Malcolm Cameron-Lee thought he was doing the right thing when he decided to invest his lifesavings into property twenty years ago to fund a comfortable retirement.
At the time, “pension schemes were being mismanaged” and, as an electrical contractor, he believed “the way things were working it was better to fend for yourself”.
But the dream of home ownership has turned into a nightmare because of the long-running cladding scandal that has left the 58-year-old “penniless and about to go bankrupt”.
“We’ve been stitched up for so long and now it’s ruined me,” he told Sky News.
Malcolm bought nine small rental flats in Salford’s City Link development between 2007-8, for around £80,000 each.
But now they are effectively valued at £0 because of defects found in checks required after the Grenfell Tower fire.
The issues include flammable cladding, insulation, wooden balconies, and missing fire doors – with banks unwilling to take the risk of lending on the properties until they are made safe.
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The works have been estimated to cost £33,000 per flat.
While ministers have repeatedly said that leaseholders should not pay for the mistakes of developers in the wake of Grenfell, which exposed a widespread building safety scandal, Malcolm is one of many who does not currently qualify for support.
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‘We’ll force developers to fix unsafe buildings’
The protections announced in last year’s Building Safety Act exclude buy-to-let landlords who own more than three properties – so-called “non-qualifying leaseholders”.
People in this group can be liable to pay for cladding remediation and are also shut out from a protective cap on expensive non-cladding costs.
Housing Secretary Michael Gove previously said the exclusion was because he did not want to support those with “significant means” to pay for remediation themselves.
But Malcolm accused the government of “discriminating against leaseholders who have grafted all their lives and saved hard to fund our own retirements”.
Having worked as an electrical contractor for 40 years, the income from the rent on the flats was his savings to put towards his pension.
But those savings have run dry because of the “spiralling costs” of maintaining the properties.
Malcolm has had to pay “extortionate” amounts for interim safety measures such as a waking watch and new fire alarm system, the latter costing him about £1,200 per flat.
Image: The Grenfell Tower block in west London was destroyed in a fire that killed 72 people
His annual service charge has more than doubled from £900 to £2,100 while his building insurance is expected to shoot up by 42% this year.
This is on top of rising mortgage rates which have caused his payments to soar from £20,000 to £55,000 in the last year.
Malcolm is effectively hostage to these terms because the safety issues mean “the properties are valued at nothing, so there is no chance of being able to re-mortgage or sell”.
And he fears being stuck for many more years because there is no timeline for when the remediation will be complete.
Since the issues came to light the developer of Malcolm’s 17-metre high block has dissolved and filed under a new name.
Rendall and Rittner, who now manage the City Link development, told Sky News they are “working towards a resolution” and indicated they will seek funding for the cladding removal from the government’s medium-rise scheme for where developers can’t be traced.
The Department for Housing also insisted Malcolm would benefit from this scheme, despite his non-qualifying status, when contacted for comment.
“I can’t carry on, I have lost all my money,” he said.
“I am down to my last pennies, and I am going to file for bankruptcy beginning of May.
“I will lose the flats which were my income while I was retraining as something else. I will lose my home that I live in with my wife and I will lose my pension.
“I am normally very positive, but this has left me feeling broken. If I wasn’t married, I’d be on the street.”
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But the End Our Cladding Scandal campaign (EOCS) said there is more to be done, and Malcolm’s “desperate story spells out the unfairness of the supposedly protective legislation that the government has devised, which has limited the help that is on offer”.
The campaign group estimates there are thousands of non-qualifying leaseholders excluded from protections in the Building Safety Act. As well as landlords with multiple properties, the group includes those in low-rise buildings below 11 metres.
Campaigners fear the dividing line will have a ripple effect on remediation, with works delayed or unable to go ahead if non-qualifying flat owners can’t pay.
Giles Grover, a spokesperson for the group, said: “The government has known about Malcolm’s circumstances for over a year, but has done nothing and there are many other non-qualifying leaseholders in the same situation – how many more ordinary people must have their lives ruined before Mr Gove, Mr Sunak and Chancellor Hunt will be moved to change course?”
Tens of thousands of people have packed St Peter’s Square as the funeral of Pope Francis begins.
Royals, world leaders and cardinals joined scores of worshippers at the Vatican, as mourning of the 266th pontiff transcended wealth and social class.
In keeping with Francis’s life as a breaker of tradition, many of the more elaborate and expensive rituals customary for the burial of popes have been foregone in favour of simpler options.
Around 200,000 people are attending the funeral, with around 50,000 packing out St Peter’s Square.
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His body had been lying in state since his death aged 88 on Easter Monday, spending the last few days in St Peter’s Basilica to allow mourners to pay their respects.
The Vatican – where the funeral service is taking place – and Rome – where Francis will be laid to rest – are under heavy security, with a no-fly zone in place overhead.
Image: The coffin of Pope Francis is borne aloft by pallbearers. Pic: Reuters
Image: Members of the clergy gathered to say farewell to their pontiff. Pic: Reuters
Francis’s coffin has been taken out into St Peter’s Square where 220 cardinals and 750 bishops and priests are sitting in rows, waiting to say goodbye to the Bishop of Rome.
A series of readings and prayers are being read before the 50,000 faithful gathered before the basilica, and the coffin will be sprinkled with holy water and incense.
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Singing rings out at the Vatican
Image: Members of the clergy stand in St Peter’s Square. Pic: Reuters
It began with Cardinal Giovanni Battista Re reading the Penitential Act – a way for the faithful to confess their sinfulness.
This was followed by the Liturgy of the Word, a part in Catholic mass where faithful gather to hear and reflect on the word of God.
Cardinal Re then delivered the homily, speaking about Pope Francis’ life and service to God.
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Applause breaks out as Zelenskyy arrives
Image: Cardinal Giovanni Battista Re read the homily
The cardinal praised the pontiff as someone who “touched the minds and hearts of people” who was “attentive to the signs of the times”.
He added: “Despite his frailty and suffering towards the end, Pope Francis chose to follow this path of self-giving until the last day of his earthly life.”
He said Francis “was a pope among the people, with an open heart towards everyone”.
Image: Tens of thousands pack St Peter’s Square for the funeral. Pic: AP
Image: Clergy seated during the funeral. Pic: AP
At the end of the mass, the choir will sing in Latin: “May the angels lead you into paradise; may the martyrs come and welcome you and take you into the holy city, the new and eternal Jerusalem.”
After the service, Pope Francis’s body will be taken in procession through the streets of Rome to his final resting place at his favourite church, the Basilica of Santa Maria Maggiore.
Image: Worshippers outside the Papal Basilica of Santa Maria Maggiore. Pic: Reuters
He will be ushered into the basilica – dedicated to the Virgin Mary – by prisoners and migrants, a last reflection of his priorities as pope.
In a break with tradition, the Popeoutlined in his will his request to be buried “in the ground, without particular ornamentation” but simply with the inscription “Franciscus”.
Virginia Giuffre, who accused Prince Andrew of sexual assault, has died aged 41.
In a statement to Sky’s US partner network NBC News on Friday, her family said she took her own life in Neergabby, Australia, where she had been living for several years.
“It is with utterly broken hearts that we announce that Virginia passed away last night at her farm in Western Australia,” her family said.
“She lost her life to suicide, after being a lifelong victim of sexual abuse and sex trafficking.
“Virginia was a fierce warrior in the fight against sexual abuse and sex trafficking. She was the light that lifted so many survivors.
“In the end, the toll of abuse is so heavy that it became unbearable for Virginia to handle its weight.”
Ms Giuffre sued the Duke of York for sexual abuse in August 2021, saying Andrew had sex with her when she was 17 and had been trafficked by his friend, the billionaire paedophile Jeffrey Epstein.
The duke has repeatedly denied the claims, and he has not been charged with any criminal offences.
In March 2022, it was announced Ms Giuffre and Andrew had reached an out-of-court settlement – believed to include a “substantial donation to Ms Giuffre’s charity in support of victims’ rights”.
Image: Prince Andrew has denied all claims of wrongdoing. File pic: Reuters
‘An incredible champion’
Sigrid McCawley, Ms Giuffre’s attorney, told NBC News that she “was much more than a client to me; she was a dear friend and an incredible champion for other victims”.
“Her courage pushed me to fight harder, and her strength was awe-inspiring,” she said. “The world has lost an amazing human being today.”
“Rest in peace, my sweet angel,” she added.
Dini von Mueffling, Giuffre’s representative, also told the outlet: “Virginia was one of the most extraordinary human beings I have ever had the honour to know.
“Deeply loving, wise, and funny, she was a beacon to other survivors and victims. She adored her children and many animals.
“She was always more concerned with me than with herself. I will miss her beyond words. It was the privilege of a lifetime to represent her.”
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Ms Giuffre said at the end of March she had four days to live after a car accident, posting on social media that “I’ve gone into kidney renal failure”. She was discharged from hospital eight days later.
Raised mainly in Florida, she said she was abused by a family friend early in life, which led to her living on the streets at times as a teenager.
She said that in 2000, she met Ghislaine Maxwell, a British socialite who was convicted in 2021 on federal sex trafficking and conspiracy charges and was sentenced to 20 years in prison.
Ms Giuffre said Maxwell then introduced her to Epstein and hired her as his masseuse, and said she was sex trafficked and sexually abused by him and associates around the world.
‘I am now a survivor’
After meeting her husband in 2002, while taking massage training in Thailand at what she said was Epstein’s behest, she moved to Australia and had a family.
She founded the sex trafficking victims’ advocacy charity SOAR in 2015, and is quoted on its website as saying: “I do this for victims everywhere.
“I am no longer the young and vulnerable girl who could be bullied. I am now a survivor, and nobody can ever take that away from me.”
:: Anyone feeling emotionally distressed or suicidal can call Samaritans for help on 116 123 or email jo@samaritans.org in the UK. In the US, call the Samaritans branch in your area or 1 (800) 273-TALK.
As the line of mourners moves slowly along behind him, Ciriaco Sarnelli peers at me from beneath the immaculate brim of his cap.
The military police chief looks, by any standards, magnificent – shoulders back and proudly wearing the black uniform of the Carabinieri.
“Our history goes back more than 200 years,” he says. “We remember our past, and our place. The only people with black uniforms are the priests, the judges and the Carabinieri.”
He leaves the rest unsaid – the Carabinieri sit at the heart of Italian cultural life.
Image: Ciriaco Sarnelli, Carabinieri military police chief
Once, they defended the borders of a young nation. Now, they have a new challenge that has its own weighty burden – to keep St Peter’s Square safe during the funeral of Pope Francis.
This is no easy task. Hundreds of thousands will descend upon the Vatican for the event.
Inside will be Donald Trump, Sir Keir Starmer, Joe Biden, Emmanuel Macron, Prince William and dozens upon dozens of other dignitaries.
Outside will be the Carabinieri.
They won’t be alone – there are thousands of other police officers due to be assigned to protect the event – but the Carabinieri are affiliated to the military; the most highly-trained officers on duty.
Image: A member of the security personnel wields an anti-drone gun for the Pope’s funeral
“This is an extraordinary operation,” says Sarnelli, as we look out over the crowd. “So we have employed some special units that belong to Carabinieri – the bomb squad, a dogs unit, snipers and helicopters. We want to assure the people who are arriving here that they can take part in this event in the best way, in a secure way.”
He says they are ready for “common crimes” – like pickpockets in the crowd – but also “the biggest, terrifying events”.
He says there is “excellent coordination” with police forces from other countries.
Around him, his officers are smiling, chatting to tourists and Romans alike.
The security here is overt but friendly, even if I’m told there are also plenty of plain-clothed officers mingling within the crowd.
Guns and grins both on show.
A police helicopter circles above. In the port of Rome, a naval destroyer has been primed for action; there are fighter jets ready to take off.
You can watch full coverage of the funeral live on Sky News on Saturday
Image: Huge crowds have come from around the world to see the Pope’s body
If the impression is relaxed, the reality is different. The classic swan.
All the strands are pulled together from one place and, what’s more, it offers a perfect view of Vatican City.
From where I’m standing, I can see the front of St Peter’s Basilica, the side, and the roads around it. I can see the crowds coming in, and the crowds going out.
And I can see an anxious policeman drumming his fingers.
But we are not in St Peter’s and not even in the Vatican.
This is the high-security control room on the fifth floor of Rome’s police headquarters.
And from here, you can see everything.
Image: The control room from where security officials can see across the Italian capital
An array of screens are in front of us and, watching them, men and women, huddled over screens and all wearing contrasting uniforms.
Some are military, some national police, some wear the clothes of firefighters. A few are in plain clothes and there is even a man wearing the badge of the prison officers’ service.
This centre is a hub for collaboration and decision-making and it brings together every service that is involved in ensuring the safety and security of the funeral.
There is a Carabinieri officer here, as well as the Guardia di Finanza national police and the Roman force. The government’s secret intelligence service is represented here, too.
Elisabetta Accardo is from Rome’s police department. We talk against the gentle hubbub in the control room, colleagues pointing at screens and agreeing plans.
Image: Elisabetta Accardo, Rome Police control room spokeswoman
I ask when Italy last had to deal with a security operation on this scale, and she laughs. “Hundreds of years,” she says.
“It is unprecedented. The level of security is at the maximum.” She describes the plan as “structured three-dimensional security”.
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It is a plan that has been long in the making, but which has been reshaped over the past few days to react to the whims of the Pope’s final wishes.
It is, after all, more than a century since a pope was buried outside the walls of the Vatican.
You get the impression that the people designing the security plan could rather have done without having to add an hour-long procession through Rome into the plan.
But so be it.
By Saturday night, it will be done. Rome can start to get back to normal; the foreign leaders will be on their way home.
And the Rome police will breathe just a little bit easier.