good morning. the nation's phoning on friday, first off, do you still have trust in the police? andy cooke, the head of his majesty is inspectorate of constabulary, some quotes, i cannot recall a time when the relationship between the police and public was more strained than it is now. forces are failing to get the basics right. the worst crisis in law and order in living memory. it is stark, absolutely scathing. this is the essence of what he is saying, the police should focus on crimes and neighbourhoods, answering phones, failing to investigate at the moment, not keeping in victims informed, they should not be a situation where people are not getting decent levels of policing. police past and present, people of

britain, what do you think of it? do you still have trust in the police? are you getting what you need from the police? give us a call, give us a text. we will about that. right now, here is the news. a 15—year—old boy who died after being followed by police whilst riding an e—bike has been named locally as saul cookson. the incident happened yesterday afternoon in salford. he collided with an ambulance. north west ambulance service has told the bbc the vehicle was moving at the time, but it was not on an active call. the incident has been referred to the independent office for police conduct. the chief inspector of constabulary, andy cooke, has warned public trust in policing

is hanging by a thread. he's blamed a series of scandals and the failure to get the basics right. mr cooke wants to have the ability to order police forces to make changes when there are serious public safety concerns. the treasury says the windfall tax on energy firms will remain until march 2028. but it does say the rate could fall from 70% to 40% if the average price of oil and gas comes down. labour is scaling back on it's pledge to invest £28 billion a year in green industries — depite promising that in 2021 — if it wins the next general election. shadow chancellor rachel reeves says the party will now ramp up the investment over time instead. she's told the bbc, after the tories crashed the economy, it was important not to be reckless with spending.

so much we need to get our heads around, andy cooke, chief inspected, and one other thing here which is really significant, he says there is a limited opportunity to restore public trust before it is irreparably damaged. let us not forget, he is for england and wales. recently sir iain livingstone chief constable of police scotland talked about the police there and he said it was riddled with institutional racism, sexism, misogyny, discrimination. there are problems the length and breadth of our nations here. that is iain livingstone. andy cooke, he is saying it is a combination of too few criminals being caught, too many serving officers committing atrocious crimes. you will remember those. let atrocious crimes. you will remember those. , ., ., ,

atrocious crimes. you will remember those. , . ., , ., atrocious crimes. you will remember those. , . ., , , those. let us have a listen to andy cooke. significant _ those. let us have a listen to andy cooke. significant loss _ those. let us have a listen to andy cooke. significant loss of- those. let us have a listen to andy cooke. significant loss of trust - those. let us have a listen to andy cooke. significant loss of trust and confidence in policing over the last few years. one reason being the very high—profile and scandalous issues that have happened involving serving police officers, but also an element of the public feeling the police are ineffective dealing with issues that matter to them. we have seen in various polls that confidence and trust have dropped off dramatically over the last couple of years. policing needs to get back to what it should be doing, that confidence and trust is probably hanging by a thread at the moment, issue about regaining that quickly, policing and the government have a large responsibility to do so quickly. former detective superintendent at the met police, good to talk to you. good morning. the met police, good to talk to you. good morning-— the met police, good to talk to you. good morning. the met police, good to talk to you. good morninu. _, ., ., ,., ., good morning. good morning. going to brina on good morning. good morning. going to bring on central — good morning. good morning. going to bring on central london _ good morning. good morning. going to bring on central london in _ good morning. good morning. going to bring on central london in just - good morning. good morning. going to bring on central london in just a - bring on central london injust a second. bring on central london in 'ust a second. ~ , ., ., second. write with you. how did we aet here?

second. write with you. how did we get here? i — second. write with you. how did we get here? i think— second. write with you. how did we get here? i think over— second. write with you. how did we get here? i think over the _ second. write with you. how did we get here? i think over the years - get here? i think over the years olicin: get here? i think over the years policing has _ get here? i think over the years policing has lost _ get here? i think over the years policing has lost its _ get here? i think over the years policing has lost its way, - get here? i think over the years policing has lost its way, i - get here? i think over the years policing has lost its way, i don't think the fact that there have been huge police cuts since 2010... within policing, there seems to be... policing as they go to for everybody and i think were police respond to most incidents, instead of saying, actually, that is not a policing issue, we cannot deal with certain issues, they take everything on board and the whole process within policing has become diluted. public trust and confidence, i absolutely agree, hanging by a thread. unless you get that right, you will not be able to investigate crimes and give the quality of service to victims and the public they absolutely deserve. timer;r service to victims and the public they absolutely deserve. they are bein: they absolutely deserve. they are being asked _ they absolutely deserve. they are being asked to — they absolutely deserve. they are being asked to do _ they absolutely deserve. they are being asked to do too _ they absolutely deserve. they are being asked to do too much - they absolutely deserve. they are being asked to do too much at - they absolutely deserve. they are | being asked to do too much at the moment with threadbare resources. the argument is, he makes this argument, andy cooke, he says there

have been cuts and other services, pressures on other areas, the police have had to fill the gaps. thea;r pressures on other areas, the police have had to fill the gaps.— have had to fill the gaps. they are t in: to have had to fill the gaps. they are trying to play _ have had to fill the gaps. they are trying to play catch _ have had to fill the gaps. they are trying to play catch up. _ have had to fill the gaps. they are trying to play catch up. when - have had to fill the gaps. they are trying to play catch up. when you | trying to play catch up. when you have cuts across for example local authorities who work with marginalised groups and youth groups, you cannot have young people going to certain areas because there is nowhere for them to go, on top of that, you have the crown prosecution service under resourced, putting huge demand on policing when it comes to charging standards, wanting more and more information and evidence in order to support a charge at the very least, not a conviction, but a charge. different threshold to what policing her. police officers cannot make decisions themselves at the moment, certain crimes, they say, you have to go to the cps. it is in my view messed up. three factors, i think that hmrc -- hmic,

messed up. three factors, i think that hmrc —— hmic, resources itself, demand on resources, what police deal with, demand on resources, what police dealwith, criminaljustice demand on resources, what police deal with, criminaljustice system. the onus is notjust on police officers to have effective policing, it is partnership agencies around them that actually provide them with support. them that actually provide them with su ort. ., ., ~' them that actually provide them with su ort. ., ., ~ ., , support. yeah, working and being forced to operate _ support. yeah, working and being forced to operate beyond - support. yeah, working and being forced to operate beyond their - forced to operate beyond their remit. he said that stop and search is effective and important but there needs to be more explanation and we needs to be more explanation and we need to find out why young black men are disproportionately targeted. unfortunately, young black men are disproportionately targeted, but i do absolutely support and advocate stop and search, powerful tool, one of many options police take to prevent and detect crime. but they have to get it right and they have to do better. a lack of experience on the front line, when you are recruiting very young police

officers, straight out of university, from college, coming into policing, lack of communication skills, lack of training. cutbacks in policing and how they train officers. when ijoined, you had ten weeks duties, you go out on the street with experienced officers. at the moment, they have identified it is an experience supervising inexperience, really difficult to get back. it is hanging by a thread, i think it is doable, but i don't think it will happen overnight. it will take years and years for policing to get back to a reasonable level where even the basics of policing and the needs of the public are met. he policing and the needs of the public are met. , are met. he says, i will give you the quotes _ are met. he says, i will give you the quotes again, _ are met. he says, i will give you the quotes again, forces - are met. he says, i will give you the quotes again, forces are - are met. he says, i will give you i the quotes again, forces are failing to get the basics right, the worst crisis in law and order in living memory. cannot recall a time when the relationship between the police and public was more strained than it

is now. andy cooke was a cop himself for decades. tasman in bristol, good morning. not your real name. really important to hearfrom cops morning. not your real name. really important to hear from cops and morning. not your real name. really important to hearfrom cops and ex cops this morning and people who have had crimes committed against them, what has the response of the police been like in those situations? tell us more, have we lost trust in the police? definitely. i can only speak for my own experience, from the lived experience, from the woman i support — experience, from the woman i support. part of my lived experience as a young _ support. part of my lived experience as a young girl, when i called the police _ as a young girl, when i called the police to— as a young girl, when i called the police to ask for help, the police came _ police to ask for help, the police came and — police to ask for help, the police came and that made me feel like i can trust_ came and that made me feel like i can trust them but the policeman propositioned me and came back to me withoui— propositioned me and came back to me without uniform to get something different— without uniform to get something different than what i had asked for

help that _ different than what i had asked for help that shattered my trust. when i was listening to the lady before, the idea — was listening to the lady before, the idea it — was listening to the lady before, the idea it will take years to build. — the idea it will take years to build, definitely, because it has taken— build, definitely, because it has taken years to get to this point and i taken years to get to this point and i believe _ taken years to get to this point and i believe it— taken years to get to this point and i believe it is the same for everyone _ i believe it is the same for everyone else. i have members of my family— everyone else. i have members of my family who _ everyone else. i have members of my family who have called the police for help — family who have called the police for help and not been believed, not been _ for help and not been believed, not been believed of what they were talking _ been believed of what they were talking about, calling about, and we only put _ talking about, calling about, and we only put that down to whether it was the colour— only put that down to whether it was the colour of skin, situation at hand. — the colour of skin, situation at hand. were _ the colour of skin, situation at hand, were in london they were... so many— hand, were in london they were... so many components. i cannot trust them unless_ many components. i cannot trust them unless the — many components. i cannot trust them unless the trust is earned back. really— unless the trust is earned back. really unfair if people think all policemen and policewomen are like this because andy cooke makes the point it is most certainly not the situation and there are police forces in some parts of the country which are operating significantly better than in others. but do you think there is still this hard—core

in your experience, you lived experience, as you put it, institutional racism, tiwa? institutional racism, tiwa ? absolutely. institutional racism, tiwa? absolutely. i think it would be unfair— absolutely. i think it would be unfair to— absolutely. i think it would be unfairto dismiss absolutely. i think it would be unfair to dismiss that. like i said, i unfair to dismiss that. like i said, i speak— unfair to dismiss that. like i said, i speak from _ unfair to dismiss that. like i said, i speak from my own lived experience but i i speak from my own lived experience but i know _ i speak from my own lived experience but i know many women who look like me, but i know many women who look like me. come _ but i know many women who look like me, come from where i come from, they have _ me, come from where i come from, they have similar stories, they are afraid _ they have similar stories, they are afraid to _ they have similar stories, they are afraid to speak at or have been told they cannot — afraid to speak at or have been told they cannot speak out. to deny it would _ they cannot speak out. to deny it would be — they cannot speak out. to deny it would be a — they cannot speak out. to deny it would be a tragedy. it is life, it is present, _ would be a tragedy. it is life, it is present, still happening today, two males — is present, still happening today, two males and females. one is present, still happening today, two males and females.— is present, still happening today, two males and females. one of many asects of two males and females. one of many aspects of this- _ two males and females. one of many aspects of this. talking _ two males and females. one of many aspects of this. talking about - aspects of this. talking about neighbourhood crime is not being dealt with promptly. not being dealt with at all sometimes. the basics of answering the phones, attending from me, failing to investigate. loads in this. what is your story, tasmin? mr; this. what is your story, tasmin? ii goodness, this. what is your story, tasmin? m goodness, excuse me if this. what is your story, tasmin? m1: goodness, excuse me ifi this. what is your story, tasmin? m1 goodness, excuse me if i go on

because i have the flip side of both sides. ., , on because i have the flip side of both sides._ on one - because i have the flip side of both sides._ on one hand, i sides. that is fine. on one hand, they have _ sides. that is fine. on one hand, they have been _ sides. that is fine. on one hand, they have been really _ sides. that is fine. on one hand, they have been really helpful. i l sides. that is fine. on one hand, i they have been really helpful. i was in an incredibly abusive relationship. ifelt in an incredibly abusive relationship. i felt like i in an incredibly abusive relationship. ifelt like i could not get out of it. i have two children, one was a baby at the time, the other one was nine. there was for instance one time where i had managed to get to the phone, he had managed to get to the phone, he had me on the floor, strangled me, kicked me in the head, but when they turned up, he had punched himself several times in the face and said i had attacked him and actually were cautioning me, even though they knew... i am five foot two, he is six foot two and a wrestler. even though i called the police a few times, so they knew it was a recurrent thing, but in the end, it

did happen, it all got too far, they did happen, it all got too far, they did turn up and arrest him, this time he had knives. unfortunately he had the baby under his arm and a knife to her side and we were held hostage in the house and he was arrested at that point and he was prosecuted by the police, so i didn't have to deal with anything. on that side of things and the way that was dealt with, i had a will woman police officer who stayed back with me —— woman police officer. she was helping me and going through everything and that side of it was good. but i think with the other side where it was blatantly clear a six foot to man and a little woman with two kids and it was me that called the police, i cannot understand how they would even suggest it could have possibly been me. and then i have had issues with

my oldest daughter, she was bullied. i had groups of between 18 and 13—year—old boys hanging around the house, throwing eggs at the house, banging on my door, making sexual comments, filming my house, waiting for us to come and. they were not always perfect with that either. we were scared, we were closing the curtains, hiding. idon't were scared, we were closing the curtains, hiding. i don't feel curtains, hiding. idon't feel like... i know it curtains, hiding. i don't feel like... i know it is hard because they are kids, they cannot really do anything too strict about it.- anything too strict about it. these are exactly _ anything too strict about it. these are exactly the — anything too strict about it. these are exactly the sorts _ anything too strict about it. these are exactly the sorts of _ anything too strict about it. these are exactly the sorts of crimes, i are exactly the sorts of crimes, neighbourhood crimes, notjust a nuisance, notjust annoyance, neighbourhood crimes, notjust a nuisance, notjustannoyance, people feeling sometimes terrorised in their own homes, those arejust

feeling sometimes terrorised in their own homes, those are just the sorts of crimes andy cooke is saying the police need to address properly and deal with efficiently and take seriously. right back with you. we want to get the latest and we have rowan bridge to do that on this news the 15—year—old boy who died after being followed by police in salford, he has been named, i will be right back with you, named as saul cookson. rowan bridge is there and can tell us more. what more do we know? ., ., ' , ., ., know? you are right. the 15-year-old bo has know? you are right. the 15-year-old boy has been — know? you are right. the 15-year-old boy has been named _ know? you are right. the 15-year-old boy has been named locally _ know? you are right. the 15-year-old boy has been named locally as - know? you are right. the 15-year-old boy has been named locally as saul. boy has been named locally as saul cookson, you may be able to see over my shoulder, some of the tributes left, one is a photograph, also candles and cards, flowers, balloons. a large white panel with his name written over it, messages like, rest in peace, forever 15, a

young boy who died yesterday. the circumstances are still coming out. we do know police say they were following saul cookson riding any bike to o'clock yesterday afternoon, they had to stop because there are loads blocking the end of the road —— riding an e—bike. he collided with a north west ambulance. the ambulance was driving down the street but it was not responding to an emergency call, driving back to the ambulance station. saul was treated at the scene but died later in hospitalfrom his injuries. the incident is being investigated by the independent office for police conduct. they had staff here last night but they say their investigation is very much at an early stage and they will release more information when they can. tributes, more flowers being late this morning, a solemn mood after yesterday's events.— yesterday's events. there was... peo - le yesterday's events. there was... peeple will _ yesterday's events. there was... people will remember _ yesterday's events. there was... people will remember a - yesterday's events. there was... people will remember a not - people will remember a not dissimilar incident in cardiff which

we discussed very much on this programme and there was a great deal of anger locally about that. you mentioned the tributes and sadness, do you get any sense of that anger in salford about what happened? i think there are some obvious parallels but also differences. my colleague was here last night and he said the mood was very sombre and certainly there has not been any trouble here overnight, as there was following the deaths in cardiff. i think there are certainly... we have heard concerns raised this morning about local anti—social behaviour and e—bikes and there is a common thread but the circumstances, obviously there are parallels, the deaths of teenagers, e—bikes, police following e—bikes, but they are both very different circumstances, both

being investigated by the independent office for police conduct. certainly there is a broader concern raised by councillors on the bbc this morning about e—bikes and regulation of them. certainly at the moment here them. certainly at the moment here the mood is sombre and sad as to what we have seen unfold.- the mood is sombre and sad as to what we have seen unfold. thank you, north of england _ what we have seen unfold. thank you, north of england correspondent, - north of england correspondent, rowan bridge. get in touch about the police, 08085 909 693, 85058. given the stinging comments by andy cooke, chief of the inspectorate, about the police in this country, losing trust. have you lost your trust? zoe billingham, with you in a second, former police and fire watchdog, but you told your story really well, tasmin. i want to ask you a simple question before we hearfrom tasmin. i want to ask you a simple question before we hear from zoe. tasmin. i want to ask you a simple

question before we hearfrom zoe. do you still have trust in the police? in essence. in you still have trust in the police? in essence-— in essence. in essence, i thinki do, i in essence. in essence, ithinki do. i know— in essence. in essence, i thinki do, i know that _ in essence. in essence, i thinki do, i know that sounds - in essence. in essence, i thinki do, i know that sounds a - in essence. in essence, i thinki do, i know that sounds a bit - in essence. in essence, i think i i do, i know that sounds a bit silly, but at the end of the day, i think what we have got to remember, same with doctors and nurses and everything else, nobody is a robot, they are human beings. people do make mistakes. i do think they should be a bit more up on domestic violence and crime is going on with teenagers and the terrorising homes, and how frightening that can be. but in essence, like you said, i would still go to them, i still sort of trust and, yes.— still go to them, i still sort of trust and, yes. still go to them, i still sort of trust and, es. ., ,, , ., , . trust and, yes. thank you very much indeed, tasmin. _ trust and, yes. thank you very much indeed, tasmin. zoe _ trust and, yes. thank you very much indeed, tasmin. zoe billingham, - indeed, tasmin. zoe billingham, hello. ., indeed, tasmin. zoe billingham, hello-_ what - indeed, tasmin. zoe billingham, hello._ what do i indeed, tasmin. zoe billingham, l hello._ what do you hello. good morning. what do you make of these _ hello. good morning. what do you make of these comments? - hello. good morning. what do you|

make of these comments? limited opportunity to restore public trust before it is irreparably damaged. as ever, i can feel through a kind of osmosis and nonexistent telepathy from police officers past and present listening now that they will be really, really shaken by this and upset because they are good people doing a good job. it is above and beyond that. what has he mean by the need to get back to basics, what does that mean? you need to get back to basics, what does that mean?— need to get back to basics, what does that mean? you are right. so many police _ does that mean? you are right. so many police officers _ does that mean? you are right. so many police officers i _ does that mean? you are right. so many police officers i know- does that mean? you are right. so many police officers i know do - does that mean? you are right. so many police officers i know do the| many police officers i know do the most _ many police officers i know do the most fantasticjob and we all have great _ most fantasticjob and we all have great experiences, don't we, with police? _ great experiences, don't we, with police? also as tasmin's own account shows, _ police? also as tasmin's own account shows, good — police? also as tasmin's own account shows, good incidents and really poor— shows, good incidents and really poor ones— shows, good incidents and really poor ones and that is the issue, catastrophic cases, the wayne couzenss, david carrick, hiding in plain— couzenss, david carrick, hiding in plain sight, — couzenss, david carrick, hiding in plain sight, perpetrating heinous crimes —

plain sight, perpetrating heinous crimes. back to basics is a simple concept, — crimes. back to basics is a simple concept, it— crimes. back to basics is a simple concept, it really is again in tasnfin's_ concept, it really is again in tasmin's example, police being visible — tasmin's example, police being visible on — tasmin's example, police being visible on the streets, knowing the local community, nipping in the bud, treating _ local community, nipping in the bud, treating concerns around anti—social behaviour. — treating concerns around anti—social behaviour, you described it as being a crime _ behaviour, you described it as being a crime where someone feels almost locked _ a crime where someone feels almost locked and _ a crime where someone feels almost locked and terrorised in their own hassle _ locked and terrorised in their own hassle. terrible crime because it is very personal. prioritising actions not words — very personal. prioritising actions not words -- _ very personal. prioritising actions not words —— in their own household. being _ not words —— in their own household. being seen. — not words —— in their own household. being seen, visible, responding, when _ being seen, visible, responding, when you — being seen, visible, responding, when you turn up, believing the victim — when you turn up, believing the victim i— when you turn up, believing the victim. i thought tasmin was an example. — victim. i thought tasmin was an example, small woman is not being believed _ example, small woman is not being believed but a wrestler who has inflicted — believed but a wrestler who has inflicted horrible harm on her is being _ inflicted horrible harm on her is being believed, all of that is a microcosm of the things we need to unpack— microcosm of the things we need to unpack in— microcosm of the things we need to unpack in policing. we microcosm of the things we need to unpack in policing.— unpack in policing. we are asking, what is your— unpack in policing. we are asking, what is your experience _ unpack in policing. we are asking,

what is your experience if - unpack in policing. we are asking, what is your experience if you - unpack in policing. we are asking, | what is your experience if you have been a victim of crime, did you get the response you expected? zoe, you talk about this, more visible policing, over the far too many as i have been doing debates on this, that has been a mantra, more bobbies on the beat, is that possible? i think it has to be, nicky. thinking the unthinkable, if the bond of trust _ the unthinkable, if the bond of trust between the police and public is severed — trust between the police and public is severed completely, we are seeing the fabric— is severed completely, we are seeing the fabric of— is severed completely, we are seeing the fabric of society begin to unravel. _ the fabric of society begin to unravel, we are seeing a sense of lawlessness if the public will not call the — lawlessness if the public will not call the police, if they do not trust — call the police, if they do not trust the _ call the police, if they do not trust the police when they turn up. if trust the police when they turn up. if the _ trust the police when they turn up. if the only— trust the police when they turn up. if the only way to restore the trust is to prioritise resources into turning — is to prioritise resources into turning up— is to prioritise resources into turning up at 999 calls, investigating crime well, bringing offenders tojustice, having investigating crime well, bringing offenders to justice, having a visible — offenders to justice, having a visible presence in communities, i don't _ visible presence in communities, i don't think— visible presence in communities, i don't think it is too much to ask of policing _

don't think it is too much to ask of policing it— don't think it is too much to ask of policing it is— don't think it is too much to ask of policing. it is what the public expect _ policing. it is what the public expect. yes, the police are subject to a whole — expect. yes, the police are subject to a whole range of pressures, 20,000 — to a whole range of pressures, 20,000 uplift in police numbers over the last— 20,000 uplift in police numbers over the last three years is great news for policing, but it barely gets us back— for policing, but it barely gets us back to _ for policing, but it barely gets us back to where we were a decade ago. probably— back to where we were a decade ago. probably needs to be a frank conversation with the public about, what are _ conversation with the public about, what are you prepared to pay for full policing and what are your expectations? this is a costly service — expectations? this is a costly service and one of the things andy cooke _ service and one of the things andy cooke picks out in his report, postcode _ cooke picks out in his report, postcode lottery effectively in policing, different police forces are funded in different ways. the idea you — are funded in different ways. the idea you get the same response to a crime _ idea you get the same response to a crime in _ idea you get the same response to a crime in camden as you do in cumbria, _ crime in camden as you do in cumbria, it— crime in camden as you do in cumbria, it isjust not happening. the public— cumbria, it isjust not happening. the public to expect a basic minimum of police _ the public to expect a basic minimum of police service. if the public to expect a basic minimum of police service.— of police service. if you have time, lease do of police service. if you have time, please do listen _ of police service. if you have time, please do listen to _ of police service. if you have time, please do listen to helen - of police service. if you have time, please do listen to helen and - of police service. if you have time, | please do listen to helen and doug who have got in touch with us i am delighted to say. you go first, what is your experience? it

delighted to say. you go first, what is your experience?— is your experience? it is... i will be with you. _ is your experience? it is... i will be with you, helen. _ is your experience? it is... i will be with you, helen. carry - is your experience? it is... i will be with you, helen. carry on. i l is your experience? it is... i will. be with you, helen. carry on. i was 'ust... i be with you, helen. carry on. i was just... i texted _ be with you, helen. carry on. i was just... i texted to _ be with you, helen. carry on. i was just... i texted to say _ be with you, helen. carry on. i was just... i texted to say my _ be with you, helen. carry on. i was just... i texted to say my son - be with you, helen. carry on. i was just... i texted to say my son is - be with you, helen. carry on. i was just... i texted to say my son is in l just... i texted to say my son is in the met police, he has been in for two years, coming up to his third year, long probation period, tough probation period. the experience that i have learnt about three him as it is almost an impossible job to do properly —— through him. it is under resourced, underfunded. barely a week that goes by where he is not saying he is not having to do extra shift hours, or a particular part of the service has virtually no resources, we have a near neighbour whose son is also in the met police but in full longer. one of your people whole messaged said, i

reported a burglary, they came round within 15 minutes. but after that, i had nothing. that is pretty standard for a burglary. there is no question. i think it is... it is a really thankless task and it is hugely under resourced. your two lady cricketers earlier onset it takes a generation to change attitudes. nothing could be more true of the police. it does take a generation to change attitudes. it takes a lot less than that to mark the police with a terrible reputation, easierto the police with a terrible reputation, easier to build the reputation... reputation, easier to build the reputation. . ._ reputation, easier to build the reputation... reputation, easier to build the reutation... �* , ., reputation... almost impossible to break the reputation _ reputation... almost impossible to break the reputation they - reputation... almost impossible to break the reputation they already i break the reputation they already have. because even young officers,

like my son, desperate to try and forge a career in the police, he tells me his colleagues, his new, young recruit colleagues, leaving in their droves. the reason why is because it is a stressful, difficult, thanklessjob because it is a stressful, difficult, thankless job to do. because it is a stressful, difficult, thanklessjob to do. i'm afraid still as your previous speakerjust said, yes, ok, 20,000 new police, suella braveman goes public and says, look what a wonderfuljob we have done, they have literallyjust pushed the clock back a few years ago where we were cutting police numbers in their droves. my neighbour's son who is a few years longer serving than my son, he was at one time for about a month and a half the burglary squad

for his station, that was it, just him, one officer. he could not possibly cover the number of burglaries there were in the area. it was impossible. is it any surprise the public complain they are not getting a good enough service? my concern is if wejust continue to vilify the police and don't recognise the difficulty they have got with resourcing and the difficulty to turn around decades of institutionalised difficulties, then how on earth are we going to persuade people it is a career they want to pursue?— want to pursue? from a guy in the olice for want to pursue? from a guy in the police for 35 _ want to pursue? from a guy in the police for 35 years, _ want to pursue? from a guy in the police for 35 years, andy - want to pursue? from a guy in the police for 35 years, andy cooke, . want to pursue? from a guy in the | police for 35 years, andy cooke, he says the big challenge is to get the reputation restored. what i would say... reputation restored. what i would sa ., ., reputation restored. what i would sa... ., ., ., say... how do you do that? when we come onto- -- — say... how do you do that? when we come onto... at _ say... how do you do that? when we come onto... at the _ say... how do you do that? when we come onto... at the sole _ say... how do you do that? when we come onto... at the sole focus, - come onto... at the sole focus, forgive me, nicky, i know you try to run a balanced phone in, the sole

focus of the publicity and press coming out over the next few weeks will be what an utter shambles the police is. will be what an utter shambles the olice is. ~ . , will be what an utter shambles the olice is. i i , , ., police is. which is why and, helen, i will be police is. which is why and, helen, i will be with _ police is. which is why and, helen, i will be with you, _ police is. which is why and, helen, i will be with you, simon, - police is. which is why and, helen, i will be with you, simon, why - police is. which is why and, helen, i will be with you, simon, why it i police is. which is why and, helen, i will be with you, simon, why it is| i will be with you, simon, why it is so important if you can to hearfrom serving policemen and women this morning, you don't have to give your name of course. maybe you are not in the cops any more but you know what going on. you can text as well. i will read out text, you don't have to come on the radio if that will be a problem. i can understand if it is. good morning, simon.- is. good morning, simon. good morning- _ is. good morning, simon. good morning- how _ is. good morning, simon. good morning. how are _ is. good morning, simon. good morning. how are you - is. good morning, simon. good morning. how are you doing? l is. good morning, simon. good morning. how are you doing? i | is. good morning, simon. good i morning. how are you doing? i am aood. morning. how are you doing? i am good- how— morning. how are you doing? i am good- how are _ morning. how are you doing? i am good. how are you? _ morning. how are you doing? i am good. how are you? i— morning. how are you doing? i am good. how are you? i am - morning. how are you doing? i am good. how are you? i am fine. - morning. how are you doing? i am good. how are you? i am fine. let| morning. how are you doing? i am i good. how are you? i am fine. let me ask ou good. how are you? i am fine. let me ask you the — good. how are you? i am fine. let me ask you the question, _ good. how are you? i am fine. let me ask you the question, do _ good. how are you? i am fine. let me ask you the question, do you - good. how are you? i am fine. let me ask you the question, do you still - ask you the question, do you still have trust in the police? seriously lack trust in _ have trust in the police? seriously lack trust in the _ have trust in the police? seriously lack trust in the police. _ have trust in the police? seriously lack trust in the police. seriously l lack trust in the police. seriously lack trust in the police. seriously lack trust in the police. i am not saying that every police is like this, but if you consistently feel

like you are being targeted for the wrong reasons, and other things happen, like recently what happened with wayne couzens, and many more, and a lot of reports coming out, you start to believe, ok, this is true, my beliefs are not wrong, i should not trust the police for whatever reason. given me a reason to guide my children, you need to be really careful because if you fall in the wrong place, this is what you can happen to you even if you are innocent. an incident not long ago, i am a nurse, i was going for a train, i have —— going for training, i have parked my car, i got out of my car, go to the parking place to pay for a ticket, got back in my car to put the ticket inside my car to show i have paid, in the time i was doing that, and an identified police car came and surrounded my car, four

please people, theyjust asked me, put your hands up, put your keys there, go out now, i was scared. i have never ever witnessed something like that. i put my hands up, i went out, but my head down, hands in handcuffs, i said to them, what are you doing? can i explain to you something? i am a nurse, you doing? can i explain to you something? iam a nurse, i have my driver's licence, i have my nhs card, everything with me, i am coming for training. card, everything with me, i am coming fortraining. i card, everything with me, i am coming for training. i left my car open, everything got soaked, drenching rain, they were ransacking my car. they left the car like that, they went away, why are you doing this? i was left in handcuffs. the guy said, somebody has called you are dealing in drugs. this cannot be

possible, you are doing this well i am telling you this. they left, they did not apologise at all. i was so traumatised. i had to drive back, three hours. not long from that again, i was going to pick up my family from a funeral, they went to a wake in the evening, stopped by a police car randomly. he seemed not to be driving... i was driving straight. have you been drinking? no, they gave me something, i had to blow in it, a man and a woman, the woman was confrontational, rude. i don't understand why you are doing this? i am driving straight, you are driving behind me. you did not seem to be... why are you stopping me now? it said, you are all right. the woman started going... i don't understand why you stopped me. i looked next to the other police

gentlemen and i said, i know you. i am a nurse. yesterday i was with you in the hospital all day because i was involved in somebody unfortunately... the person was very unwell and committed suicide. i was with you. we work together. the gentleman pulled the police to one side, the other lady, said something to her, they came to me, said, ok, you go. i could not understand. looking back at all of these things coming back from the police, ok, he realised they are just profiling you, racially profiling you, trying to get you into trouble. it is really frustrating. it makes you paranoid. you are scared. the police driving behind you, you are scared. it makes you paranoid. you are not a criminal or something like that. you arejust worried.

criminal or something like that. you are just worried. you criminal or something like that. you arejust worried. you don't criminal or something like that. you are just worried. you don't know what they can place on you. xfour are just worried. you don't know what they can place on you. your you how catastrophic _ what they can place on you. your you how catastrophic things _ what they can place on you. your you how catastrophic things can - what they can place on you. your you how catastrophic things can be - what they can place on you. your you how catastrophic things can be when | how catastrophic things can be when the police _ how catastrophic things can be when the police such a profound that lady louise _ the police such a profound that lady louise casey said in her report was within— louise casey said in her report was within policing, and where you, where — within policing, and where you, where people, i'm sure, from what has been _ where people, i'm sure, from what has been said, from the colour of their— has been said, from the colour of their skin. — has been said, from the colour of their skin, there is an awful lot to put right— their skin, there is an awful lot to put right in— their skin, there is an awful lot to put right in policing, nikki not only— put right in policing, nikki not only a — put right in policing, nikki not only a metropolitian police issue. so, only a metropolitian police issue. so. as— only a metropolitian police issue. so. as i_ only a metropolitian police issue. so. as i was— only a metropolitian police issue. so, as i was we can only if the

public— so, as i was we can only if the public see _ so, as i was we can only if the public see that racial profiling is only going to undermine that trust even _ only going to undermine that trust even further. there is nickyracial profiling — even further. there is nickyracial profiling is— even further. there is nickyracial profiling is only going to undermine that trust— profiling is only going to undermine that trust even further. there is a massive _ that trust even further. there is a massive tanker,, sadly, for our police — massive tanker,, sadly, for our police to— massive tanker,, sadly, for our police to turn around, and it is the actions _ police to turn around, and it is the actions of— police to turn around, and it is the actions of a — police to turn around, and it is the actions of a view that judged by rather— actions of a view that judged by rather than the actions of but we have _ rather than the actions of but we have got— rather than the actions of but we have got to make sure that the few aren't— have got to make sure that the few aren't able — have got to make sure that the few aren't able to dictate the tone and tenor— aren't able to dictate the tone and tenor of— aren't able to dictate the tone and tenor of policing because of the terrible — tenor of policing because of the terrible consequences that that has in the _ terrible consequences that that has in the fabric of our society and the impact _ in the fabric of our society and the impact on — in the fabric of our society and the impact on the lives of individuals, as has— impact on the lives of individuals, as has so— impact on the lives of individuals, as has so zoe, police and fire watchdog, _ as has so zoe, police and fire watchdog, that was a helen, if you could _ watchdog, that was a helen, if you could hang — watchdog, that was a helen, if you could hang on, we have many more. but i _ could hang on, we have many more. but i would — could hang on, we have many more. but i would love to speak to you after the news and sport, if possible. do you still have trust in

the police? do get in touch. it and here is the a is the 15—year—old boy who died after being followed by police on his e—bike has been named locally as saul cookson. it happened yesterday afternoon in salford where the teen collided with an ambulance which was moving at the time according to north west ambulance service but it was not responding to an emergency call. the independent office for police conduct is investigating. the chief inspector of constabulary has warned public trust in policing is "hanging by a thread". in his first report since taking office andy cooke argues he should have greater powers including the ability to order police forces to make changes when there are serious public safety concerns. the government has announced the windfall tax on energy firms will remain until march 2028.

but it does say the rate could fall from 70% to 40% if the average price of oil and gas comes down. labour is scaling back on one of its key pledges to invest £28 billion a year in green industries if the party wins the next general election. that's despite a promise in 2021. the shadow chancellor rachel reeves has told the bbc instead they'll increase investment more gradually. she blamed the conservatives for "crashing the economy". ahead of the champions league final in istanbul tomorrow, the turkish football federation has reassured travelling fans that the event will run safely and smoothly. last year's showpiece match in paris was marred by chaotic scenes which left some supporters penned in and teargassed outside the stade de france. in tennis, iga swiatek will stay as the world number one after reaching the final

of the french open tennis. she beat beatriz haddad maia in straight sets and will face karolina muchova in the final. britain's alfie hewett has progressed to the men's wheelchair singles final. australia are in control of cricket's world test championship final against india at the oval. india closed day two on 151 for 5, still 318 runs behind australia's first innings total. and the rugby football union says england's women have been offered new deals with "significant enhancements". although the rfu does not disclose player salaries, it's understood the new contracts do offer a big pay rise and will run up to three years. previously most deals lasted for 12 months.

coming up at ten... mortgage rises — can you cope? have you recently been sitting in a queue on the phone hoping to secure a rate before an other rise, pressing options, being offered the chance to e—mail with your question, ultimately waiting to speak to and when you do so, perhaps, hard as they try, not very helpful, and what they try, not very helpful, and what they do tell you is extremely worrying and depressing. a lot of fixed—rate deals are coming to an end, a well, tracker mortgages are going up and up and up, can that is

coming up we are talking about trust in the police, do you still have trust in the police? that is coming up trust in the police? that is coming up following the scathing andy cooke that something needs to be done now, or it will be irreparably broken, that trust, for. loads of texts. just let me tell you people are talking about burglary, driving offences, assault, manslaughter, overwhelming number of them about individual crimes, people not and we can't obviously read out, hurtful and distressing, alarming as that

is, but ijust want and distressing, alarming as that is, but i just want to and distressing, alarming as that is, but ijust want to reflect and distressing, alarming as that is, but i just want to reflect the number of texts we are getting. we do read them all, though,, says this one, that i have lost trust, it is the frustration that the laws e:g., all protesters can block roads, we do nothing, yet horse protesters and anti—vaccine protesters are removed without hesitation, quite vigorously at times. this one... i am a retired police officer, trust in the police is dead. you know the number, get thank you and jane in new to it is coming up as well. helen, what would you like to tell, and in, on the local level where i am, definitely there is very little trust i have been unlucky enough to have my car stolen twice, and i have had it broken into, oncejust a week

stolen twice, and i have had it broken into, once just a week ago broken into, oncejust a week ago it was stolen, three times on my drive broken into and only on this last occasion did the police actually bother to actually come even though this has been a repeating thing and i am a single person, i am on and it is, you don't feel safe. last time my car was stolen, my house keys were in and where the car was stolen from on the last occasion, i made the police aware, there was cctv all and i have of trying to get some, because i know the police haven't even acted and i think in response to that i am kind of answering my own question, but i think it is a

and the fact that the police just don't seem to have the people on the, in terms of funding are you cutting them some slack,, you understand why they i... it is ok understanding, _ understand why they i... it is ok understanding, but _ understand why they i... it is ok understanding, but the - understand why they i... it is ok understanding, but the people i understand why they i... it is ok i understanding, but the peoplejust don't, the crimes that are occurring are occurring all and that is because people know they the police are rarely going to be following up on these minor crimes, and as we all know about minor crime, it often leads on to more thank you, helen. another text here... i have absolute trust in the police, having lived in the west midlands and the north of

england professionalism from west mercia, cheshire and merseyside constabularies, i always andy cooke makes the point there are some forces operating a whole lot better than others first, matt in north yorkshire, it is all yours,, thanks for what do you make of this? i i was i'm sick to death of the negative media stories that you see which seem to be it is one of toughestjobs in the world, you see so much that you have to run

towards other it is a very challenging world they i started in the police in the '90s, back then we did not have the internet all the human rights acts, which have all impacted massively on how and the i think it has gone. you cannot do it any more. i think there needs to be a review of the policing in this country. in order to get the public faith and public confidence back, there needs to be root and branch look at all of it to say, right, what can we do to help these people keep the public safe? you need the police. you cannot not have done.

the police are there to help people, to hold people to account, to bring bad people to justice. to hold people to account, to bring bad people tojustice. that to hold people to account, to bring bad people to justice. that is what they are there for. it is right that is reviewed and it is right the proper resources are put in place to help the boys and girls do thatjob and do it efficiently. girls do that 'ob and do it efficiently._ girls do that 'ob and do it efficientl . i, i, i, ~' efficiently. not a 'ob i would like to do, efficiently. not a 'ob i would like to do. given — efficiently. not a 'ob i would like to do, given the _ efficiently. not a job i would like to do, given the threats - efficiently. not a job i would like to do, given the threats and - efficiently. not a job i would like to do, given the threats and the| to do, given the threats and the pressure and the stuff they see and the stuff they have to do. i think the stuff they have to do. i think the vast majority of people in this country admire what they do and absolutely respect them. there are problems. when someone who is a cop for 35 years since, as the chief inspector, i want to run these by you, lifted opportunity to restore public trust before it is irreparably damaged —— limited opportunity. public trust hanging by a thread. forces are failing to get

the basics right. the worst crisis in law and order in living memory. i would agree, i would agree that things are looking pretty bleak at the moment. but i think now is the time for somebody to grab this and say, let us sort it out, make it better, put it back on a positive track for the good of everybody in this country. regardless of where you live, regardless of, you know, what your culture is. it is for everybody, the polices there for everybody. without fear or favour. let us do something to sort it out. it has been a creeping thing where i think there has been underfunding, chronic underfunding, for years. we used to have a centre of excellence for training police officers which i went to and i passed out of training

from at hendon, that has gone now. it was a centre of excellence for cops to go to to learn how to be a cops to go to to learn how to be a cop properly to have instilled in them professionalism, discipline, pride, that has gone. the cops are learning how to be a policeman on the internet. pare learning how to be a policeman on the internet-— learning how to be a policeman on the internet. are you furious? hang on, are the internet. are you furious? hang on. are you — the internet. are you furious? hang on, are you furious _ the internet. are you furious? hang on, are you furious with _ the internet. are you furious? hang on, are you furious with some - the internet. are you furious? hang on, are you furious with some of i on, are you furious with some of your colleagues, former colleagues, not people you worked with, but in general in the force? in the run—up to this, i looked at the recent policing scandals and it could have reams of a4 policing scandals and it could have reams of all, some unforgivable and disgusting stuff. when you hear one of those stories, notjust disgusting stuff. when you hear one of those stories, not just the sexual offences, there is a whole lot more, when you hear those stories, how angry do you get with the police?

i don't get angry at the police, i feel ashamed that those people have been allowed to continue within that service. is the vetting up to standard, i have to ask myself? but there is something else, the police is drawn from society, the police reflects society, there are bad apples in society, so by that token, you will get those bad apples in the police, unfortunately. but if you have got efficient vetting to stop them getting through, to wheedle them getting through, to wheedle them out, to get rid of the bad apples as quickly as possible, then that can only be for the good. it's been a really great call, i want to move on, but i am glad we got you on. what a response we have

had. jane, say what you want to say, jane, good morning.— had. jane, say what you want to say, jane, good morning. good morning, my sunnis police — jane, good morning. good morning, my sunnis police officer, _ jane, good morning. good morning, my sunnis police officer, and _ jane, good morning. good morning, my sunnis police officer, and he _ jane, good morning. good morning, my sunnis police officer, and he does - sunnis police officer, and he does not live _ sunnis police officer, and he does not live in— sunnis police officer, and he does not live in my current local area, i found _ not live in my current local area, i found the — not live in my current local area, i found the police on monday because my 16—year—old daughter was getting threatened with her life so i phoned 999, threatened with her life so i phoned 999. and _ threatened with her life so i phoned 999, and we are on friday and still no police _ 999, and we are on friday and still no police have turned up. theyjust don't _ no police have turned up. theyjust don't seem — no police have turned up. theyjust don't seem to be bothered, it's not an emergency, it is not... you can do anything — an emergency, it is not... you can do anything you want, the police will not — do anything you want, the police will not come out. i get threats because — will not come out. i get threats because of the job my son has, and when _ because of the job my son has, and when i _ because of the job my son has, and when i need — because of the job my son has, and when i need the police, they don't come _ when i need the police, they don't come anyway. theyjust don't bother turning _ come anyway. theyjust don't bother turning up _ come anyway. theyjust don't bother turning up. is come anyway. they 'ust don't bother turnin: u. , i, come anyway. they 'ust don't bother turniniu. , i, , , , turning up. is that because they don't care. _ turning up. is that because they don't care, though, _ turning up. is that because they don't care, though, or- turning up. is that because they don't care, though, or is - turning up. is that because they don't care, though, or is it - turning up. is that because they i don't care, though, or is it because theyjust don't care, though, or is it because they just are overstretched? definitely overstretched, definitely, they are more like

social— definitely, they are more like social workers today, and not police officers _ social workers today, and not police officers. , , i, i, officers. interesting you say that because recently, _ officers. interesting you say that because recently, and _ officers. interesting you say that because recently, and andy - officers. interesting you say that i because recently, and andy cooke absolutely condones this move, that they should not be attending when it is a mental health issue. and they need to cut their cloth and they need to cut their cloth and they need to cut their cloth and they need to focus on the stuff that they are not sufficiently focusing on at the moment. i want to thank you very much for that. ursula in bromley, what happened to you?— much for that. ursula in bromley, what happened to you? good morning, nic . i am what happened to you? good morning, nicky- i am a — what happened to you? good morning, nicky- i am a support _ what happened to you? good morning, nicky. i am a support worker _ what happened to you? good morning, nicky. i am a support worker for - nicky. i am a support worker for people with brain injuries, so, during covid, i was working, i was out there and travelling on buses and tubes and trains and the bus drivers at the time were behaving like police officers and they were demanding that people who weren't wearing masks show evidence that they were exempt from wearing masks, and i got a bit fed up with it, every bass i got on i was asked to produce evidence and i did my research and i realised that the bus drivers had no right to actually ask

for evidence so i stood my ground, on this particular occasion i said to the driver, i don't have to show you any evidence, i am telling you that i am exempt and that should be enough. anyway we had a bit of a heated discussion, he was saying, everybody else is doing it, and i was saying, well, i choose not to, i went to sit down at the back of the bus, he said, iam not went to sit down at the back of the bus, he said, i am not having this, he switched off the bus and called the police and told them that i abused him, he used language that i have never used, i didn't even understand the phrase that he had used because i had never heard it before, howeverthe used because i had never heard it before, however the police believed him. they had bodycams on, of course there is always a bus, but this was never looked at, there was no audio of me, no video of me, however the bus driver was behaving very distressed, i was removed from the bus, searched on the street, my belongings were taken from me, i was put inside the back of the van, taken to the police station and

charged with, i can't remember what the code was, it was code five or something, which meant that i had verbally abused and was aggressive and antisocial, basically. in my job, these words are, like, you know, these words do not come into my vocabulary, i do not do that sort of thing, i cannot behave like that and i do not behave like that. so i was taken to the station and i was actually charged with this... i protested, saying, i didn't do anything, can we have a look at this etv footage, please? they didn't answer, they kind of evaded anyway, i was released and given a £90 fine for the affray, i complained, i said i wanted my day in court to state my side of the story, and i wanted to view the footage on the bus, i wanted to see why they believed this driver. anyway, no footage was ever

produced... driver. anyway, no footage was ever produced- - -— produced... what ultimately happened. _ produced... what ultimately happened, ursula? - produced... what ultimately i happened, ursula? ultimately, produced... what ultimately - happened, ursula? ultimately, i received a _ happened, ursula? ultimately, i received a letter _ happened, ursula? ultimately, i received a letter from _ happened, ursula? ultimately, i received a letter from the - happened, ursula? ultimately, i| received a letter from the police, after making the formal complaint, i received a letter from the police saying that it had been an administrative error and everything had been dropped. that was the outcome. i, ~ had been dropped. that was the outcome. i, ,, , i, , had been dropped. that was the outcome. i, «i , i, , i outcome. thank you very much indeed. joe in cambridge. _ outcome. thank you very much indeed. joe in cambridge, shabnam _ outcome. thank you very much indeed. joe in cambridge, shabnam chaudhri i joe in cambridge, shabnam chaudhri is still with us, former detectives pendant of the met police. i will come to you in a second shabnam, but joe, i want you to tell us your feelings this morning. good morning, joe. £31 feelings this morning. good morning, joe. i, i, i, , i, fine, joe. of mourning, how are you? fine, there are many _ joe. of mourning, how are you? fine, there are many people _ joe. of mourning, how are you? fine, there are many people coming - joe. of mourning, how are you? fine, there are many people coming to - joe. of mourning, how are you? fine, there are many people coming to us i there are many people coming to us with really positive experiences of the police, and i had an amazing experience of the police recently talking about not recent sexual abuse at my school in the '70s, they could not have been more sympathetic, they could not have been better, the police scotland people that i dealt with. joe, i think you want to stick up for the

police a bit?— police a bit? yeah, there is a minority _ police a bit? yeah, there is a minority of— police a bit? yeah, there is a minority of bad _ police a bit? yeah, there is a minority of bad officers, - police a bit? yeah, there is a minority of bad officers, i - police a bit? yeah, there is a| minority of bad officers, i will police a bit? yeah, there is a - minority of bad officers, i will say that first, unfortunately, with the media, we've got some really bad officers who we've seen with their misconduct, their disgusting behaviour, and that is obviously going to change public perception, but the majority of police officers are so good. we've got issues, yes, with vetting, cps, funding, your corner before talking about public order, i think officers need more clarification on that, but i am also an independent custody visitor, and we are volunteers and we see first—hand the great work of the police and the treatment of detainees. but i go back to many incidents when i was, a few years

ago, suicide attempts, and i was very close, and i wouldn't be here today if it wasn't for the officers that help to me and when i was in a care home and going through horrible situations there, they went above and beyond and one officer always checked on me to make sure i was safe and protected. there are so many different situations, but we have got social media as well, where people are taking the law into their own hands or being wannabe detectives, standing outside police stations filming, but it is not the law, and the officers that take so much hate because of the stuff that has happened in the police and how people feel about it, which quite rightly they feel, i am not saying thatis rightly they feel, i am not saying that is wrong, because it is disgusting what we have heard. but the abuse that they are having to take, they are overstretched, they

are underfunded, they are going out to many calls which they shouldn't go out to, but they don't have a choice, but that is with all the public sector, it could be fire, ambulance, police, police are having to cover medically when an ambulance is not there and the fire service are having to do that as well. so, we've got so much underfunding and they are under resourced, and yes, thatis they are under resourced, and yes, that is going to make people angry but you can't be angry at the whole force, because there's so many great officers around, and there is so much being done to try and improve it, but this is going to take so much time. it, but this is going to take so much time-— it, but this is going to take so much time. i, «i , i, , i i, much time. thank you very much. you are absolutely — much time. thank you very much. you are absolutely right _ much time. thank you very much. you are absolutely right and _ much time. thank you very much. you are absolutely right and we _ much time. thank you very much. you are absolutely right and we can't - are absolutely right and we can't praise the excellence of so many police officers in our country enough, but of course it is deeper than that, there are very profound problems, and this comes from the man whosejob it problems, and this comes from the man whose job it is to look at the police and to make it all better.

and shabnam chaudhri, what is the time now, 57, in the time available to us, he makes a really interesting point, shabnam, or recommendation, he's urged the government to introduce legislation to make it a legal requirement for police forces to impairment the recommendations of the inspectorate on issues of public safety. he says thus far, this either isn't done or it is not done quickly enough. ifeel either isn't done or it is not done quickly enough. i feel shabnam that thatis quickly enough. i feel shabnam that that is very significant? yes. quickly enough. i feel shabnam that that is very significant?— that is very significant? yes, very, very significant. — that is very significant? yes, very, very significant, i— that is very significant? yes, very, very significant, i think _ that is very significant? yes, very, very significant, i think it's - very significant, i think it's really_ very significant, i think it's really important that the appropriate powers are giving to policing, — appropriate powers are giving to policing, to chief officers, in terms — policing, to chief officers, in terms of— policing, to chief officers, in terms of public safety. talk about the crown — terms of public safety. talk about the crown prosecution service, which we mentioned briefly earlier, police officers _ we mentioned briefly earlier, police officers don't have the authority to charge _ officers don't have the authority to charge their and then. that has a detrimental impact on public trust, on victims —

detrimental impact on public trust, on victims of prime, basic policing standards— on victims of prime, basic policing standards in terms of neighbourhood policing, _ standards in terms of neighbourhood policing, one of the biggest disasters in policing, where there they have — disasters in policing, where there they have reduced the number of neighbourhood officers across policing — neighbourhood officers across policing within the uk, so that they can't deal— policing within the uk, so that they can't deal with the basics of burglary, _ can't deal with the basics of burglary, antisocial behaviour, motor— burglary, antisocial behaviour, motor vehicle crime, violence against — motor vehicle crime, violence against women and girls, unless you increase _ against women and girls, unless you increase the — against women and girls, unless you increase the number of officers within— increase the number of officers within those areas, your public safety — within those areas, your public safety trust and confidence will remain — safety trust and confidence will remain at rock bottom.- remain at rock bottom. quite incredible _ remain at rock bottom. quite incredible because _ remain at rock bottom. quite incredible because this - remain at rock bottom. quite i incredible because this morning, remain at rock bottom. qi. its: incredible because this morning, as ever. —— incredible calls. some stark reminders of the problems, but also important to say, important reminders of how amazing some of our police officers are. and the difficulty and the challenges and the dreadfuljob they sometimes have to do. the dreadful 'ob they sometimes have to do. i. the dreadful 'ob they sometimes have to do. i, , i, i, i, the dreadful 'ob they sometimes have to do. i, i, i, i to do. there are some amazing police officers, to do. there are some amazing police officers. some —

to do. there are some amazing police officers, some spectacular— to do. there are some amazing police officers, some spectacular police - officers, some spectacular police officers _ officers, some spectacular police officers within policing, without a shadow _ officers within policing, without a shadow of— officers within policing, without a shadow of a doubt. however, what we have to _ shadow of a doubt. however, what we have to focus — shadow of a doubt. however, what we have to focus on is making sure that the vetting — have to focus on is making sure that the vetting processes within policing _ the vetting processes within policing are appropriate and professional, that all police officers _ professional, that all police officers come out professionally dressed. — officers come out professionally dressed, appropriate in terms of the way they— dressed, appropriate in terms of the way they deal with members of the public _ way they deal with members of the public i_ way they deal with members of the public. i was proud to serve as a police _ public. i was proud to serve as a police officer, and i would go back and serve — police officer, and i would go back and serve all over again. what i will say— and serve all over again. what i will say is. _ and serve all over again. what i will say is, some of those rotten apples _ will say is, some of those rotten apples within policing are what tarnish — apples within policing are what tarnish policing across the whole of the board. — tarnish policing across the whole of the board, there have been some spectacularly awful scandals, you've -ot spectacularly awful scandals, you've got wayne _ spectacularly awful scandals, you've got wayne couzens, david carrick mother— got wayne couzens, david carrick mother metropolitan police... you're absolutely right. _ mother metropolitan police... you're absolutely right. but _ mother metropolitan police... you're absolutely right. but thank _ mother metropolitan police... you're absolutely right. but thank you, - absolutely right. but thank you, first and, for being on with us this morning. and thank you to those who contacted us that we managed to speak to and those that we didn't, all important. we are going to talk about something else now, something so important.

mortgages, are you coping? hsbc�*s become the latest big lender to withdraw is mortgage products as it raises its rates to reflect the higher cost of borrowing. interest rates are not going down any time soon. it follows halifax, nationwide, santander and tsb all raising their rates in the past week. barclays, natwest, virgin money and nationwide have all put their deals up in the past month. around 116,000 households will come off fixed rates this month. it is going to be paid out every month, ongoing. many people will be in for a shock when they calculate the monthly repayments. it is a 3am alarm. you wake up in the middle of the night, it is the thing you think

of, don't go back to sleep again. if yourfix is coming of, don't go back to sleep again. if your fix is coming to of, don't go back to sleep again. if yourfix is coming to an end, are yourfix is coming to an end, are you beginning to worry? have your payments already gone up? how much by? and how are you coping? landlords and tenants, this will affect you too. we heard a warning yesterday that higher mortgages will lead to higher rental prices. mortgage rises — can you cope? it would be great to hear from you on that. now the news. a boy who died, after being followed by police on his e—bike, has been named locally as 15—year—old saul cookson. traffic officers followed the teen yesterday afternoon in salford until bollards blocked their vehicle's path. the boy collided with an ambulance,

which was moving at the time according to the north west ambulance service but was not responding to an emergency call. the independent office for police conduct is investigating. the chief inspector of constabulary for england and wales is warning public trust in police forces is hanging by a thread. andy cooke says his watchdog should be given back its role in the selection and appointment of chief constables. labour has scaled back on its spending pledge for green industry investment, if it wins the next general election. in 2021, the party promised to invest £28 billion a year. the shadow chancellor, rachel reeves, has told the bbc she now planned to scale up investment over time to meet that target. toilet roll, butter and ketchup are more expensive in the uk compared to some of our biggest european neighbours, according to research for the bbc. but the uk is the cheapest for nappies and frozen pizza.

are you coping with mortgage rises? it is an experience that we all have. talking for a friend sitting in the queue waiting to speak to a human being, looking to find out what the new rates will be when your fixed rate comes to an end, pricing options, being offered the chance to e—mail them and ask your question, no, want to speak to someone. you get to the person, they are good, working hard, inundated as well, cannot tell you that much because they say, things will change again, and again. there will be this and that, that is a possibility as well, lots of deals coming to an end, mortgages seeming to soar at the

moment, your mortgage, can you cope? director of r3 mortgages. let me go to a call first off, miranda, what would you like to say? i to a call first off, miranda, what would you like to say?— to a call first off, miranda, what would you like to say? i am 64, i have had to _ would you like to say? i am 64, i have had to extend _ would you like to say? i am 64, i have had to extend the _ would you like to say? i am 64, i have had to extend the period i would you like to say? i am 64, i have had to extend the period of| would you like to say? i am 64, i i have had to extend the period of my mortgage because my husband who was seven years younger died last august. i seven years younger died last au i ust. i. seven years younger died last auiust. i, , i, seven years younger died last auiust. i, , seven years younger died last august-_ at - seven years younger died last august._ at the | seven years younger died last - august._ at the time august. i am so sorry. at the time of his death. _ august. i am so sorry. at the time of his death, the _ august. i am so sorry. at the time of his death, the mortgage - august. i am so sorry. at the time of his death, the mortgage was i august. i am so sorry. at the time - of his death, the mortgage was £330, now 500 i say no, i haven't checked how much it has gone up by today, i am 64, i work 12 hour shifts as a nurse, the prospect is now i have to do that until i am 70 and i don't know if i can. if i am off sick, i get statutory sick pay. at some point, it is very possible i will

not be able to pay the mortgage and i will be left homeless. my point isn't a sob story, there are people in much worse positions, i understand that. my point is the primary function of government is to run the economy, not to tell us what to eat and drink, not to stand on a platform saying, the british public want... that infuriates me. they waste money left and centre, hs2, covid ppe, step back, allow these things to happen. i am not an economist but i don't understand how increasing interest rates reduces inflation because it increases the price we have to pay for everything, things as basic as our homes. you are saying — things as basic as our homes. you are saying what — things as basic as our homes. you are saying what some economists say. you may not be an economist, but what you have just that is what some economists say, they do not agree. a good few actually agree with you on that. it is on top of everything

else. that is the thing, isn't it? exactly. i work full time, i else. that is the thing, isn't it? exactly. iwork full time, i have worked full time all of my life, i am in the position now where there are little luxuries, i don't have world cruises, champagne on tap, little things, but i can't have them any more. it is not a sob story, there are people much worse off me. absolutely. i there are people much worse off me. absolutel . i, ~i there are people much worse off me. absolutel . i, «i i, there are people much worse off me. absolutel . i, ,, i, i, , absolutely. i work and pay taxes. not a single _ absolutely. i work and pay taxes. not a single mp _ absolutely. i work and pay taxes. not a single mp in _ absolutely. i work and pay taxes. not a single mp in this _ absolutely. i work and pay taxes. not a single mp in this country i absolutely. i work and pay taxes. i not a single mp in this country who is worried about losing their home because they cannot afford to pay the mortgage. there is not one. we don't know that. there _ the mortgage. there is not one. we don't know that. there seems - the mortgage. there is not one. we don't know that. there seems no i don't know that. there seems no understanding — don't know that. there seems no understanding of _ don't know that. there seems no understanding of that _ don't know that. there seems no understanding of that when - don't know that. there seems no i understanding of that when people stand up on platforms and make their pronouncements. there seems no real empathy with people living that... i will not say ordinary people, i hate that expression. like will not say ordinary people, i hate that expression.—

will not say ordinary people, i hate that expression. like normal people. the don't that expression. like normal people. they don't understand _ that expression. like normal people. they don't understand the _ that expression. like normal people. they don't understand the kick- that expression. like normal people. they don't understand the kick in - they don't understand the kick in the guts at the moment for a lot of people as this unfolds. i will come back to you. helen, in bakewell, i will be with you, riz, let us get the call is on. helen, in bakewell. how worrying is this for you? incredibly, incredibly. we had a fixed _ incredibly, incredibly. we had a fixed mortgage rate for two years, locked _ fixed mortgage rate for two years, locked in _ fixed mortgage rate for two years, locked in at one point to 3%, we started — locked in at one point to 3%, we started the _ locked in at one point to 3%, we started the remortgage application, due to _ started the remortgage application, due to expire second september, when they came _ due to expire second september, when they came back with the numbers, i was completely shocked. what they are currently saying is the jump will go — are currently saying is the jump will go from currently £1600 a month to £2900 _ will go from currently £1600 a month to £2900 a _ will go from currently £1600 a month to £2900 a month. 120% increase in monthly— to £2900 a month. 120% increase in

monthly payments. when i phoned up santander— monthly payments. when i phoned up santander who are the provider, they were completely unwilling to allow us to move more of the balance onto interest— us to move more of the balance onto interest only — us to move more of the balance onto interest only try to make the payments more affordable, without any reat— payments more affordable, without any real explanation as to why. for me, any real explanation as to why. for me. that _ any real explanation as to why. for me. that ism _ any real explanation as to why. for me, that is... the mortgage payment alone _ me, that is... the mortgage payment alone is— me, that is... the mortgage payment alone is two— me, that is... the mortgage payment alone is two thirds of my entire salary— alone is two thirds of my entire salary and _ alone is two thirds of my entire salary and with all of the other costs— salary and with all of the other costs increasing, it is terrifying, to be _ costs increasing, it is terrifying, to be honest. costs increasing, it is terrifying, to be honest-— to be honest. what is going to ha-ien? to be honest. what is going to happen? i— to be honest. what is going to happen? i have _ to be honest. what is going to happen? i have a _ to be honest. what is going to happen? i have a partner- to be honest. what is going to happen? i have a partner butl to be honest. what is going to happen? i have a partner but i to be honest. what is going to - happen? i have a partner but i have two children — happen? i have a partner but i have two children who _ happen? i have a partner but i have two children who are _ happen? i have a partner but i have two children who are not _ happen? i have a partner but i have two children who are not his, - happen? i have a partner but i have two children who are not his, i - happen? i have a partner but i have two children who are not his, i am i two children who are not his, i am effectively — two children who are not his, i am effectively a — two children who are not his, i am effectively a single mum, and one of my children — effectively a single mum, and one of my children has additional needs, she is— my children has additional needs, she is in— my children has additional needs, she is in a — my children has additional needs, she is in a fee—paying school, it is a choice _ she is in a fee—paying school, it is a choice for— she is in a fee—paying school, it is a choice for me between taking her out of— a choice for me between taking her out of that— a choice for me between taking her out of that school environment where

is she _ out of that school environment where is she is— out of that school environment where is she is able to achieve what i want _ is she is able to achieve what i want her— is she is able to achieve what i want her to achieve but i might have to take _ want her to achieve but i might have to take her_ want her to achieve but i might have to take her out. i am very worried about— to take her out. i am very worried about the — to take her out. i am very worried about the damage that will do. 0r to take her out. i am very worried about the damage that will do. or we have to _ about the damage that will do. or we have to try— about the damage that will do. or we have to try and sell. to be honest, what _ have to try and sell. to be honest, what i _ have to try and sell. to be honest, what i am — have to try and sell. to be honest, what i am told is the market is also in trouble. — what i am told is the market is also in trouble, the housing market. so whether— in trouble, the housing market. so whether it — in trouble, the housing market. so whether it is actually achievable, it could _ whether it is actually achievable, it could mean we are stuck with unaffordable mortgage payments in september. unaffordable mortgage payments in se-tember. , i, , unaffordable mortgage payments in se-tember. . i, , , unaffordable mortgage payments in se-tember. , i, , september. gemma is with us as well. finish, september. gemma is with us as well. finish. helen. — september. gemma is with us as well. finish, helen, sorry. _ september. gemma is with us as well. finish, helen, sorry. i— september. gemma is with us as well. finish, helen, sorry. ijust— september. gemma is with us as well. finish, helen, sorry. ijust think- finish, helen, sorry. i 'ust think it is... i finish, helen, sorry. i 'ust think it is... wash finish, helen, sorry. i 'ust think it is... i was shocked. _ finish, helen, sorry. ijust think it is... i was shocked. maybe i finish, helen, sorry. ijust think it is... iwas shocked. maybe i i it is... i was shocked. maybe i should — it is... i was shocked. maybe i should have _ it is... i was shocked. maybe i should have been more prepared and trying _ should have been more prepared and trying to— should have been more prepared and trying to get a remortgage application six months prior, but what _ application six months prior, but what we — application six months prior, but what we are seeing is they found a product _ what we are seeing is they found a product that would have been slightly— product that would have been slightly more affordable, only to 2700. _ slightly more affordable, only to 2700, more affordable, but it was withdrawn — 2700, more affordable, but it was withdrawn overnight. the options are becoming _ withdrawn overnight. the options are becoming more and more difficult to

find because the banks seem to be withdrawing products. ithink find because the banks seem to be withdrawing products. i think it is 'ust withdrawing products. i think it is just squeezing people. from what i heari _ just squeezing people. from what i hear. more — just squeezing people. from what i hear, more products were withdrawn last night _ hear, more products were withdrawn last night. which means again people are facing _ last night. which means again people are facing more increases. its last night. which means again people are facing more increases.— are facing more increases. as you sa and are facing more increases. as you say and as — are facing more increases. as you say and as miranda _ are facing more increases. as you say and as miranda says, - are facing more increases. as you say and as miranda says, loads i are facing more increases. as you i say and as miranda says, loads and loads of people affected and it is all relative, sure, but no one who has a mortgage is unaffected by this. gemma in chillingham to stop for some people, just a nightmare. gemma, are you coping? —— gemma in gillingham. i gemma, are you coping? -- gemma in gilliniham. i. gemma, are you coping? -- gemma in gilliniham. i, i i, , gemma, are you coping? -- gemma in gilliniham. i, ii,, i, gillingham. i am coping at the moment because _ gillingham. i am coping at the moment because it _ gillingham. i am coping at the moment because it has - gillingham. i am coping at the moment because it has not i gillingham. i am coping at the i moment because it has not gone gillingham. i am coping at the - moment because it has not gone up yet but it is going to. our mortgage deal ends at the end of october. we are looking at the moment of it going from just over £850 a month up to around £1300 a month. 50% increase on your mortgage, i defy most people to cope with that

without losing a significant quality of life. we are looking at the moment of what we are going to have to change, what we are going to have to change, what we are going to have to cut back. trying to find that amount of money in our budget at the moment, they are not small cutbacks, they are significant things we are going to have to reconsider. one of the previous caller said, you feel like you are doing everything right, my husband and i both work full—time, we have two small children, we feel like we are doing the right things, going to work, not reliant on anything. but we are reliant on anything. but we are reliant on anything. but we are reliant on family for child care because we cannot afford to pay for childcare, we cannot afford after—school clubs, child minders. we have to work around that. this just is... it feels like it will be

unmanageable. just is. .. it feels like it will be unmanageable.— just is... it feels like it will be unmanageable. time for you, riz. what about _ unmanageable. time for you, riz. what about gemma, _ unmanageable. time for you, riz. what about gemma, miranda, - unmanageable. time for you, riz. - what about gemma, miranda, helen? so whatabout gemma, miranda, helen? so many other people listening and watching. it is a nightmare. where are we going with it?— are we going with it? nicky, my heart goes _ are we going with it? nicky, my heart goes out _ are we going with it? nicky, my heart goes out to _ are we going with it? nicky, my heart goes out to miranda, - are we going with it? nicky, my i heart goes out to miranda, helen are we going with it? nicky, my - heart goes out to miranda, helen and gemma with the stories they have told us about their personal circumstances. unfortunately for the time being, i am circumstances. unfortunately for the time being, iam not circumstances. unfortunately for the time being, i am not expecting any major improvements. for the last couple of weeks, it has been especially volatile in the mortgage market and the main reason for that, we had a drop of inflation which most people should be up in arms and celebrating, but for the markets, that wasn't sufficient. their production of the future movement of the bank of england base rate was higher than the 5% that many people have thought of. as a result, in the money markets, the outlook for two and five year money used to price

fixed rates has increased. that is what is feeding into the market at the moment and that is what we are seeing within the broker community. i don't think it will change any time soon. the main issue we have got and i think gemma touched on it previously, we have got lenders pulling deals from the market with very short notice periods. it is not uncommon for us to get an e—mail at three o'clock in the afternoon saying, we are pulling our rates, the deals have to be in by five o'clock. not physically achievable for us to get in a tranche of applications if we have clients we want to get in on that rate in that period of time. with us in terms of the broker community making up a very large proportion of application submitted to lenders, we have got together and we are asking lenders together and we are asking lenders to pledge to give us at least 24 hours notice if they are going to pull the rates so we can get our applications in and get the best

outcomes for our clients. that is a 24—hour pledge we are moving within our own intermediary market and we are hoping lendersjoin the conversation because it cannot go on. £31 conversation because it cannot go on. ii, , conversation because it cannot go on, , i, , conversation because it cannot go on. , i, , i, conversation because it cannot go on. , , on. of course lots of people saying, as they always _ on. of course lots of people saying, as they always do, _ on. of course lots of people saying, as they always do, we _ on. of course lots of people saying, as they always do, we had - on. of course lots of people saying, as they always do, we had it - on. of course lots of people saying, as they always do, we had it too - as they always do, we had it too good for too long. you should think back to the 80s when interest rates were 8—9%, got higher than that, didn't it? but it is different because then of course the value of your house as compared with your earnings was very different. you have hit the _ earnings was very different. you have hit the nail— earnings was very different. you have hit the nail on _ earnings was very different. iii, have hit the nail on the head. whenever i hear people say, we have had interest rates in the double digits, ifully had interest rates in the double digits, i fully understand that, had interest rates in the double digits, ifully understand that, but as you said very eloquently, the proportion of your income it took to buy the property was not the same as it is at the moment. we have seen such steep increase in the base rate within such a short period of time

consecutively, there has been no time to breathe. the next bank of england base rate meeting is on the 22nd ofjune i believe and if as anticipated rates might increase further, this cycle isjust anticipated rates might increase further, this cycle is just going to keep on going on. it is going to be the consumers at the end of the day who will be the ones faced with higher payments.— who will be the ones faced with higher payments. who will be the ones faced with hiiher ia ments. i, , higher payments. yeah. helen is with us, higher payments. yeah. helen is with us. miranda. — higher payments. yeah. helen is with us, miranda, gemma, _ higher payments. yeah. helen is with us, miranda, gemma, let— higher payments. yeah. helen is with us, miranda, gemma, let me - higher payments. yeah. helen is with us, miranda, gemma, let me check. higher payments. yeah. helen is with i us, miranda, gemma, let me check out some texts as well in a second. the late great mystic meg, where are we going to be in a year's time? the outlook for _ going to be in a year's time? tie: outlook for inflation still from the bank of england forecast, i attended a meeting by a bank of england representative a few weeks ago, the outlook was still inflation would come down, hopefully the august figures the decrease in energy prices will be baked into that, so we will start seeing a retraction.

but the thing is, nicky, notjust a decrease in inflation we need, the recent change showed us it is the percentage and people's perception about how much rates will change and what rates may be in the future. people today are paying mortgage rates on what the expectation is of something not what it is going to be and that is what is causing the problem and volatility in the market at the moment. tam problem and volatility in the market at the moment.— at the moment. tom and chapman, hello. at the moment. tom and chapman, hello- hello- _ at the moment. tom and chapman, hello. hello. give— at the moment. tom and chapman, hello. hello. give us— at the moment. tom and chapman, hello. hello. give us some - at the moment. tom and chapman, hello. hello. give us some figures i hello. hello. give us some figures -- in cheltenham. _ hello. hello. give us some figures -- in cheltenham. we _ hello. hello. give us some figures -- in cheltenham. we had - hello. hello. give us some figuresj -- in cheltenham. we had enough hello. hello. give us some figures - -- in cheltenham. we had enough for a ear an -- in cheltenham. we had enough for a year ago for — -- in cheltenham. we had enough for a year ago for 1.79%. _ -- in cheltenham. we had enough for a year ago for 1.79%. now _ -- in cheltenham. we had enough for a year ago for 1.7996. now we - -- in cheltenham. we had enough for a year ago for 1.7996. now we are - a year ago for 1.79%. now we are being — a year ago for 1.79%. now we are being offered nearly 6% after having to remove _ being offered nearly 6% after having to remove spray foam government funded — to remove spray foam government funded in _ to remove spray foam government funded in the first place. the phone stuff in the cavity _ funded in the first place. the phone stuff in the cavity wall? _ funded in the first place. the phone stuff in the cavity wall? in - funded in the first place. the phone stuff in the cavity wall? in the - stuff in the cavity wall? in the roof -- spray _

stuff in the cavity wall? in the roof -- spray foam. _ stuff in the cavity wall? in the roof -- spray foam. the - stuff in the cavity wall? in the - roof -- spray foam. the surveyors roof —— spray foam. the surveyors have _ roof —— spray foam. the surveyors have said — roof —— spray foam. the surveyors have said the _ roof —— spray foam. the surveyors have said the property cannot be underwritten. it is a time bomb people — underwritten. it is a time bomb people will not be aware of coming off fixed _ people will not be aware of coming off fixed rates.— off fixed rates. what will it mean to ou off fixed rates. what will it mean to you financially? _ off fixed rates. what will it mean to you financially? a _ off fixed rates. what will it mean to you financially? a couple - off fixed rates. what will it mean to you financially? a couple of. to you financially? a couple of thousand _ to you financially? a couple of thousand pounds _ to you financially? a couple of thousand pounds a _ to you financially? a couple of thousand pounds a month - to you financially? a couple of. thousand pounds a month extra. to you financially? a couple of- thousand pounds a month extra. we are quite _ thousand pounds a month extra. we are quite fortunate in the salaries we have — are quite fortunate in the salaries we have. yeah, it is challenging. we have a _ we have. yeah, it is challenging. we have a two—month—old. it is going to mean _ have a two—month—old. it is going to mean some — have a two—month—old. it is going to mean some really hard decisions over the next _ mean some really hard decisions over the next couple of years. what mean some really hard decisions over the next couple of years.— the next couple of years. what kind of decisions? _ the next couple of years. what kind of decisions? whether _ the next couple of years. what kind of decisions? whether wife - the next couple of years. what kind of decisions? whether wife goes i the next couple of years. what kind i of decisions? whether wife goes back to work, whether _ of decisions? whether wife goes back to work, whether she _ of decisions? whether wife goes back to work, whether she stays _ of decisions? whether wife goes back to work, whether she stays at - of decisions? whether wife goes back to work, whether she stays at home i to work, whether she stays at home to work, whether she stays at home to look— to work, whether she stays at home to look after their daughter instead of going _ to look after their daughter instead of going to nursery, holidays will be off— of going to nursery, holidays will be off the — of going to nursery, holidays will be off the table certainly, all of those _ be off the table certainly, all of those sorts of things. it will impact _ those sorts of things. it will impact livelihoods. if things get much _ impact livelihoods. if things get much worse, it will be having to downsize — much worse, it will be having to downsize the property eventually. helen. _ downsize the property eventually. helen, are you still with us? yes, i am. helen, are you still with us? yes, i am- loads—

helen, are you still with us? yes, i am- loads of— helen, are you still with us? yes, i am. loads of people, _ helen, are you still with us? yes, i am. loads of people, whether- helen, are you still with us? yes, i j am. loads of people, whether they are on the income _ am. loads of people, whether they are on the income scale _ am. loads of people, whether they are on the income scale making i are on the income scale making choices about this, lower down the income scale, it is horrendous, but as we heard, from miranda, difficult for yourself as well, difficult for miranda, you might have to move, massive decisions.— massive decisions. yeah, massive decisions- — massive decisions. yeah, massive decisions- the _ massive decisions. yeah, massive decisions. the problem _ massive decisions. yeah, massive decisions. the problem is, - massive decisions. yeah, massive decisions. the problem is, i- massive decisions. yeah, massive decisions. the problem is, i am i massive decisions. yeah, massive i decisions. the problem is, i am also fortunate in that i have a reasonable salary, but the problem is, you make commitments based on salary and you cannot necessarily just easily wriggle out of them. the decision we made to buy the house was made on the basis of mortgage rates at the time. that was affordable for us. with the increase, it takes us into the unaffordable category. the only option is to try and make cutbacks elsewhere but those cutbacks are also hard, hard for your children, hard for you, so the quality of life we might have had two years ago is

not going to be the same. i think it is... i cannot even imagine what it must be like on lower incomes, it must be like on lower incomes, it must be like on lower incomes, it must be horrendous. like i say, we are looking at going to one car, private school may not be an option now, certainly like your other guest said, holidays certainly off. there has to be cutbacks. quality of life massively different to what we have been used to. massively different to what we have been used to-_ massively different to what we have been used to. danielle and andrew, hello, been used to. danielle and andrew, hello. daniel. _ been used to. danielle and andrew, hello, daniel, andrew, _ been used to. danielle and andrew, hello, daniel, andrew, our- been used to. danielle and andrew, l hello, daniel, andrew, our mortgage broker, welcome. hello, all. with you in a second, daniel. what are people saying to you, andrew? groundhog day for us as brokers at the moment, we are having the same conversations over and over again and people — conversations over and over again and people are asking us, what will happen— and people are asking us, what will happen to — and people are asking us, what will happen to interest rates? are they

going _ happen to interest rates? are they going to _ happen to interest rates? are they going to go back down to 1.5%? there are people _ going to go back down to 1.5%? there are people better paid than me who cannot— are people better paid than me who cannot even answer those questions. ithink— cannot even answer those questions. i think one _ cannot even answer those questions. i think one thing is for sure, we are at— i think one thing is for sure, we are at a — i think one thing is for sure, we are at a level now where we have mortgage — are at a level now where we have mortgage rates, fixed rates, 4.5%, ”p mortgage rates, fixed rates, 4.5%, up to— mortgage rates, fixed rates, 4.5%, up to 5%. _ mortgage rates, fixed rates, 4.5%, up to 5%, just over 5%, i think we have _ up to 5%, just over 5%, i think we have to _ up to 5%, just over 5%, i think we have to be — up to 5%, just over 5%, i think we have to be prepared for the fact that is— have to be prepared for the fact that is where they will stay and remain— that is where they will stay and remain at— that is where they will stay and remain at those levels for many years _ remain at those levels for many years to — remain at those levels for many years to come. we only had historically low interest rates and mortgage rates because of the credit crunch— mortgage rates because of the credit crunch in— mortgage rates because of the credit crunch in 2007—2008. then we had the whole _ crunch in 2007—2008. then we had the whole brexit— crunch in 2007—2008. then we had the whole brexit shenanigans going on and covid. — whole brexit shenanigans going on and covid, the government and bank of england _ and covid, the government and bank of england stepped in and kept interest— of england stepped in and kept interest rates low to keep the economy— interest rates low to keep the economy ticking over.- interest rates low to keep the economy ticking over. some people mentioned liz _ economy ticking over. some people mentioned liz truss, _ economy ticking over. some people mentioned liz truss, other- economy ticking over. some people mentioned liz truss, other people | mentioned liz truss, other people say it has had no effect, or the effects are over, some say it has

had a profound effect, you make your choice on that... quite right to say that, andrew, you know better than i do, loads of factors. i was looking at in the course of my research some fixed rates and i was speaking to one particular company yesterday, they were saying it will be come november, we don't know, right now, it would be 6.499.— it would be 6.499. potentially. aiain, it would be 6.499. potentially. again. nobody _ it would be 6.499. potentially. again, nobody knows, - it would be 6.499. potentially. again, nobody knows, but - it would be 6.499. potentially. again, nobody knows, but we | it would be 6.499. potentially. - again, nobody knows, but we have to look may be historically backed over time, before 2008, mortgage rates were at a similar level as to where they are now, that is historically where they have been, and i am really sympathetic, really sympathetic to anyone with big mortgages trying to remortgage at the moment, we having lots of conversations with clients how they can look to make cost savings, how to make everything affordable, this

is a really unpopular view, but responsibility has to be taken by people when they take out mortgages. i could look at a lot of our clients who we have helped over the last few years, they have wanted to buy nice big house, four bedroom detached house, it has cost them £400,000, £500,000, they knew they could afford it at the time, but the conversation as a broker community, if mortgage rates increase, increased by 1%, 2%, 3%, 4%, 5%, this is what you could potentially be repaying. that is documented for people who take out mortgages. did ou people who take out mortgages. did you say that to people at the time? you absolutely have to. it is you say that to people at the time? you absolutely have to.— you absolutely have to. it is not ioiin to you absolutely have to. it is not going to be _ you absolutely have to. it is not going to be like _ you absolutely have to. it is not going to be like this _ you absolutely have to. it is not going to be like this forever, i going to be like this forever, madam, did you say that? absolutely. we have a responsibility _ madam, did you say that? absolutely. we have a responsibility as _

we have a responsibility as professionals who are regulated by the financial conduct authority to be very clear with clients. this is also documented by the lenders when they produce mortgage illustrations and offers and by ourselves as the broker community. i want that house, i want that really big house. a lot of the times, they are deaf to the conversations we have with them when we say, if mortgage rates go up to this, can you afford it? current salary, joint current salary, £60,000, £70,000, fine mortgage repayments at the moment £700 a month, if they go up to £1200 a month, if they go up to £1200 a month, can you afford it? yeah, we can afford it, pay increases, this will happen, that will happen. it is difficult. i do feel there is quite a lot of people may be not listen to the advice as clearly as they should have done. is the advice as clearly as they should have done. . i. i. the advice as clearly as they should have done-— have done. is that fair comment, riz? i have done. is that fair comment, riz? i agree _ have done. is that fair comment, riz? i agree with _ have done. is that fair comment, riz? i agree with a _

have done. is that fair comment, riz? i agree with a few— have done. is that fair comment, riz? i agree with a few things i have done. is that fair comment, | riz? i agree with a few things and we were saying- _ riz? i agree with a few things and we were saying. however, - riz? i agree with a few things and we were saying. however, i - riz? i agree with a few things and we were saying. however, i refer| we were saying. however, i refer back— we were saying. however, i refer back to _ we were saying. however, i refer back to the — we were saying. however, i refer back to the points, 2008, we have had to— back to the points, 2008, we have had to some extent the lowest interest — had to some extent the lowest interest rates we have ever seen and it is not— interest rates we have ever seen and it is not the — interest rates we have ever seen and it is not the increase the number of clients _ it is not the increase the number of clients have — it is not the increase the number of clients have an issue with, it is the rate — clients have an issue with, it is the rate of— clients have an issue with, it is the rate of increase. had interest rates _ the rate of increase. had interest rates gone — the rate of increase. had interest rates gone up in stages and people could _ rates gone up in stages and people could accommodate, fair enough. it is going _ could accommodate, fair enough. it is going from the likes of 0.5%, 1%, up is going from the likes of 0.5%, 1%, upto— is going from the likes of 0.5%, 1%, up to 4%. _ is going from the likes of 0.5%, 1%, up to 4%, such a short period of timei _ up to 4%, such a short period of time. that— up to 4%, such a short period of time. that is— up to 4%, such a short period of time, that is the main issue. in isolation. — time, that is the main issue. in isolation, we are also having energy bills that _ isolation, we are also having energy bills that have rocketed, food inflation _ bills that have rocketed, food inflation at 19.1%, so, yes, iagree with inflation at19.1%, so, yes, iagree with andrew— inflation at 19.1%, so, yes, iagree with andrew we give clients that information and we mention that, but we have _ information and we mention that, but we have a _ information and we mention that, but we have a perfect storm at the moment— we have a perfect storm at the moment where literally everything is not going _ moment where literally everything is not going in people's favour. i agree — not going in people's favour. i agree with some of his points, but i do think— agree with some of his points, but i do think we — agree with some of his points, but i do think we are in a unique situation _ do think we are in a unique situation.— do think we are in a unique

situation. i, «i , i, i, , situation. thank you. vanessa, danielle in _ situation. thank you. vanessa, danielle in brighton, _ situation. thank you. vanessa, danielle in brighton, what- situation. thank you. vanessa, danielle in brighton, what is. situation. thank you. vanessa, | danielle in brighton, what is on your mind? we danielle in brighton, what is on your mind?— danielle in brighton, what is on our mind? i i, , , , , your mind? we are first-time buyers, we are in a — your mind? we are first-time buyers, we are in a position _ your mind? we are first-time buyers, we are in a position where _ your mind? we are first-time buyers, we are in a position where our - we are in a position where our landlords are selling the property because they have gone to renew the mortgage and it will double for them, no longerfinancially mortgage and it will double for them, no longer financially viable for than to rent the property, so they have given us notice and we need to move out. taking that on board and a rise in interest rates for other potential landlords, only a matter of time if they choose to renew and keep rented property that the cost will be passed on to the renter themselves. the cost will be passed on to the renterthemselves. for the cost will be passed on to the renter themselves. for us, we have spoken to a local mortgage roca, given us good advice, received a decision in principle from halifax —— mortgage broker. compared to when we were looking a few years ago, the interest rates are almost double, but the advice we have been given is, as andrew said, don't max

yourself out, look at a property if things get worse you can afford to buy and make the repayments, but also financially viable for you in the event everything else carries on going. we will not be mixing ourselves out, we will be looking considerably lower, lower end of the scale, maybe with improvements that need to be made —— maxing. we will be investing rather than flushing the money down the drain. iii the money down the drain. in brighton... we are not looking in brighton, not financially viable to get a beach hut let alone a property. get a beach hut let alone a property-— get a beach hut let alone a ro.e _ i ., i, property. we have moved further afield because _ property. we have moved further afield because it _ property. we have moved further afield because it is _ property. we have moved further afield because it is a _ property. we have moved further afield because it is a little - property. we have moved further afield because it is a little more i afield because it is a little more financially viable, moving to up—and—coming areas as opposed to staying summer where costs are astronomical. bill staying summer where costs are astronomical-— astronomical. all the best, danielle- — astronomical. all the best, danielle. in _

astronomical. all the best, danielle. in ashford, - astronomical. all the best, j danielle. in ashford, matt, astronomical. all the best, - danielle. in ashford, matt, how is this hitting you?— this hitting you? hitting me very hard in the _ this hitting you? hitting me very hard in the pocket. _ this hitting you? hitting me very hard in the pocket. i _ this hitting you? hitting me very hard in the pocket. i bought - this hitting you? hitting me very hard in the pocket. i bought a i hard in the pocket. i bought a property— hard in the pocket. i bought a property 12 years ago and i took it on interest— property 12 years ago and i took it on interest only which has never been _ on interest only which has never been a _ on interest only which has never been a problem, never intended to be in my— been a problem, never intended to be in my lifetime property, but my mortgage — in my lifetime property, but my mortgage has gone up, i took a massive — mortgage has gone up, i took a massive advantage of very low rates at the _ massive advantage of very low rates at the time. — massive advantage of very low rates at the time, it has gone up from a minimum— at the time, it has gone up from a minimum of— at the time, it has gone up from a minimum of £260 a month up to £980 this month _ minimum of £260 a month up to £980 this month. i i. minimum of £260 a month up to £980 this month. i i, i, , i, this month. what does it mean? luckil , this month. what does it mean? luckily. for _ this month. what does it mean? luckily, for me, _ this month. what does it mean? luckily, for me, i— this month. what does it mean? luckily, for me, i am _ this month. what does it mean? luckily, for me, i am fortunate i luckily, for me, i am fortunate enough — luckily, for me, i am fortunate enough to— luckily, for me, i am fortunate enough to be reasonably financially stable _ enough to be reasonably financially stable. following your other callers that you _ stable. following your other callers that you had, i have been listening fairly— that you had, i have been listening fairly carefully, when you have families — fairly carefully, when you have families with two, three children, huge _ families with two, three children, huge commitments, so on, these people _ huge commitments, so on, these people i_ huge commitments, so on, these people ijust feel so sorry for them — people ijust feel so sorry for them. there is no way forward for a lot of— them. there is no way forward for a lot of these — them. there is no way forward for a lot of these people. i am on

interest— lot of these people. i am on interest only. if you have a repayment, mine would have gone up significantly more than that with repayment as well. ijust think significantly more than that with repayment as well. i just think the government does not do enough to control— government does not do enough to control and — government does not do enough to control and help the situation because — control and help the situation because ultimately what is going to happen— because ultimately what is going to happen with people finishing fixed rates. _ happen with people finishing fixed rates. a _ happen with people finishing fixed rates, a large percentage cannot any longer— rates, a large percentage cannot any longer afford their mortgage. the fact is. _ longer afford their mortgage. the fact is, one of my neighbours, they are meant— fact is, one of my neighbours, they are meant to, i believe i am right in saying. — are meant to, i believe i am right in saying, the legal increase is 8% and i_ in saying, the legal increase is 8% and i have — in saying, the legal increase is 8% and i have had neighbours that rent houses _ and i have had neighbours that rent houses and — and i have had neighbours that rent houses and the landlords have said, if you _ houses and the landlords have said, if you want— houses and the landlords have said, if you want to stay in the house, it will rise _ if you want to stay in the house, it will rise more than 8%, we will put extra _ will rise more than 8%, we will put extra £400 — will rise more than 8%, we will put extra £400 on the rent because we cannot— extra £400 on the rent because we cannot afford to keep the house with the mortgage as it is. if not, we will have — the mortgage as it is. if not, we will have to _ the mortgage as it is. if not, we will have to sell. if landlords start — will have to sell. if landlords start to _ will have to sell. if landlords start to sell, the reality is, there will be _ start to sell, the reality is, there will be less— start to sell, the reality is, there will be less housing stock in the market — will be less housing stock in the market. the whole situation, creating _ market. the whole situation, creating a _ market. the whole situation, creating a huge issue that will end ”p creating a huge issue that will end up back— creating a huge issue that will end up back on— creating a huge issue that will end

up back on the government when people _ up back on the government when people are — up back on the government when people are made homeless, cannot afford _ people are made homeless, cannot afford homes, the government will have to _ afford homes, the government will have to start either paying more in housing _ have to start either paying more in housing benefit or start providing homes _ housing benefit or start providing homes for— housing benefit or start providing homes for people that have effectively been forced out because of the _ effectively been forced out because of the rates. | effectively been forced out because of the rates-— of the rates. i bet your bottom dollar if you — of the rates. i bet your bottom dollar if you did _ of the rates. i bet your bottom dollar if you did a _ of the rates. i bet your bottom dollar if you did a venn - of the rates. i bet your bottom l dollar if you did a venn diagram of the rates. i bet your bottom - dollar if you did a venn diagram you would find mortgages disproportionately make up floating voters, political point, extremely well made, and also not cheap in ashford either. vanessa in surbiton, it is... i was looking for a polite phrase, a nut quencher, the prices in surbiton. phrase, a nut quencher, the prices in surbiton— in surbiton. absolutely. renting would cost _ in surbiton. absolutely. renting would cost even _ in surbiton. absolutely. renting would cost even more _ in surbiton. absolutely. renting would cost even more than - in surbiton. absolutely. renting would cost even more than the l would cost even more than the mortgage currently. absolutely, our mortgage was £700 a

month— absolutely, our mortgage was £700 a month in— absolutely, our mortgage was £700 a month in march 2022, it is now 1700 a month _ month in march 2022, it is now 1700 a month and — month in march 2022, it is now 1700 a month, and they say it will go up again _ a month, and they say it will go up again and — a month, and they say it will go up again. and we are mortgage prisoners because _ again. and we are mortgage prisoners because my— again. and we are mortgage prisoners because my husband had throat cancer in 2021— because my husband had throat cancer in 2021 and _ because my husband had throat cancer in 2021 and it was grim, he couldn't work— in 2021 and it was grim, he couldn't work for— in 2021 and it was grim, he couldn't work for five — in 2021 and it was grim, he couldn't work for five months, he worked and paid taxes— work for five months, he worked and paid taxes solidly for 40 years, there _ paid taxes solidly for 40 years, there was— paid taxes solidly for 40 years, there was no help from anywhere for us, there was no help from anywhere for us. so _ there was no help from anywhere for us. so all— there was no help from anywhere for us. so all we — there was no help from anywhere for us, so all we could do was take a reduced — us, so all we could do was take a reduced payment on our mortgage, which _ reduced payment on our mortgage, which has _ reduced payment on our mortgage, which has wrecked our credit rating, we cannot— which has wrecked our credit rating, we cannot get a mortgage anywhere else, we cannot get a mortgage anywhere else. and — we cannot get a mortgage anywhere else, and our own company are not offering _ else, and our own company are not offering any— else, and our own company are not offering any new products, so we are stuck _ offering any new products, so we are stuck where — offering any new products, so we are stuck where we are, we can't move, house _ stuck where we are, we can't move, house prices— stuck where we are, we can't move, house prices apparently are going downi _ house prices apparently are going down. i_ house prices apparently are going down, i looked after my 83—year—old father— down, i looked after my 83—year—old father with _ down, i looked after my 83—year—old father with stage iv kidney failure in surbiton, he lives on his own, so it's difficult — in surbiton, he lives on his own, so it's difficult for us to move away for many— it's difficult for us to move away for many reasons, but that one particularly. and why should people like us _ particularly. and why should people like us be _ particularly. and why should people like us be forced to sell our homes and move —

like us be forced to sell our homes and move away when we have done nothing _ and move away when we have done nothing wrong? it is families like us that— nothing wrong? it is families like us that keep this country going. how is our us that keep this country going. how is your husband, _ us that keep this country going. firm is your husband, by the way? us that keep this country going. how is your husband, by the way? he's i is your husband, by the way? he's doini is your husband, by the way? he's doing well- _ is your husband, by the way? he's doing well. but _ is your husband, by the way? he's doing well. but again, _ is your husband, by the way? he's doing well. but again, another reason — doing well. but again, another reason why we... we don't want to move _ reason why we... we don't want to move away. — reason why we... we don't want to move away, he is seen by st george's hospital— move away, he is seen by st george's hospital every four months, still. i am a _ hospital every four months, still. i am a type — hospital every four months, still. i am a type i — hospital every four months, still. i am a type 1 diabetic, i have been under— am a type 1 diabetic, i have been under kingston hospital for 36 years — under kingston hospital for 36 years. we have many reasons why moving _ years. we have many reasons why moving away is not an option, even if we _ moving away is not an option, even if we wanted — moving away is not an option, even if we wanted to. find moving away is not an option, even if we wanted to.— if we wanted to. and you other bedrock of _ if we wanted to. and you other bedrock of this _ if we wanted to. and you other bedrock of this country, - if we wanted to. and you other| bedrock of this country, people if we wanted to. and you other- bedrock of this country, people like you. bedrock of this country, people like ou. i �* , i. �* bedrock of this country, people like ou.�* �* bedrock of this country, people like ou. i, you. we're, yeah. be people that work and pay _ you. we're, yeah. be people that work and pay taxes. _ you. we're, yeah. be people that work and pay taxes. it _ you. we're, yeah. be people that work and pay taxes. it should - you. we're, yeah. be people that work and pay taxes. it should not you. we're, yeah. be people that i work and pay taxes. it should not be allowed to happen. _ work and pay taxes. it should not be allowed to happen. no, _ work and pay taxes. it should not be allowed to happen. no, it _ allowed to happen. no, it shouldn't, it is really not _ allowed to happen. no, it shouldn't, it is really not fair. _ allowed to happen. no, it shouldn't, it is really not fair. everything - it is really not fair. everything 'ust it is really not fair. everything just has— it is really not fair. everything just has to _ it is really not fair. everything just has to gojust it is really not fair. everything just has to go just to pay your mortgage. and our mortgage was perfectly— mortgage. and our mortgage was perfectly affordable for us last year. — perfectly affordable for us last year, that was fine, but to go up by

£1000 _ year, that was fine, but to go up by £1000 in— year, that was fine, but to go up by £1000 in a — year, that was fine, but to go up by £1000 in a year, per month, and for it to be _ £1000 in a year, per month, and for it to be going — £1000 in a year, per month, and for it to be going up even more apparently, what are they expecting people _ apparently, what are they expecting people to _ apparently, what are they expecting people to do? who apparently, what are they expecting people to do?— people to do? who or what do you blame? i people to do? who or what do you blame? i don't _ people to do? who or what do you blame? i don't know, _ people to do? who or what do you blame? i don't know, really. - people to do? who or what do you i blame? i don't know, really. there's so many factors _ blame? i don't know, really. there's so many factors involved, _ blame? i don't know, really. there's so many factors involved, but - blame? i don't know, really. there's so many factors involved, but the i so many factors involved, but the point _ so many factors involved, but the point is. — so many factors involved, but the point is, there is no help for people — point is, there is no help for people like us, there is help for lots of— people like us, there is help for lots of other people, but when you're — lots of other people, but when you're married, you work, you pay your— you're married, you work, you pay your taxes. — you're married, you work, you pay your taxes, you buy your own home, there _ your taxes, you buy your own home, there is— your taxes, you buy your own home, there is absolutely nothing, not even _ there is absolutely nothing, not even in — there is absolutely nothing, not even in your diet times of need, when _ even in your diet times of need, when you've got cancer. it's not right. _ when you've got cancer. it's not right. any— when you've got cancer. it's not right. any help. i'm not even saying i right. any help. i'm not even saying i want _ right. any help. i'm not even saying i want £1000 a month in help, but you know— i want £1000 a month in help, but you know a — i want £1000 a month in help, but you know a couple of hundred month would _ you know a couple of hundred month would be _ you know a couple of hundred month would be a _ you know a couple of hundred month would be a help to get you through. and the same with when my husband had cancer. _ and the same with when my husband had cancer, but there isjust nothing _ had cancer, but there isjust nothing there, nothing there from anybody — nothing there, nothing there from anybody. it's shocking.—

anybody. it's shocking. vanessa, thank you. _ anybody. it's shocking. vanessa, thank you. i _ anybody. it's shocking. vanessa, thank you, i wish _ anybody. it's shocking. vanessa, thank you, i wish you _ anybody. it's shocking. vanessa, thank you, i wish you both - anybody. it's shocking. vanessa, thank you, i wish you both all. anybody. it's shocking. vanessa, | thank you, i wish you both all the best as well. riz, lots of people are asking, and here is a text which says it... i thought lenders were forced to make sure customers could afford payments if there was an interest rate rise, obviously lenders aren't doing the full checks, or customers are lying in applications, says andy in newcastle. it is a point about affordability checks, riz, are they being done, they been done properly? affordability checks, they definitely are, and even the people giving advice have to do affordability checks as well to make sure that the mortgages are affordable, but then conversely again as i was saying before, we are breaking into this completely different environment, don't not only do we have a hike in interest rates in a very short period of time, you have got 19% food inflation, you've got energy bills, hitting you, so that's why there needs to be some intervention in

this particular market, and that is going to come to south, we need to have a conversation openly with the lenders, we appreciate the position that they are in but they need to come to the table and see if we can work together to get the best outcomes for the clients, and conversely, we need some form of resolution or assistance or intervention from the government, because unless you've got monetary policy... is because unless you've got monetary ioli . i. because unless you've got monetary oli ., because unless you've got monetary policy... is an important point to iick policy. .. is an important point to iick u- policy... is an important point to pick up on. _ policy... is an important point to pick up on. in — policy... is an important point to pick up on, in what _ policy... is an important point to pick up on, in what way - policy... is an important point to pick up on, in what way should i policy... is an important point to i pick up on, in what way should the government intervene? what would that look like? est government intervene? what would that look like?— government intervene? what would that look like? i i, i, that look like? at the moment we are com-letel that look like? at the moment we are completely being _ that look like? at the moment we are completely being dictated _ that look like? at the moment we are completely being dictated to - that look like? at the moment we are completely being dictated to by - that look like? at the moment we are completely being dictated to by the i completely being dictated to by the interest rates and dictated to by the money markets, as to how people are pricing mortgages and how much people are paying. we need something from the government to look into how the pricing works, how quickly increases are priced and passed on to clients and also how quickly decreases will be given back to clients, that is the next important

topic i want to talk about. stick around, topic i want to talk about. stick around. riz. — topic i want to talk about. stick around, riz, it— topic i want to talk about. stick around, riz, it is— topic i want to talk about. stick around, riz, it is 10.35. - and we have got the news for you, with bethan holmes. thanks, nicky. a is—year—old boy who died in salford after being followed by traffic officers on his e—bike has been named locally as saul cookson. police followed him yesterday afternoon until bollards blocked their vehicles�* path. the boy then collided with a moving ambulance and according to north west ambulance service it was not responding to an active call at the time. the independent office for police conduct is investigating. the head of the police inspectorate for england and wales is warning that public trust in forces is "hanging by a thread". andy cooke argues he should have greater powers including the ability to order police forces to make changes when there are serious

public safety concerns. labour has scaled back on its pledge to invest £28 billion a year in green industries if it wins the next general election saying it needs to be "responsible" with the public finances. in 2021 labour promised to invest that amount until 2030. instead shadow chancellor rachel reeves says she would now ramp up investment over time. former us president donald trump has been charged over his handling of classified documents after he left the white house. us media reports that he faces seven charges including unauthorised retention of classified files. mr trump says he's innocent. but if convicted it carries a maximum io—yearjail term. a maximum ten—year jail term. shourjo has the sport. the turkish football federation has promised fans attending tomorrow's champions league final between manchester city and inter milan in istanbul that there won't be a repeat of the disorder which marred last

year's final in paris. officials say they are ready to host a safe and smooth event. ahead of the ashes series starting next week, australia batter steve smith has warned england that they will be a different proposition to the other sides they have swept aside over the past 12 months. england have won 11 of their past 13 tests in buccaneering fashion. australia are currently well on top against india in the final of the world test championship final. there's a blockbuster match—up to start off the men's semifinals at the french open tennis today. the 22—time grand slam champion novak djokovic faces the world number one carlos alcaraz. later, casper ruud will play alexander zverev in the other semi. and uk sport has pledged up to £150,000 to help uk athletics stage next month's diamond league meeting at the london stadium.

as house prices soar, come on mortgages soar, not house prices, they are going to go down 10% this year, the world burns, talking of which, a bit of news from the climate campaigner greta thunberg on her twitter account, she says, schools strike week, today i graduate from school which means i will no longer be able to school

strike for the climate, this is then the last school strike for me. when i started striking in 2018i could never have expected that it would lead to anything after striking every day for three weeks, we were a small group of children who decided to continue doing this every friday. seeing more peoplejoin and quite suddenly this was a global movement. i will continue to protest on fridays even though it is not technically school striking, we simply have no ever option than to do everything we possibly can, the fight has onlyjust begun. more on this on the bbc news website. and on 5 live as well. riz malik is with us, talking about mortgages with some sagacity, and kate is in eastbourne. hello, kate. how are ou? i eastbourne. hello, kate. how are you? i am — eastbourne. hello, kate. how are you? i am five. — eastbourne. hello, kate. how are you? i am five, what _ eastbourne. hello, kate. how are you? i am five, what a _ eastbourne. hello, kate. how are you? i am five, what a nightmare| you? i am five, what a nightmare this is for so _ you? i am five, what a nightmare this is for so many _ you? i am five, what a nightmare this is for so many people? - you? i am five, what a nightmare this is for so many people? just l you? i am five, what a nightmarei this is for so many people? just a bit. this is for so many people? just a bit- we've — this is for so many people? just a bit. we've been _ this is for so many people? just a bit. we've been quite _ this is for so many people? just a bit. we've been quite lucky - this is for so many people? just a bit. we've been quite lucky so - this is for so many people? just a bit. we've been quite lucky so far} bit. we've been quite lucky so far with our fixed rate bit. we've been quite lucky so far with ourfixed rate mortgage bit. we've been quite lucky so far with our fixed rate mortgage until the end of next year, but it looks

like if things don't improve our mortgage will be going up by about £600 or £700 next year. we have got a new baby, six months old, and is going to be starting nursery soon, and for two—and—a—half data week we are looking at about £600 a month, so it might get to the point where... i am so it might get to the point where... iam not so it might get to the point where... i am not quite sure where that will leave us next year. end where. .. i am not quite sure where that will leave us next year.- that will leave us next year. end of next year. — that will leave us next year. end of next year. did _ that will leave us next year. end of next year, did you _ that will leave us next year. end of next year, did you say? _ that will leave us next year. end of next year, did you say? yeah, - next year, did you say? yeah, october to _ next year, did you say? yeah, october to steer. _ next year, did you say? yeah, october to steer. so - next year, did you say? yeah, october to steer. so how - next year, did you say? yeah, october to steer. so how longi next year, did you say? yeah, l october to steer. so how long is next year, did you say? yeah, - october to steer. so how long is it fixed for? it _ october to steer. so how long is it fixed for? it was _ october to steer. so how long is it fixed for? it was five _ october to steer. so how long is it fixed for? it was five years, - october to steer. so how long is it fixed for? it was five years, so - october to steer. so how long is it fixed for? it was five years, so it l fixed for? it was five years, so it was a really _ fixed for? it was five years, so it was a really good _ fixed for? it was five years, so it was a really good rate _ fixed for? it was five years, so it was a really good rate but - fixed for? it was five years, so it i was a really good rate but probably not for much longer. we had a quick look at what it would be if we remortgaged now, and it is bleak, to say the least anger it might go down? we are hoping. but as i sat on my text when i texted in that we are already having to make cutbacks because of the cost of living

crisis, we can't afford to go on holiday, we can't afford to poke our daughter anywhere nice over the summer, we told our daughter that we are going to have to make cutbacks and she is trying to give us all her pocket money, bless her, she's only seven and she really wants to help us. her pocket money won't cover the cost of food, the cost of baby clothes, the cost of everything else that's going on. so it is a bit of a worry at the moment already. mi that's going on. so it is a bit of a worry at the moment already. all the best with that. _ worry at the moment already. all the best with that. what _ worry at the moment already. all the best with that. what is _ worry at the moment already. all the best with that. what is your - worry at the moment already. all the best with that. what is your fixed - best with that. what is your fixed rate at the moment? we best with that. what is your fixed rate at the moment?— best with that. what is your fixed rate at the moment? we are paying, i can't remember _ rate at the moment? we are paying, i can't remember what _ rate at the moment? we are paying, i can't remember what the _ rate at the moment? we are paying, i can't remember what the interest - can't remember what the interest rate is but i think it is about 2%, it's very low. and so we are paying about £900 a month. but like i said our nursery bills are going to be nearly the price of our mortgage, and that is just for 2.5 days a week. so it's going to be tricky. paul in newcastle, what would you like to say? hi.

paul in newcastle, what would you like to say?— like to say? hi, nicky, good morning- — like to say? hi, nicky, good morning- i _ like to say? hi, nicky, good morning. i am _ like to say? hi, nicky, good morning. i am a _ like to say? hi, nicky, good morning. i am a 60 - like to say? hi, nicky, good morning. i am a 60 plus, i like to say? hi, nicky, good morning. i am a 60 plus, at like to say? hi, nicky, good - morning. i am a 60 plus, at the end of my— morning. i am a 60 plus, at the end of mytime— morning. i am a 60 plus, at the end of my time now, recently moved from birmingham _ of my time now, recently moved from birmingham to south shields and realised — birmingham to south shields and realised that the prices up here are half price _ realised that the prices up here are half price compared to birmingham. and i_ half price compared to birmingham. and i remember back in 1988 that my mortgage _ and i remember back in 1988 that my mortgage was 15%, and people were very greedy and gazumping, i don't dunno_ very greedy and gazumping, i don't dunno if_ very greedy and gazumping, i don't dunno if your emma beddoes times. | dunno if your emma beddoes times. i do. and so history _ dunno if your emma beddoes times. i do. and so history is _ dunno if your emma beddoes times. i do. and so history is repeating - do. and so history is repeating itself in many _ do. and so history is repeating itself in many ways. _ do. and so history is repeating itself in many ways. people i do. and so history is repeating| itself in many ways. people got greedy~ — itself in many ways. people got greedy~ i— itself in many ways. people got greedy. i rememberat the itself in many ways. people got greedy. i remember at the time itself in many ways. people got greedy. i rememberat the time i bought— greedy. i rememberat the time i bought my— greedy. i rememberat the time i bought my house it was 45,000, about 15,000 _ bought my house it was 45,000, about 15,000 at _ bought my house it was 45,000, about 15,000 at the time, so three times my salary — 15,000 at the time, so three times my salary. and now people are going for five _ my salary. and now people are going for five times their salary, and it has for five times their salary, and it hasj'ust— for five times their salary, and it hasjust got ridiculous for five times their salary, and it has just got ridiculous and for five times their salary, and it hasjust got ridiculous and interest rates _ hasjust got ridiculous and interest rates were — hasjust got ridiculous and interest rates were never going to be staying low, were _ rates were never going to be staying low, were they, at 1% and 2%, never

going _ low, were they, at 1% and 2%, never going to _ low, were they, at 1% and 2%, never going to be — low, were they, at 1% and 2%, never going to be sustainable at that price? — going to be sustainable at that rice? �* ., , , . ,., going to be sustainable at that rice? ., , , . ., price? but house prices are of course much _ price? but house prices are of course much more _ price? but house prices are of course much more expensive | price? but house prices are of- course much more expensive now so it is different, these are different times and the gap between salary and the price of your house is very different from what it was back in the 15% days, so it is not quite like—for—like, is it but people are still greedy, and afraid. do you think it is agreed, or aspiration, wanting to have a lovely home for your family your future? but wanting to have a lovely home for your family your future?— your family your future? but it is not sustainable, _ your family your future? but it is not sustainable, nicky, - your family your future? but it is not sustainable, nicky, i- your family your future? but it is not sustainable, nicky, i am - your family your future? but it is not sustainable, nicky, i am at l your family your future? but it is i not sustainable, nicky, i am at the a-e not sustainable, nicky, i am at the age now— not sustainable, nicky, i am at the age now where i want the interest rates _ age now where i want the interest rates to— age now where i want the interest rates to be — age now where i want the interest rates to be slightly higher because i'm saving, so it isn't swings and roundabouts. you can understand people _ roundabouts. you can understand people want bigger houses and a fancy— people want bigger houses and a fancy lifestyle but it isjust not sustainable, is it? the

fancy lifestyle but it is 'ust not sustainable, is it?_ fancy lifestyle but it is 'ust not sustainable, is it? the saving point is a very salient _ sustainable, is it? the saving point is a very salient want _ sustainable, is it? the saving point is a very salient want to _ sustainable, is it? the saving point is a very salient want to make - sustainable, is it? the saving point is a very salient want to make as i is a very salient want to make as well. thanks, paul. louise in west yorkshire... well. thanks, paul. louise in west yorkshire---_ well. thanks, paul. louise in west yorkshire...- paul— well. thanks, paul. louise in west yorkshire. . .- paul says - well. thanks, paul. louise in west yorkshire. . .- paul says he i well. thanks, paul. louise in west yorkshire...- paul says he is| yorkshire... hello. paul says he is in his 60s— yorkshire... hello. paul says he is in his 60s and _ yorkshire... hello. paul says he is in his 60s and he's _ yorkshire... hello. paul says he is in his 60s and he's coming - yorkshire... hello. paul says he is in his 60s and he's coming to - in his 60s and he's coming to the end of his time, that has chilled me a bit! to [and louise, not real name, what's happening? 50. a bit! to land louise, not real name, what's happening? so, my husband and _ name, what's happening? so, my husband and i _ name, what's happening? so, my husband and i are _ name, what's happening? so, my husband and i are both _ name, what's happening? so, my- husband and i are both self-employed husband and i are both self—employed fairly recently, so we don't have any affordability history, and we are struggling to pay the mortgage at the moment. and when we have spoken to the bank, we have tried to arrange some sort of agreement with them, but theyjust arrange some sort of agreement with them, but they just won't do arrange some sort of agreement with them, but theyjust won't do it because of this lack of affordability history that we've got. and we have a reasonable amount of equity in our property so we could potentially sell and downsize and get a much smaller mortgage, but again we won't be offered a mortgage

because of the lack of affordability history. so we're completely stuck with where we are, and we will end “p with where we are, and we will end up going into arrears on a mortgage which will now affect our credit history. and itjust feels, you know, we have worked hard all our lives, and we are being in a position where my husband was made redundant, and due to his age, he is going to struggle to get another job, even though there is the age just relation act in place, it is still, employers will still choose somebody younger over him. so, we arejust struggling at somebody younger over him. so, we are just struggling at this moment in time and there is nothing we can do about it. we are just completely stuck. fits do about it. we are 'ust completely stuck. �* , . , do about it. we are 'ust completely stuck. a . ., stuck. as vanessa was saying earlier on, tive stuck. as vanessa was saying earlier on. give done _ stuck. as vanessa was saying earlier on, give done the _ stuck. as vanessa was saying earlier on, give done the right _ stuck. as vanessa was saying earlier on, give done the right thing, - on, give done the right thing, you've paid your taxes, you've worked hard, you're the bedrock of society, you're decent people in society, you're decent people in society, and now this. yeah, i mean,

we are typical middle—class working people, and like you say, we've done everything throughout our lives that we are supposed to do and now we are getting to the point where through no fault of our own, the best option for both of us was to be self—employed, we have set up a dog boarding business, and that is really successful, but we've only been running a couple of months, and then i've got my own self—employed work that i do. that has only been running 15 months, because there are so many hoops that you have to jump through and i appreciate having all of the regulations over finance but actually we are just completely stuck between a rock and a hard place and no—one is willing to help us, there is nothing we can do, we've applied for universal credit, which we have never done in our

lives, either of us, and even that isn't enough, and it isjust lives, either of us, and even that isn't enough, and it is just really, really difficult, and it causes a massive amount of stress. i will throw this on to you, riz, from louise there?— throw this on to you, riz, from louise there? so, with regards to louise there? so, with regards to louise at's _ louise there? so, with regards to louise at's point, _ louise there? so, with regards to louise at's point, i _ louise there? so, with regards to louise at's point, i don't - louise there? so, with regards to louise at's point, i don't know- louise there? so, with regards to. louise at's point, i don't know how long she has been self—employed, but nicky it is very important to remember that there are a number of lenders in this market, if you have gone to your specific lender and they are not being cooperative, or your circumstances have changed, remember, there are multiple lenders, all with different risk appetites, so for example again i don't know the situation but taking the self—employed, there are some lenders that we want you to have two or three years' worth of track record of being self—employed with the necessary financial information to back it, there are some lenders that even if you've got one years' worth of accounts will consider you. so again, you've got to remember we've got multiple lenders in this

market, by all means speak to your own lender but there are other people who are all targeting different niches, none of them just want to target a race to the bottom, they all have different niches and thatis they all have different niches and that is where knowing some information about what is available can be really useful. in a can be really useful. in a competitive _ can be really useful. in a competitive market, - can be really useful. in a competitive market, if i can be really useful. in a - competitive market, if you're looking around, if you have come to a point in your deal when you can take the exit, surely competition has to work then, there is going to be certain mortgage companies that will be lower, will have lower margins, but they will still make money? margins, but they will still make mone ? �* ., money? but let me tell you what the roblem money? but let me tell you what the problem is. — money? but let me tell you what the problem is. nicky. — money? but let me tell you what the problem is, nicky, if— money? but let me tell you what the problem is, nicky, if one _ money? but let me tell you what the problem is, nicky, if one lender - problem is, nicky, if one lender hikes rates, it is like a domino effect, others look at them and they don't want to be the last person left because if they do, they are going to get swamped with mortgage applications, so this is why if we do see people withdrawing from the market... �* , ., ., market... don't they want to get

swunt market... don't they want to get swung with _ market... don't they want to get swung with mortgage _ market... don't they want to get i swung with mortgage applications? there is only so much that they can cope with, a lot of them still have their teams working from home and there is a limit to what they can take. —— swamped. the issue is, some lenders, traditionally, will price upwards not only because rates have gone up but because they don't want to appear on the systems that we used to look at mortgage, they don't want to appear at the top. 50 if they have got a pipeline of business is that they are trying to manage through, they might hike up their rates so that they become less attractive, manage that pipeline and then release a more attractive product. going back to my last point, in the last couple of weeks we have seen a rise in the money markets for the outlooks for two years and five years, however, if that does change, if come the 22nd ofjune let's say the base rate of the bank of england remains where it is and there isn't an increase and the great start coming down, how quickly will those decreases be reflected in the products that are

available to my clients and brokers up available to my clients and brokers up and down this country? this is why we want a conversation about mortgage pricing and how quickly, when it goes up they are quick to increase the rates, but when it turns, are those decreases going to be passed straight back onto the clients? �* . be passed straight back onto the clients? �* , ., ., clients? let's go with emma in croydon- _ clients? let's go with emma in croydon. emma, _ clients? let's go with emma in croydon. emma, hi, _ clients? let's go with emma in croydon. emma, hi, croydon, | croydon. emma, hi, croydon, expensive?— croydon. emma, hi, croydon, exensive? ., , ,., , expensive? hello! yes, we saved very hard for about — expensive? hello! yes, we saved very hard for about ten _ expensive? hello! yes, we saved very hard for about ten years _ expensive? hello! yes, we saved very hard for about ten years to _ expensive? hello! yes, we saved very hard for about ten years to get - expensive? hello! yes, we saved very hard for about ten years to get our. hard for about ten years to get our property, and we finally managed to buy a property in 20, march 2019, and mortgage price was not, reasonable, it was. and now, recently, our last, we were paying

£1400 a month, which was reasonable, and now it has gone up to £2059 a month. which as you can imagine... that is quite a lot.— that is quite a lot. exactly! so, very high. _ that is quite a lot. exactly! so, very high. as — that is quite a lot. exactly! so, very high. as you _ that is quite a lot. exactly! so, very high, as you can _ that is quite a lot. exactly! so, very high, as you can imagine, | that is quite a lot. exactly! so, - very high, as you can imagine, and it is quite scary. working a lot of hours just maintain extra money. what do both do? we hoursjust maintain extra money. what do both do?— what do both do? we are radiographers _ what do both do? we are radiographers in - what do both do? we are radiographers in the - what do both do? we are | radiographers in the nhs. what do both do? we are - radiographers in the nhs. we were talkint radiographers in the nhs. we were talking about _ radiographers in the nhs. we were talking about radiographers - radiographers in the nhs. we were talking about radiographers only i talking about radiographers only yesterday. talking about radiographers only esterda . ., , talking about radiographers only esterda. . , talking about radiographers only esterda. ., , yesterday. oh, really? sorry, iwas at work. yesterday. oh, really? sorry, iwas at work- we _ yesterday. oh, really? sorry, iwas at work. we were _ yesterday. oh, really? sorry, iwas at work. we were talking _ yesterday. oh, really? sorry, iwas at work. we were talking about - at work. we were talking about dela s in at work. we were talking about delays in cancer _ at work. we were talking about delays in cancer care. - at work. we were talking about delays in cancer care. and - delays in cancer care. and radiographers of course performing such an important role in our nhs. decentjob? such an important role in our nhs. decentiob?— such an important role in our nhs. decent 'ob? , , , ., ~ decent 'ob? yep. husband is working six decent job? yep. husband is working six da s a decent job? yep. husband is working six days a week _ decent job? yep. husband is working six days a week pretty _ decent job? yep. husband is working six days a week pretty much - decent job? yep. husband is working six days a week pretty much at - decent job? yep. husband is working six days a week pretty much at the i six days a week pretty much at the moment to try to make sure we've got

that little bit of extra income coming in, we've got two small children as well, sol coming in, we've got two small children as well, so i am part—time but i've been doing a lot of weekends as well just to but i've been doing a lot of weekends as welljust to bring the money in, so we are shipped in the night at the moment. it money in, so we are shipped in the night at the moment.— night at the moment. it was ever thus with a _ night at the moment. it was ever thus with a lot _ night at the moment. it was ever thus with a lot of _ night at the moment. it was ever thus with a lot of people. - night at the moment. it was ever thus with a lot of people. can - night at the moment. it was ever thus with a lot of people. can i i night at the moment. it was ever. thus with a lot of people. can i ask because question, what is the ballpark for a radiographer, paid by some? a . . ballpark for a radiographer, paid by some? . , ballpark for a radiographer, paid by some? , 3,1: ballpark for a radiographer, paid by some? , ,':ifi ., some? basic, i suppose, 25-30, and then upwards- _ some? basic, i suppose, 25-30, and then upwards. the _ some? basic, i suppose, 25-30, and then upwards. the only _ some? basic, i suppose, 25-30, and then upwards. the only thing - some? basic, i suppose, 25-30, and then upwards. the only thing i - some? basic, i suppose, 25-30, andj then upwards. the only thing i would say our profession the beauty of doing overtime, but then, you know, i working tomorrow, my husband is working sunday, when do we see other? .. , working sunday, when do we see other? , ,~/ working sunday, when do we see other? , i. working sunday, when do we see other? , , other? exactly. so you could be talkint other? exactly. so you could be talking about _ other? exactly. so you could be talking about a _ other? exactly. so you could be talking about a couple, - other? exactly. so you could be talking about a couple, 60 - other? exactly. so you could be talking about a couple, 60 k, i talking about a couple, 60 k, something like that. in that kind of situation. these are the sorts of people who are in a terrible, terrible trap at the moment. it's

really reaching up the income scale. and as one caller said, obviously they're going to be people a lot worse off than we are, but... and it is the bat. ships in the night, though. it is the quality of life thing, that's what we're talking about. ., �* . thing, that's what we're talking about. . �* , ., ~ , about. yeah. he's working every sintle about. yeah. he's working every single sunday. _ about. yeah. he's working every single sunday, continuously, - about. yeah. he's working every single sunday, continuously, forj about. yeah. he's working every - single sunday, continuously, for the foreseeable. just to keep their head above water. and in croydon as well, our council tax has gone through the roof as well, on top of the mortgage. roof as well, on top of the mortgage-— roof as well, on top of the mortgage. roof as well, on top of the mortttae. . ., ., mortgage. one thing after another. yes, it is manageable, _ mortgage. one thing after another. yes, it is manageable, but - mortgage. one thing after another. yes, it is manageable, but we - mortgage. one thing after another. yes, it is manageable, but we are l yes, it is manageable, but we are putting the hours into make sure that we are saying that. hopefully it will go down, admittedly we are on a tracker because we felt right

now probably the best thing to do case the interest rates do come down, hopefully that will be the case, but i don't think dramatically anyway. case, but i don't think dramatically an a . ., ~ case, but i don't think dramatically an a , ., " ., " case, but i don't think dramatically an a. ., ~ ., anyway. not like it was. thank you so much. robin _ anyway. not like it was. thank you so much. robin fort— anyway. not like it was. thank you so much. robin fort william, - anyway. not like it was. thank you | so much. robin fort william, hello. hi, nicky beautiful weather up. you've — hi, nicky beautiful weather up. you've been having lots of beautiful weather up there, my friends up there have been sending me photographs. it is heaven when it is nice, isn't it? photographs. it is heaven when it is nice. isn't it?— nice, isn't it? yes, i am 'ust after the isle of— nice, isn't it? yes, i am 'ust after the isle of skye. h nice, isn't it? yes, i am 'ust after the isle of skye. you're _ nice, isn't it? yes, i amjust after the isle of skye. you're doing - nice, isn't it? yes, i amjust after the isle of skye. you're doing the colin's? doing — the isle of skye. you're doing the colin's? doing the _ the isle of skye. you're doing the colin's? doing the full _ the isle of skye. you're doing the colin's? doing the full traverse, l colin's? doing the full traverse, e -. that colin's? doing the full traverse, yep- that is _ colin's? doing the full traverse, yep. that is quite _ colin's? doing the full traverse, yep. that is quite a _ colin's? doing the full traverse, yep. that is quite a climb, - colin's? doing the full traverse, yep. that is quite a climb, got i colin's? doing the full traverse, yep. that is quite a climb, got a| yep. that is quite a climb, got a friend who _ yep. that is quite a climb, got a friend who did _ yep. that is quite a climb, got a friend who did that, _ yep. that is quite a climb, got a friend who did that, perilous - yep. that is quite a climb, got a friend who did that, perilous at | friend who did that, perilous at times! talking of perilous! talking of falling off a cliff edge, what is happening on the mortgages? meiji. of falling off a cliff edge, what is happening on the mortgages? well, i think ou happening on the mortgages? well, i think you just — happening on the mortgages? well, i think you just made _ happening on the mortgages? well, i think you just made a _ happening on the mortgages? well, i think you just made a comment - happening on the mortgages? well, i think you just made a commentjust l happening on the mortgages? well, ij think you just made a commentjust a minute _ think you just made a commentjust a minute ago. — think you just made a commentjust a minute ago, you said quality of life. _ minute ago, you said quality of life. and — minute ago, you said quality of life, and that's what it's about. because — life, and that's what it's about.

because it's not a rehearsal, life, this is— because it's not a rehearsal, life, this is it. — because it's not a rehearsal, life, this is it, and you need to make the most _ this is it, and you need to make the most of— this is it, and you need to make the most of it. — this is it, and you need to make the most of it, and quite a few years ago. _ most of it, and quite a few years ago, i— most of it, and quite a few years ago, i realised what was going to happen, — ago, i realised what was going to happen, i— ago, i realised what was going to happen, i have got a house there i rented _ happen, i have got a house there i rented it— happen, i have got a house there i rented it out and put a young family in there. _ rented it out and put a young family in there, they are still in there, six years— in there, they are still in there, six years now, i think, and i in there, they are still in there, six years now, ithink, and i bought a van, _ six years now, ithink, and i bought a van, and — six years now, ithink, and i bought a van, and i— six years now, ithink, and i bought a van, and i live in my campervan, i work, _ a van, and i live in my campervan, i work. i_ a van, and i live in my campervan, i work. i have— a van, and i live in my campervan, i work, i have got a job, sort of part-time _ work, i have got a job, sort of part—time but it can be a bit seasonal~ _ part—time but it can be a bit seasonal. and i have got a great quality— seasonal. and i have got a great quality of— seasonal. and i have got a great quality of life, the van life community is getting huge now. the van life community is getting huge now. the: van life community community is getting huge now. tts: van life community come? community is getting huge now. tt9 van life community come? and when you are up on the ridge, looking over the sea and the mountains, the stags, and you see the siegel you're smelling the hour, and that costs

nothing. smelling the hour, and that costs nothint. ~ :, , smelling the hour, and that costs nothint. ~ :,, :, smelling the hour, and that costs nothint.~ :, , :, nothing. well, it has cost a bit to hire the guide! _ hire the guide! laughter sorry, i am over romanticising, thank you very much indeed. have a good time on the cuillin ridge. what is your solution to all of this, baz? ~ , is your solution to all of this, baz? : , , :, :, is your solution to all of this, baz? , :, baz? well, my solution was, in au:ust baz? well, my solution was, in august last _ baz? well, my solution was, in august last year _ baz? well, my solution was, in august last year i _ baz? well, my solution was, in august last year i sold - baz? well, my solution was, in august last year i sold my - baz? well, my solution was, in | august last year i sold my home because i could see the interest rates going doolally, and i had a very high mortgage, i was paid well as a professional, but it was getting to the point where it wasn't affordable, so we sold the house, got our equity, and we bought a 62 foot by ten foot wide beam canal boat. that was our solution. now,

our costs excluding food year is just under £7,000 but that's our water, refuse, ourfuel, our electricity, our berthing, moorings, you name it, all covered. your last speaker had it right, it is about quality of life, he went on to a mobile i think type of thing, we didn't fancy that, my old english teacher was ronald russell, who has written some of the finest books on the canals of great britain, and he gave me... a namedrop! well, he's still alive, gave me... a namedrop! well, he's stillalive, he gave me... a namedrop! well, he's still alive, he must be 90—odd because i'm 67. wow, he had this love of the water. h because i'm 67. wow, he had this love of the water.— love of the water. i love that programme _ love of the water. i love that programme with _ love of the water. i love that programme with prunella . love of the water. i love that - programme with prunella scales and... . :. programme with prunella scales and... , :, :, , and... yes, and her husband, timothy west. and... yes, and her husband, timothy west- timothy — and... yes, and her husband, timothy west. timothy west, _ and... yes, and her husband, timothy west. timothy west, that's _ and... yes, and her husband, timothy west. timothy west, that's it, - and... yes, and her husband, timothy west. timothy west, that's it, such i west. timothy west, that's it, such a peaceful. — west. timothy west, that's it, such

a peaceful, wonderful _ west. timothy west, that's it, such a peaceful, wonderful watch. - west. timothy west, that's it, such a peaceful, wonderful watch. whatl west. timothy west, that's it, such | a peaceful, wonderful watch. what a wonderful watch. and what a life you have. ,, :, , wonderful watch. and what a life you have, , :, wonderful watch. and what a life you have. , :, , wonderful watch. and what a life you have, , :, , ,:, wonderful watch. and what a life you have, , :, , y:, , have. sorry to interrupted you, but do ou have. sorry to interrupted you, but do you have _ have. sorry to interrupted you, but do you have kingfishers _ have. sorry to interrupted you, but do you have kingfishers on - have. sorry to interrupted you, but do you have kingfishers on the - have. sorry to interrupted you, but do you have kingfishers on the end j do you have kingfishers on the end of your garden have on the end of my boat when i have my morning coffee. i got squirrels! got boat when i have my morning coffee. i got squirrels!— i got squirrels! got to be careful about them. _ i got squirrels! got to be careful about them, they _ i got squirrels! got to be careful about them, they steal - i got squirrels! got to be careful about them, they steal certain l about them, they steal certain things! about them, they steal certain thins! , :, , , about them, they steal certain thins! , , ~ :, things! television sets! are you on the move as _ things! television sets! are you on the move as well, _ things! television sets! are you on the move as well, or— things! television sets! are you on the move as well, or do _ things! television sets! are you on the move as well, or do you - things! television sets! are you on the move as well, or do you keep. things! television sets! are you on| the move as well, or do you keep it in one place, do you drift? hate the move as well, or do you keep it in one place, do you drift? we have a mooring. — in one place, do you drift? we have a mooring. but— in one place, do you drift? we have a mooring, but we _ in one place, do you drift? we have a mooring, but we do _ in one place, do you drift? we have a mooring, but we do go _ in one place, do you drift? we have a mooring, but we do go out - in one place, do you drift? we have a mooring, but we do go out and i a mooring, but we do go out and about, and you don't go any faster than formph, it's the quickest way to slow down. but if i mayjust interject, with this mortgage then, when i was younger, your local authority gave you a fixed mortgage for 25 years. this greed we are now linked to international interest

rates, once a building society, if it is a mutual society, it is not allowed to make a profit, a lot of people don't realise that, and they declare a surplus and then dish it out to who they want. this declare a surplus and then dish it out to who they want.— out to who they want. this is the olitics of out to who they want. this is the politics of it- _ out to who they want. this is the politics of it. are _ out to who they want. this is the politics of it. are you _ out to who they want. this is the politics of it. are you interested | politics of it. are you interested in politics?— politics of it. are you interested in olitics? :, : :, , , in politics? not particularly. they all bore me _ in politics? not particularly. they all bore me to _ in politics? not particularly. they all bore me to death. _ in politics? not particularly. they all bore me to death. i— in politics? not particularly. they all bore me to death. i was - in politics? not particularly. they all bore me to death. i was going in politics? not particularly. they i all bore me to death. i was going to sa , are all bore me to death. i was going to say. are you — all bore me to death. i was going to say. are you a _ all bore me to death. i was going to say, are you a floating _ all bore me to death. i was going to say, are you a floating voter? - all bore me to death. i was going to say, are you a floating voter? i'm i all bore me to death. i was going to say, are you a floating voter? i'm a| say, are you a floating voter? i'm a voter that — say, are you a floating voter? i'm a voter that in _ say, are you a floating voter? i'm a voter that in 67 _ say, are you a floating voter? i'm a voter that in 67 years _ say, are you a floating voter? i'm a voter that in 67 years from - say, are you a floating voter? i'm a voter that in 67 years from the - say, are you a floating voter? th a. voter that in 67 years from the age of 18, this time is not going to vote, because i've got no confidence in any of them. a lot of people say that it's wasted, but ijust give up with them. they're not in touch with the people. with them. they're not in touch with the --eole. �* with them. they're not in touch with the people-— the people. don't vote, 'ust luck, float on the people. don't vote, 'ust luck, float on by. h the people. don't vote, 'ust luck, float on by. thank_ the people. don't vote, 'ust luck, float on by. thank you _ the people. don't vote, just luck, float on by. thank you very - the people. don't vote, just luck, float on by. thank you very much| float on by. thank you very much indeed. there's baz, there's many people, and thank you very much indeed, have a great weekend. live from london. this is bbc news.

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