gentleman refuses to do anything. sir keir starmer then listed all the policies liz truss has been forced to junk. a5p tax cut, gone. his own benches enjoyed that. two year energy freeze, gone. tax—free shopping, gone. economic credibility, gone. and her supposed best friend, the former chancellor, he's gone as well. they are all gone, so why is she still here? cheers mr speaker... jeers mr speaker, i am a fighter and not a quitter.

i have acted in the national interest to make sure that we have economic stability. prime minister. order. the speaker had to quieten a noisy chamber but the stability of pensions worries many. just yesterday, the prime minister's spokesperson couldn't say if they would keep it in line with inflation. the latest broken promise has put pensioners in the front line of tory cuts, so can the prime minister perhaps turn to her chancellor right now, get permission to make another u—turn and commit to raising the state pension at the rate of inflation? prime minister. i honestly don't know what the honourable gentleman is talking about because... we have been clear in our manifesto that we will maintain the triple lock and i am completely committed to it, so is the chancellor.

but liz truss would not give the same assurance that benefits will also go up in line with inflation. and with doubts about her swirling there are many in the opposition and her own party looking to capitalise on her weakness. damian grammaticas, bbc news. let's talk to iain watson now. the prime minister said she is a fighter and not a quitter but what did you make of her performance at prime minister's questions and i suppose more importantly, what did conservative mps make of her performance?— conservative mps make of her performance? their views on her performance were divided, - performance? their views on her performance were divided, as . performance? their views on her| performance were divided, as you performance? their views on her - performance were divided, as you can imagine, the party is divided over whether or how long she should remain in number10. whether or how long she should remain in number 10. someone who supported her, whojust last week put his hands over his eyes during her press conference, when she was announcing a further u—turn on corporation tax, he said she has

done so much better this week, we think we can get her through to october the 31st, that is when the chancellor makes his statement on those spending cuts that will be outlined at that stage and then he said the challenge will be getting her to christmas. "if we can get her to christmas, she will be safe," thatis to christmas, she will be safe," that is easy but i also spoke to people who are as you can imagine far more critical of liz truss. some of them felt she had done quite well in the chamber today and that the benches behind her had united because of the onslaught from labour and particularly they said from the snp. they did not feel that the underlying situation was any different, they said her position was still, in the words of one of them, "volatile". i don't think it has shifted the dial, this performance. keir starmer enjoyed himself, of course, pointing out the policy that had gone, wondering why liz truss herself had not gone. but those expecting a kind of meltdown and the kind of disaster that some people thought the press conference

was last week, that didn't quite come to pass either. that nothing of significance of course that she announced, and i suppose takes some of the attention away from her performance was that commitment to the pensions triple lock. haw performance was that commitment to the pensions triple lock.— the pensions triple lock. how much of a surprise _ the pensions triple lock. how much of a surprise was _ the pensions triple lock. how much of a surprise was that _ the pensions triple lock. how much of a surprise was that when - the pensions triple lock. how much of a surprise was that when she - of a surprise was that when she announced that and confirms the triple lock? i announced that and confirms the triple lock?— triple lock? i think it was a surprise — triple lock? i think it was a surprise for _ triple lock? i think it was a surprise for quite - triple lock? i think it was a surprise for quite a - triple lock? i think it was a surprise for quite a few - triple lock? i think it was a - surprise for quite a few people but not for everyone because i have been told that liz truss had discussions with those mps who were expressing concerns about the pensions triple lock being ditched, in other words, that there would be a below inflation increase in pensions from next spring. she had actively been discussing this and as i understand it, from one of those involved in the discussions, she was suggesting there was something of a communications problem. in other words, what effectively downing street was saying, especiallyjeremy hunt when he took over as chancellor, was that nothing was off the table when it came to spending cuts, and it is now perhaps a regret that they should have taken some

things of the table after all, for example, last night, liz truss confirmed to a group of mps behind closed doors that she was still committed to raising defence expenditure as a share of national income by 2030. if she hadn't done that, she risked losing her defence secretary. she then listened to representations from backbenchers on the pensions triple lock yesterday and lo and behold, today she is committing to going ahead with the triple lock. downing street say this was all agreed with the chancellor this morning. there might bejust a sense that afterjeremy hunt coming in and ripping up large parts of her campaign strategy as well as a mini budget, she mightjust be edging back, taking back a little bit of control. �* , ., ~ back, taking back a little bit of control. �* , ., ,, , ., control. and 'ust talk us through what will be — control. and just talk us through what will be happening - control. and just talk us through what will be happening later- control. and just talk us through what will be happening later in l control. and just talk us through l what will be happening later in the comments because we are hearing the government has made a vote relating to fracking this evening a confidence vote.- to fracking this evening a confidence vote. . , , ., confidence vote. that is right so technically _ confidence vote. that is right so technically speaking, _ confidence vote. that is right so technically speaking, despite i confidence vote. that is right so | technically speaking, despite her performance at pmqs, and a lot of

people saying behind the scenes, you can see the end of the prime minister where she to lose that vote but i think there reason they have upped the ante on this is quite straightforward. although the vote is about fracking, lots of concerns of mps about fracking, and their constituents certainly do, labour have chosen that issue well by putting it on the agenda, but nonetheless, the method for preventing fracking would be to allow the opposition parties to take control of house of commons business and the government whips are saying that would be totally unacceptable and would set a precedent and all sorts of havoc for liz truss' premiership, however long it lasts, could ensue. that is why they have said it is a vote of confidence come in other words, mps are required to be here to vote and they could lose the government whip if they don't back the government. my sense from the last couple of hours is that the government will indeed win the vote. however, the business secretary jacob rees—mogg is going to have to make some at least verbal concessions, he is going to have to

set out that the government is committed to having proper local content where fracking takes place. —— local consent. the issue was raised at pmqs by an mp who is worried about fracking in his lancashire constituency, and the guarantee they want to hear from jacob rees—mogg is that the fracking companies themselves will not be involved in the process of finding out whether there is local consent or not, it has to be an independent process. if they get those kind of guarantees, that might be enough to stop a rebellion. irate guarantees, that might be enough to stop a rebellion.— stop a rebellion. we are 'ust heafina stop a rebellion. we are 'ust hearing that i stop a rebellion. we are 'ust hearing that the i stop a rebellion. we are 'ust hearing that the prime h stop a rebellion. we are just i hearing that the prime minister stop a rebellion. we are just - hearing that the prime minister has cancelled a planned visit to a british owned electronics manufacturer this afternoon. the visit was included in the government business for the day. downing street now says the prime minister is not going with no reason given for the cancellation of that visit. but i suppose itjust underlines, and it may be related to the vote you are talking about but itjust underlines how the braille the atmosphere is in westminster and in downing street at the moment. —— have afebrile the atmosphere is. it

the moment. -- have afebrile the atmosphere is.— atmosphere is. it certainly is, i have to say- — atmosphere is. it certainly is, i have to say. it _ atmosphere is. it certainly is, i have to say. it is _ atmosphere is. it certainly is, i| have to say. it is unprecedented because we had —— not exactly a resonator because we have had a febrile under sledger and brexit and borisjohnson�*s last febrile under sledger and brexit and boris johnson's last asbut considering the prime minster has not been in the job for very long, and because of that, all kinds of reassurances had been made, ifound out only today she was ensuring the pensions triple lock since yesterday, for example, and i think if she can seat on defence spending, if she can seat on defence spending, if you like, on defence spending and the triple lock, which is possibly not the right word because she never said she was against the triple lock, you can see pressure being applied and she has to reassure people because she knows she is vulnerable so it is not impossible she will have to reassure them over the fracking consultation as well to make sure she does not have, well, not necessarily defeat in the vote but potentially a sizeable and embarrassing rebellion. thank you for “oininr embarrassing rebellion. thank you forjoining us- _ embarrassing rebellion. thank you forjoining us. iain _ embarrassing rebellion. thank you forjoining us. iain watson - embarrassing rebellion. thank you forjoining us. iain watson at - forjoining us. iain watson at westminster, there. just to say... for more on how to navigate the rise in living costs join us today at 1a:30 for a special edition of your questions answered

from sunderland. we'll be exploring many of the issues around the cost of living crisis and what support is out there — with a range of experts that will answer the questions you want answered. email us at yourquestions@bbc.co.uk or tweet using the hashtag bbcyourquestions. as part of our ongoing coverage on the cost of living, bbc news is asking people from towns and cities around the uk how they are coping — and providing support and advice from our experts. today we are in sunderland, one of 12 different locations that we will be visiting to speak to households, businesses and families to find out how the rise in living costs is affecting you. despite difficult financial times, sunderland has become home to lots of new businesses in the last few years and has benefited from investment in the city centre and enclosed a redevelopment. analysis from companies house and 0ns data

found that 1587 new companies were formed in sunderland last year. andy watson has been to meet some of the city's entrepreneurs. for many people, sunderland is an attractive place to live. and importantly, for the local economy, somewhere to start a business. circa 1 million through the door in the 12 month period is pretty special. the stack at seaburn opened in 2020. it's become a hub for local businesses along the coast, despite difficult financial times. all costs have gone up, so utilities, packaging, food, labour. for many people, sunderland is an attractive place to live. so it is a concern. however, we're not seeing any drop—off in sales. ijust came up with the idea of the self—service baths. walk in service, you don't need an appointment, where owners can come off the beach and bath and dry their dog. it's really busy. seven days a week, it's available, throughout the year.

this year we have seen a struggle but we'll come through it. people mostly come here for a bite to eat and a couple of drinks. butjust around the corner, a young entrepreneur has found her niche. yeah, it's brilliant... started out young when i was 19. yeah, over the moon that i came into the industry so young, because i feel having the client base that i have now, watching it grow over the last year and a half, it's something i'm really proud of. as someone who's been born and raised in sunderland, i'd heard that mackie's corner was the posh end of the town, but in recent years, it's been forgotten about and neglected. but now, it's back. an upmarket gentlemen�*s outfitters opened just last year. nice to meet you. hang your coat up there. oh, thank you, cheers. no bother at all. how's things? very good. opportunity to get involved with the redevelopment of the city. i've got it in another colour as well? well, i'm 62 and this is the highest level of investment i've seen probably since the late 1960s

and it's long overdue. so i think better times ahead. the city is also focusing on investing in the growth of the tech sector. at sunderland software city, they've helped launch more than 100 new businesses since 2020. i'm currently looking at a photo frame and butterflies are flying out of the frame... augmented and virtual reality tech has been adapted by start—ups here. it's like a rainbow here! i was reaching out for things that were not really there. we actually have a lot of young people come through our immersive lab that we have and part of this kit that you're wearing is used by young people to excite them, inspire them about careers and pathways into stem and to kind of show them the possibilities of tech and stem jobs. so although experts predict an uncertain future, the view from the businesses we visited is that bright times are ahead. andy watson, bbc news, sunderland.

much more from sunderland throughout the day and you can find lots more information, support and advice about the rising cost in living and lots more on today's other big stories including the latest political develop and sad westminster, where i am —— developments at westminster. that is it from westminster, back to the studio. up to a5 babies might have survived, had they received better care at east kent nhs hospitals trust — that's one of the findings of a damning independent review. a panel looked at more than 200 cases at the trust between 2009 and 2020, and found that the outcome could have been different in nearly half. it said the hospitals often provided care that was "suboptimal" and led to significant harm. dr bill kirkup, who led the inquiry, said staff had failed to take notice of women when they raised concerns.

0ur correspondent dan johnson has this report. i think they were negligent. we got to the point where we could say hang on, the same thing has been going on and on and on. this wasjust after. you breast—fed her. when daisy was born in 201a her mother says doctors failed to spot she was suffering from pre—eclampsia. daisy only lived an hour and emma had no idea why her daughter died. we met this lady and when she started to go through the report, she firstly started to say babies just die and thatjust happens. i cannot put it to bed because i do not have honest answers that i need. 200 families spoke to the inquiry team and many felt the hospital trust did not properly investigate what went wrong.

today, those families finally got some answers. in a report which is absolutely damning of the state of maternity care going back more than a decade. i can tell you there is a great deal of emotion and substantial anger at what people heard this morning. of the 202 births it examined, the panel concluded the outcome could been better in 97 cases had care been given to nationally recognised standards. of the 65 babies who died, it said a5 could have been saved. the panel found a pattern of recurring harm and failures of team working, professionalism, compassion and listening. and it said there were examples of downright dangerous practice. it is soul—destroying, really disgusting. and really upsetting that people can go about their daily lives in that profession knowing how many babies had to suffer.

and they had not learned from my case or cases before me. we cannot go on treating each individual service failure as if it is a one—off, an isolated failure. because experience says if that is what _ because experience says if that is what we _ because experience says if that is what we do, it will pop up again somewhere else. the report said the hospital trust seem to be covering up its failures and to date said it must learn from and act on its findings to ensure that no more babies mothers suffer. today it welcomed the review, and said it _ today it welcomed the review, and said it must — today it welcomed the review, and said it must learn on an ad for the findings _ said it must learn on an ad for the findings to— said it must learn on an ad for the findings to ensure no more mothers or babies _ findings to ensure no more mothers or babies suffer. dan findings to ensure no more mothers or babies suffer.— or babies suffer. dan johnson, bbc news. let's get the latest on this from marc norman. figs let's get the latest on this from marc norman.— let's get the latest on this from marc norman. ~ , i. ., �*, marc norman. as you heard in dan's re ort, marc norman. as you heard in dan's report. there _ marc norman. as you heard in dan's report, there were _ marc norman. as you heard in dan's report, there were 181 _ marc norman. as you heard in dan's report, there were 181 pages - marc norman. as you heard in dan's report, there were 181 pages in - marc norman. as you heard in dan's report, there were 181 pages in the i report, there were 181 pages in the report, there were 181 pages in the report and i could have picked a number of shocking quotes from any

one of those 180 pages. the overarching theme is that the trust completely fails to ensure the safety of mothers and babies in its two maternity units, one in margate and one in ashford. and that the trust was in denial and indeed is still in denial about what was happening in those maternity units. but it is really the way the mothers were treated that is so shocking, it quotes one mother whose baby was dying, when she was asking questions of the midwife, to be told, look it up of the midwife, to be told, look it up on google, and another mother who had had a baby who died was told, god only takes the babies that he wants. really, the trust has not yet acknowledged the extent and nature of what is going on in its maternity department and as you heard dan johnson say in his report, the appearance that these things are being covered up. the first thing dr bill kirkup did when he came in the room to talk to the waiting media was describing the pain and the raw emotion and the anger that he was seeing from families where he had just come from giving them details of the report. many families believe

they were treated with contempt by they were treated with contempt by the trust, blame themselves what had happened and many believe they were lied to. today, in the last few minutes, the chief executive of the trust has spoken on tamra with a wholehearted apology. —— on camera. i want to say sorry and apologise unreservedly for the harm and suffering that has been experienced by the women and babies in our care together with their families. that is described in today's report. these families came to us expecting that we would care for them safely, and we failed them. we must now learn from and act on this report. for those who have taken part in the investigation, for those who we will care for in the future and for our local communities. i know that everyone in the trust is fully committed to doing that. in the last few years, we have worked hard to improve our services and have invested to increase in the number

of midwives and doctors, in staff training, and in listening to and acting on feedback from the people who receive our care. while we have made progress, we know that there is more for us to do and we absolutely accept that. now that we have received the report, we will read it in full and the board will use its recommendations to continue to make improvements so that we are providing safe, high quality care that patients expect and deserve. so now i think many families will hear— so now i think many families will bear that— so now i think many families will hear that but will not necessarily be convinced that the trust can make the changes. they have heard statements like that before in the last few _ statements like that before in the last few years and they will really question— last few years and they will really question the chief executive of whether— question the chief executive of whether that is true. dr bill kirkup today— whether that is true. dr bill kirkup today said — whether that is true. dr bill kirkup today said he wanted to see changes not today said he wanted to see changes noliust_ today said he wanted to see changes notiust in— today said he wanted to see changes notjust in east kent but in other maternity— departments around the country. he wrote _ departments around the country. he wrote the _ departments around the country. he wrote the morecambe bay report in

2015 and _ wrote the morecambe bay report in 2015 and we have recently had the publication of the shrewsbury and telford _ publication of the shrewsbury and telford report by donna 0ckenden and there's— telford report by donna 0ckenden and there's a _ telford report by donna 0ckenden and there's a new investigation under way at _ there's a new investigation under way at nottingham so these problems exist in— way at nottingham so these problems exist in maternity departments across— exist in maternity departments across the country but today's report — across the country but today's report is — across the country but today's report is particularly damning east kent and _ report is particularly damning east kent and the trust has a huge amount of work— kent and the trust has a huge amount of work to— kent and the trust has a huge amount of work to do if they are going to -ain of work to do if they are going to gain the — of work to do if they are going to gain the confidence of the community. gain the confidence of the community-— gain the confidence of the communi . ., ,, . gain the confidence of the communi . ., . ., community. thank you so much for that, difficult _ community. thank you so much for that, difficult to _ community. thank you so much for that, difficult to hear _ community. thank you so much for that, difficult to hear some - community. thank you so much for that, difficult to hear some of - community. thank you so much for that, difficult to hear some of the i that, difficult to hear some of the details you were describing, mark norman, there. now it's time for a look at the weather. it isa it is a much cloudier day today and quite windy as well with gusts across inland areas running into the 30 mph, a0s around the coast. some may mostly affecting western areas but the weather will be particularly wet in northern ireland with rain probably heavy and thundery for a time. 0therwise, probably heavy and thundery for a time. otherwise, a lot of dry weather for eastern areas of the country and it is going to be a mile they once again with temperatures peaking into the upper teens at least. 0vernight tonight, more rain in the forecast, a batch of rain pushing its way northwards and

eastwards, so some wet weather overnight, but staying mild, temperature 10—1a. tomorrow, more rain on the cards but there is a bit of uncertainty. the most likely place we see heavy rain is across eastern areas of england but we could see the system developed a bit more and if that happens, we could get the rain working in a bit more across parts of northern england and into parts of scotland as well. where the rain does turn up it is likely to be heavy but otherwise we are looking at another mild day. hello, this is bbc news. liz truss told mps that she's committed to maintaining the triple lock on pensions — but wouldn't say if benefits would rise with inflation. and she came underfire in her irst pmqs since her economic u—turn.

harrowing and callous — a damning report is published into maternity care at east kent hospital trust. the chief investigator says women weren't listened to. there were 202 families who came forward and there were 97 deaths, injuries and other harm which could have been given if care had been given to standards accepted nationally. russian president vladimir putin declares martial law in the four regions of ukraine which it annexed last month. they'll be expected to work with russia, to boost the war effort

welcome to your questions answered. you've been sending in your questions on the cost of living and the rise in inflation. it's clear many of you want to know more about the support avaiable to you, and how you can cope with the squeeze in living standards. to answer those questions, i'm joined by the bbc�*s cost of living correspondent, kevin peachey. also judith wood—archer from the citizens advice bureau in gateshead. welcome to you both. so first of all, let's have a look at some of the most searched queries. perhaps unsurprisingly, many are about the energy price cap. people are searching about when the rebate payments are due. they want to know how the energy price cap works. and — perhaps after some scary

newspaper headlines — how high energy prices could go. let's answer some of those. judith, on the energy rebates, what is the answer to the question about when the rebate payments are due? rebate payments, people should have received those already in october and the next set are due in november and the next set are due in november and it is a £a00 rebate and they are coming in equal payments through your bill, through direct debit customers, it should come through your bill. prepayment customers should be getting it added to their prepayment card orfob, whatever they use normally. home prepayment card or fob, whatever they use normally.— they use normally. how does the ener: they use normally. how does the energy price _ they use normally. how does the energy price cap _ they use normally. how does the energy price cap work? _ they use normally. how does the energy price cap work? the - energy price cap work? the government policy has changed in terms of it how long it goes on for, so how has it changed? the terms of it how long it goes on for, so how has it changed?— so how has it changed? the energy rice ca - , so how has it changed? the energy price cap. it's _ so how has it changed? the energy price cap, it's important _ so how has it changed? the energy price cap, it's important to - price cap, it's important to understand that the torque of £2500 or £a000 in april is an average bill. the energy price cap itself is applied to a unit cost to your gas

amount of money and the price cap caps the unit cost, not the amount of your bill. 50 caps the unit cost, not the amount of your bill-— of your bill. so how high could it no? the of your bill. so how high could it go? the energy _ of your bill. so how high could it go? the energy bill— of your bill. so how high could it go? the energy bill itself- of your bill. so how high could it go? the energy bill itself could | of your bill. so how high could it l go? the energy bill itself could go as hiuh as go? the energy bill itself could go as high as they — go? the energy bill itself could go as high as they can _ go? the energy bill itself could go as high as they can and _ go? the energy bill itself could go as high as they can and it - go? the energy bill itself could go as high as they can and it depends on how much energy you use. the more energy you use, the higher it will go and the average household bill will be £2500 but if you take measures to use less energy as best you can, then you can make it lower than that. by, you can, then you can make it lower than that. �* ., ., , ., , ., than that. a lot of questions about mortua . es than that. a lot of questions about mortgages and _ than that. a lot of questions about mortgages and should _ than that. a lot of questions about mortgages and should i _ than that. a lot of questions about mortgages and should i get - than that. a lot of questions about mortgages and should i get a - than that. a lot of questions about mortgages and should i get a new| mortgages and should i get a new mortgages and should i get a new mortgage now is a popular question? getting a new mortgage is outside of my area of experience. i getting a new mortgage is outside of my area of experience.— my area of experience. i don't know if kevin can — my area of experience. i don't know if kevin can speak _ my area of experience. i don't know if kevin can speak about _ my area of experience. i don't know if kevin can speak about that, - my area of experience. i don't know if kevin can speak about that, but i | if kevin can speak about that, but i would seek advice from a professional.— would seek advice from a rofessional. ~ , , ~ ., would seek advice from a rofessional. ~ , ~ ., �* professional. absolutely. again, i'm not auoin professional. absolutely. again, i'm not going to — professional. absolutely. again, i'm not going to tell— professional. absolutely. again, i'm not going to tell you _ professional. absolutely. again, i'm not going to tell you when _ professional. absolutely. again, i'm not going to tell you when to - professional. absolutely. again, i'm not going to tell you when to get - professional. absolutely. again, i'm not going to tell you when to get a l not going to tell you when to get a mortgage — not going to tell you when to get a mortgage but what we have seen is a

statement _ mortgage but what we have seen is a statement byjeremy hunt, the new chancellor— statement byjeremy hunt, the new chancellor earlier this week and it was designed to settle the markets and settle the cost of government borrowing — and settle the cost of government borrowing and it feeds through to the cost — borrowing and it feeds through to the cost of fixed mortgages and what we have _ the cost of fixed mortgages and what we have seen is the cost has been going _ we have seen is the cost has been going up— we have seen is the cost has been going up all year but then shot up after— going up all year but then shot up after the — going up all year but then shot up after the mini budget and has levelled — after the mini budget and has levelled off a bit and we've not seen _ levelled off a bit and we've not seen it — levelled off a bit and we've not seen it come down yet because it's not an— seen it come down yet because it's not an immediate effect. we would all love _ not an immediate effect. we would all love to — not an immediate effect. we would all love to know the future, of course, — all love to know the future, of course, but it's safe to say there is an— course, but it's safe to say there is an expectation that at least the rise in_ is an expectation that at least the rise in those fixed mortgage costs will at _ rise in those fixed mortgage costs will at least level off and possibly come _ will at least level off and possibly come down again. remember, if you are on— come down again. remember, if you are on a _ come down again. remember, if you are on a variable rate or tracker deal. _ are on a variable rate or tracker deal. that— are on a variable rate or tracker deal, that will reflect what the bank— deal, that will reflect what the bank of— deal, that will reflect what the bank of england does and in a few days' _ bank of england does and in a few days' time — bank of england does and in a few days' time we will hear the latest from _ days' time we will hear the latest from the — days' time we will hear the latest from the bank of england which is expecting — from the bank of england which is expecting to put up the benchmark rate even _ expecting to put up the benchmark rate even further, so that will

affect — rate even further, so that will affect over a million or so mortgage holders _ affect over a million or so mortgage holders. ~ , ., affect over a million or so mortgage holders. ~ , . , ., , holders. why are interest rates risinu ? holders. why are interest rates rising? it's _ holders. why are interest rates rising? it's true _ holders. why are interest rates rising? it's true it _ holders. why are interest rates rising? it's true it is _ holders. why are interest rates rising? it's true it is a - holders. why are interest rates rising? it's true it is a global. rising? it's true it is a global issue and — rising? it's true it is a global issue and rates _ rising? it's true it is a global issue and rates have - rising? it's true it is a global issue and rates have been . rising? it's true it is a global- issue and rates have been rising and that's— issue and rates have been rising and that's a _ issue and rates have been rising and that's a lot _ issue and rates have been rising and that's a lot to do with inflation which — that's a lot to do with inflation which we _ that's a lot to do with inflation which we have seen today, 10.1% in the uk, _ which we have seen today, 10.1% in the uk, expected to peak at 11%. and clearly— the uk, expected to peak at 11%. and clearly the _ the uk, expected to peak at 11%. and clearly the best and most and biggest — clearly the best and most and biggest part of the bank of england's armoury to try and bring inflation _ england's armoury to try and bring inflation down to the target of 2% is to raise — inflation down to the target of 2% is to raise interest rates. something that's been seen across the world _ something that's been seen across the world and clearly that has an impact _ the world and clearly that has an impact on — the world and clearly that has an impact on all of our personal finances _ impact on all of our personal finances-— impact on all of our personal finances. ~ . , finances. when and will interest rates fall? _ finances. when and will interest rates fall? they _ finances. when and will interest rates fall? they are _ finances. when and will interest rates fall? they are expected i finances. when and will interest rates fall? they are expected to j rates fall? they are expected to eak at rates fall? they are expected to peak at 11% _ rates fall? they are expected to peak at 11% so _ rates fall? they are expected to peak at 11% so we _ rates fall? they are expected to peak at 11% so we haven't - rates fall? they are expected to peak at 11% so we haven't hit. rates fall? they are expected to | peak at 11% so we haven't hit the top yet _ peak at 11% so we haven't hit the top yet but — peak at 11% so we haven't hit the top yet but the expectation is that they will— top yet but the expectation is that they will then fall away, but one important — they will then fall away, but one

important point, that is inflation. my