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The King and Queen are commemorating the life and service of Queen Elizabeth II with private prayers and a moment of reflection at a Scottish church.

Charles and Camilla made the short journey by car from the nearby Balmoral Estate to Crathie Kirk where monarchs have worshipped since Queen Victoria.

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King thanks people for ‘love and support’

They were joined by the late Queen’s niece and nephew, Lady Sarah Chatto and the Earl of Snowdon.

A small group of Balmoral estate workers, members of the public and pupils from Crathie Primary School had gathered close to the church.

The Rev Kenneth Mackenzie, minister of Crathie Kirk, who officiated at the event, said it was “a simple reflective time”.

“I think that those of us that did get to see the Queen in different situations, but particularly up here, felt it today, were reminded of the loss,” he said.

“And wherever they might be, in their own homes or wherever, I’m glad that people will have the opportunity to reflect and gives some thanks for the life of the Queen.”

The King outside Crathie Kirk, near Balmoral, Scotland
People walk outside Crathie Kirk near Balmoral, Scotland

Crowds also gathered outside Buckingham Palace in central London and Windsor Castle and left written messages and flowers outside and at the gates.

The event will be a deeply personal moment for the King, who became sovereign when his mother died peacefully on September 8 last year at Balmoral, aged 96, after reigning for 70 years.

Charles has been staying at his Birkhall residence and Balmoral Castle in Aberdeenshire over the summer.

Sky News royal correspondent Laura Bundock said: “This has felt like a day where the whole family has been reflecting on what has been a huge, monumental year of change – for them as a family, and the wider country.”

She added: “It was always going to be an emotional day, particularly for the King, and I’ve really reflected on the sense of symmetry we have – that the late Queen would always go to Sandringham to mark the anniversary of her father George VI’s death, that was where he died, and now we see the same moment mirrored by the King, as he chose to come to Balmoral Castle.”

Queen Elizabeth II photographed by Cecil Beaton in October 1968. Pic: Royal Collection Trust/His Majesty King Charles III 2023
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Queen Elizabeth II photographed by Cecil Beaton in October 1968. Pic: Royal Collection Trust/His Majesty King Charles III 2023

Other members of the Royal Family have also been paying tributes, including Prince and Princess of Wales, who will visit the Welsh cathedral of St Davids for a short private service on Friday, also paid tribute, saying: “We all miss you.”

The message written by William and Kate on X, formerly known as Twitter, read: “Today we remember the extraordinary life and legacy of Her Late Majesty Queen Elizabeth. We all miss you. W & C.”

A picture of the late Queen outside Windsor Castle
Image:
A picture of the late Queen outside Windsor Castle

Anne Daley and Bartley Graham commemorate the first anniversary of Queen Elizabeth II's death, at Windsor Castle

Princess Eugenie wrote on Instagram: “Thinking of you today. Missing you so much but remembering what a life of service, love and dedication to everyone and to your family, who loved you so very much. Forever grateful to you. And always in my heart.”

It was followed by two red heart emojis and an image of a smiling Eugenie sat next to the late Queen on what appears to be a bench outside a cabin on the Balmoral estate.

Prince Harry, who flew to London for a WellChild award ceremony on Thursday ahead of the start of the Invictus Games in Germany, also paid tribute to his grandmother.

He said: “I know exactly one year on that she is looking down on all of us tonight, happy we’re together, continuing to spotlight such an incredible community.”

Prince Harry. Pic: AP
Image:
Pic: AP

The King has also recorded a message and released a favourite photograph of his mother on the first anniversary of her death.

He recalled his mother with “great affection” and remembered her “devoted service” and “all she meant” to the country, and released a portrait of her taken by Cecil Beaton in 1968 when she was 42.

In it, she is standing side on to the camera, wearing her Garter robes and the Grand Duchess Vladimir’s Tiara, made of 15 interlaced diamond circles.

In a short statement written and recorded at Balmoral Castle, where Queen Elizabeth II died, her son said: “In marking the first anniversary of Her Late Majesty’s death and my accession, we recall with great affection her long life, devoted service and all she meant to so many of us.

“I am deeply grateful, too, for the love and support that has been shown to my wife and myself during this year as we do our utmost to be of service to you all.”

To mark Accession Day, soldiers and horses who took part in the state funeral procession and proclamation salutes signifying the new reign performed anniversary gun salutes in the King’s honour.

Captain Amy Cooper – lead rider in the procession which carried the Queen’s coffin to lie in state in Westminster Hall – gave the order to fire a 41-gun salute at midday in London’s Hyde Park.

A 62-gun salute was also planned at the Tower of London by The Honourable Artillery Company.

In commemoration of the King’s accession, bells will be rung at Westminster Abbey at 1pm.

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Gun salutes ring across UK

Rishi Sunak has also paid tribute, noting her “sharp wit”.

With the “perspective of a year”, the prime minister said the “scale of Her Late Majesty’s service only seems greater”.

Remembering his meetings with her, he added: “I was struck by her wisdom, by her incredible warmth and grace, but also her sharp wit.”

Mr Sunak said while the country should be proud of the late Queen’s “remarkable legacy of service”, a “remarkable bond” between the country and the monarchy “continues to grow today under the reign of His Majesty The King”.

A woman lays flowers outside the Buckingham Palace on the first anniversary of Queen Elizabeth II's death
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Flowers have also been left outside Buckingham Palace

A woman lays flowers outside Buckingham Palace on the first anniversary of Queen Elizabeth II's death

Labour leader Sir Keir Starmer said Queen Elizabeth “always enjoyed a special bond with her people”.

He added: “It was a relationship built from her understanding that service of this great nation is the thread that unites sovereign and subject.”

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Prince Harry denies having ‘physical fight’ with Prince Andrew

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Prince Harry denies having 'physical fight' with Prince Andrew

Prince Harry has denied having a fight with Prince Andrew after it was claimed “punches were thrown” between the pair in 2013.

The allegations appeared in excerpts from a new book on the Duke of York being serialised in the Daily Mail.

It claims a row started after Prince Andrew said something behind Harry’s back, with Andrew “left with a bloody nose” and the pair needing to be broken up.

It also claimed the Duke of York once warned his nephew about marrying Meghan and suggested it wouldn’t last long.

However, a spokesperson for the Duke of Sussex strongly denied the claims.

“I can confirm Prince Harry and Prince Andrew have never had a physical fight, nor did Prince Andrew ever make the comments he is alleged to have made about the Duchess of Sussex to Prince Harry,” a statement said.

They said a legal letter had been sent to the Daily Mail due to “gross inaccuracies, damaging and defamatory remarks” in its reporting.

The book – Entitled: The Rise and Fall of the House of York – is billed as the first joint biography of Prince Andrew and ex-wife Sarah Ferguson.

It’s said to be based on interviews with “over a hundred people who have never spoken before”.

Prince Harry – in his own 2023 book Spare – made his own claims of an altercation with Prince William.

He said his brother once knocked him to the floor amid a confrontation over Meghan’s “rude” and “abrasive” behaviour.

“It all happened so fast. So very fast,” Harry wrote in the book.

“He grabbed me by the collar, ripping my necklace, and he knocked me to the floor. I landed on the dog’s bowl, which cracked under my back, the pieces cutting into me.”

“I lay there for a moment, dazed, then got to my feet and told him to get out,” the prince added.

Harry claimed his brother wanted him to hit him back “but I chose not to”, and that William later returned and apologised.

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The Duke Of Sussex has described his relationship with his family as extremely strained after he quit as a working royal and took legal action against the media, and over the removal of his UK police protection.

He claimed earlier this year the King wouldn’t speak to him and there had “been so many disagreements between myself and some of my family”.

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Search for British woman who disappeared from Greek beach

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Search for British woman who disappeared from Greek beach

A search is under way for a British woman who went missing from a beach in Kavala, northern Greece.

The Hellenic Coastguard said the port authority received reports that Michele Ann Joy Bourda, 59, was missing on the evening of 1 August.

The woman went missing from the Ofrynio beach area.

The coastguard is investigating reports that her belongings were left on the beach.

On Sunday, three recreational craft, five fishing boats and two patrol boats were involved in the search.

According to local media, she lived with her husband, who is reportedly of Greek origin, in the Macedonian city of Serres.

She had gone to the beach with him and reportedly vanished while he was sleeping on a sunbed.

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The charity LifeLine Hellas, which put out an appeal to try and find Ms Bourda, said she went missing at noon on 1 August.

She has been described as having straight blonde hair up to her shoulders and being 1.73m tall.

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Martin Lewis reveals who is due for car finance compensation – and how much they’ll get

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Martin Lewis reveals who is due for car finance compensation - and how much they'll get

Martin Lewis says motorists who were mis-sold car finance are likely to receive “hundreds, not thousands of pounds” – with regulators launching a consultation on a new compensation scheme.

The founder of MoneySavingExpert.com believes it is “very likely” that about 40% of Britons who entered personal contact purchase or hire purchase agreements between 2007 and 2021 will be eligible for payouts.

“Discretionary commission arrangements” saw brokers and dealers charge higher levels of interest so they could receive more commission, without telling consumers.

Pics: PA
Image:
Pics: PA

Speaking to Sky News Radio’s Faye Rowlands, Lewis said: “Very rarely will it be thousands of pounds unless you have more than one car finance deal.

“So up to about a maximum of £950 per car finance deal where you are due compensation.”

Lewis explained that consumers who believe they may have been affected should check whether they had a discretionary commission arrangement by writing to their car finance company.

However, the personal finance guru warned against using a claims firm.

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“They’re hardly going to do anything for you and you might get the money paid to you automatically anyway, in which case you’re giving them 30% for nothing,” he added.

Read more: How to tell if you’ve been mis-sold car finance

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Who’s eligible for payout after car finance scandal?

Yesterday, the Financial Conduct Authority said its review of the past use of motor finance “has shown that many firms were not complying with the law or our disclosure rules that were in force when they sold loans to consumers”.

The FCA’s statement added that those affected “should be appropriately compensated in an orderly, consistent and efficient way”.

Lewis told Sky News that the consultation will launch in October – and will take six weeks.

“We expect payouts to come in 2026, assuming this will happen and it’s very likely to happen,” he said.

“As for exactly how will work, it hasn’t decided yet. Firms will have to contact people, although there is an issue about them having destroyed some of the data for older claims.”

He believes claims will either be paid automatically – or affected consumers will need to opt in and apply to get compensation back.

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What motorists should do next

The FCA says you may be affected if you bought a car under a finance scheme, including hire purchase agreements, before 28 January 2021.

Anyone who has already complained does not need to do anything.

The authority added: “Consumers concerned that they were not told about commission, and who think they may have paid too much for the finance, should complain now”.

Its website advises drivers to complain to their finance provider first.

If you’re unhappy with the response, you can then contact the Financial Ombudsman.

Any compensation scheme will be easy to participate in, without drivers needing to use a claims management company or law firm.

The FCA has warned motorists that doing so could end up costing you 30% of any compensation in fees.

The FCA estimates the cost of any scheme – including compensation and administrative costs – to be no lower than £9bn.

But in a video on X, Lewis said that millions of people are likely to be due a share of up to £18bn.

The regulator’s announcement comes after the Supreme Court ruled on a separate, but similar, case on Friday.

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