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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1:09
‘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?”
Iran’s response to Israeli attacks on its nuclear facilities is “self-defence” and a “matter of principle”, the Iranian ambassador to the UK has told Sky News.
Speaking exclusively to The World With Yalda Hakim, Seyed Ali Mousavi said the “barbaric Israeli regime” is “violating international law” – describing Israel’s actions in recent days as “an act of aggression against the Iranian people”.
The conflict between Israel and Iran – once played out in a series of proxy wars – has escalated in the past three days.
Image: Sky’s Yalda Hakim spoke to Iran’s ambassador to the UK, Seyed Ali Mousavi
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Israel-Iran: How the conflict escalated
On Friday morning, explosions hit Tehran as Israel carried out a major attack on its top army leaders, nuclear sites, and nuclear scientists.
Iran threatened “severe punishment” and quickly retaliated with a wave of missiles.
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Missile aftermath in Israel
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Israeli missile hits warehouse in Iranian city
When questioned about whether Iran could continue fighting Israel, the Iranian ambassador told Yalda Hakim that “it is a matter of principle”.
He said: “This is about self-defence, there is no doubt about it.
“We are a responsible member state of the UN and we do all activities according to our international obligations.
“Any activities are only in the framework of self-defence.”
Image: Damage from an Iranian missile attack to a building in Bat Yam, Israel. Pic: Reuters
Image: Explosions over Jerusalem on Sunday
He added that his country would “do our best to preserve our territorial integrity”, and that “with the help of God”, Iran will “materialise endeavours concretely against our enemy – the Israeli regime”.
Mr Mousavi also told Hakim that Iran’s nuclear activities are “monitored”, and that recent comments by the International Atomic Energy Agency (IAEA) were “politically motivated”.
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Missiles have also been seen over Tel Aviv
The UN nuclear watchdog’s board of governors found Iran was not complying with its nuclear obligations for the first time in 20 years.
Iran said it has “always adhered” to the safeguarding obligations laid down by the watchdog.
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Iranian ambassador reacts to strikes – full interview
Announcing Operation Rising Lion on Friday, Israeli Prime Minister Benjamin Netanyahu claimed Iran had recently taken steps to weaponise enriched uranium, which could be used to make nuclear weapons.
But Mr Mousavi stressed that Iran’s “peaceful activities” at its “nuclear fields” were only for the “generation of electricity, and other peaceful” things.
Iran was due to continue its round of negotiations with the US in Muscat – however, this was cancelled, given recent tensions.
The government is warning people not to travel to Israel under any circumstances, as the country’s missile exchange with Iran shows no sign of abating.
On Friday, the Foreign Office warned against “all but essential travel” to most of Israel.
The areas around Gaza, the West Bank and the Golan Heights were already classed as red zones, with warnings to avoid travel to these areas.
But the government has now updated the warning for the remainder of the country to red.
This puts Israel on the same level as Iran, and the change of advice is also likely to impact travel insurance.
However, with Israel’s airspace closed, it is unlikely many people will be attempting the journey, and Israel’s national airline El Al has announced it is cancelling flights to and from many European cities, as well as Tokyo and Moscow, until 23 June.
The change in travel advice comes after a second night of ballistic missile barrages from Iran following Israel’s attack in the early hours of Friday morning.
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An eight-storey residential building in Tel Aviv was hit by a missile last night.
On Sunday morning, Israel’s health ministry said 12 people had been killed over the past day, taking the total since Friday to 15. It also said 385 people had arrived at hospital with injuries overnight.
Iran has not provided a total number of deaths or overall casualties, but has claimed dozens have been killed.
Iran’s health minister has said most of those injured and killed in Israeli strikes were civilians. According to comments carried by news agency IRNA, he said the majority were women and children.
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18:00
The chancellor said UK forces could “potentially” be used to help defend Israel.
The UK government is sending military assets, including fighter jets, to the Middle East.
While the prime minister would not confirm to reporters that UK forces could be used to defend Israel from future Iranian attacks, the chancellor told Sky News earlier that the government is “not ruling anything out”.
Speaking to Sky’s Sunday Morning With Trevor Phillips, Rachel Reeves said sending military assets to the Middle East “does not mean that we are at war”, and emphasised that “we have not been involved in these strikes or this conflict”.
“But we do have important assets in the region,” she continued. “And it is right that we send jets to protect them. And that’s what we’ve done. It’s a precautionary move, and at the same time, we are urging de-escalation.”
Pushed on the question of what the UK would do if Israel asked for support with its operations, the chancellor replied: “I’m not going to rule anything out at this stage. It’s a fast-moving situation, a very volatile situation. But we don’t want to see escalation.”
A helicopter carrying Hindu pilgrims has crashed in India, killing seven people on board.
The accident happened within minutes of the helicopter taking off, officials said, on what should have been a 10-minute flight.
The helicopter was flying to Guptkashi, a prominent Hindu pilgrimage site in the Himalayas, from Kedarnath temple town in the northern Indian state of Uttarakhand.
It comes three days after an Air India flight crashed less than a minute after taking off from Ahmedabad airport in northwestern India, killing at least 270 people.
The helicopter, which was operated by private helicopter service Aryan Aviation, went down in a forested area several miles from the Kedarnath pilgrimage route at around 5.30am local time.
Officials said the crash was believed to have been caused by poor weather conditions.
Authorities say they have launched a search and rescue operation and are expected to review operational protocols for flights in the region.
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The dead include the pilot and pilgrims from the neighbouring state of Uttar Pradesh and western states of Maharashtra and Gujarat, according to officials. The bodies were badly burned in a fire that followed the crash, they said.
Image: Smoke and debris at the site. Pic: Reuters
Tens of thousands of pilgrims visit Kedarnath, which is home to one of the four most sacred Hindu temple shrines, each summer. Many use helicopter services due to the difficult mountainous terrain.
Helicopter mishaps are not uncommon in the region, where sudden weather changes and high-altitude flying conditions can pose risks.
Earlier this month, a helicopter operating in the Kedarnath Valley made an emergency landing shortly after taking off on a highway due to a technical fault. The pilot was injured but all five passengers on board were unharmed.
In May, a helicopter crashed in Uttarkashi district, killing six people, including the pilot. One person survived.