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A 90-year-old pensioner who has paid off his mortgage is having “sleepless nights” after being hit with a “feudal” £17,000 bill for ground rent.

Derek Taylor is one of five leaseholders at Elgin House, North Herts, whose annual ground rent has risen from £25 to £2,350 – an increase of 9,000%.

The rise has been backdated to 2018, meaning he now owes £17,169 in one lump sum and is facing legal action if he does not pay.

General election latest: Look back at day two of campaigning

The case has renewed calls for the next government to abolish England’s centuries-old leasehold system, which campaigners say is “feudal” and “exploitative”.

A ground rent is a charge leaseholders have to pay so they can have a home on land they do not own and does not require a service in return.

Derek Taylor owns his home but under the leasehold system, is required to pay rent to the owner of the land it is built on
Image:
Derek Taylor owns his home but under the leasehold system, is required to pay rent to the owner of the land it is built on

The Tories promised to effectively abolish these charges in their 2019 manifesto, but the long-awaited legislation aimed at doing this now hangs in the balance following Rishi Sunak’s decision to hold a snap general election.

More on Housing

Read More: ‘Buying a flat ruined my life’: Leaseholders plead for tougher legislation

Derek, who has lived in the property for 50 years and paid off his mortgage, told Sky News: “We were asked to send £17,000 plus pounds and about a fortnight later we got a letter saying this amount is outstanding and if it’s not paid in five days, we have no course but to take you to court.

“That caused a lot of upset because who can simply pay that amount of money?

“The letter upset me because it was very threatening. You wake up in the night and can’t get to sleep again because it’s on your mind.”

The letter was sent to Derek by solicitors Salter Rex on behalf of the freeholder Quadron. They did not respond to a request for comment.

‘Let down by government’

The ground rent for these properties is now over £2,000 a year
Image:
The ground rent for these properties is now over £2,000 a year

It said £17,169 is outstanding on his account and if he does not pay “we will have no alternative but to commence legal proceedings”. It added that a £120 administration fee will be charged on top of that if no money is paid within five days.

The ground rent increase is allowed under the terms of Derek’s lease, drawn up in the 1960s, which said the fee could be reviewed in March 2018 and every 50 years after in line with the annual value of the land.

Derek and his neighbours, who were not aware of the clause, took the case to arbitration but it was ruled that the rise was allowed and the lease agreement “includes no requirement for the level of rent to be “reasonable”.

Derek, a former print worker, said: “It’s simply because they can. Legally that may be so but whatever way you look at it we can’t see that this is fair.

“We feel let down (by the government). This has been going on so long, it should have been sorted out a long time ago and when this bill does eventually get passed we don’t know if it will apply to our situation at all.”

Derek is due to meet his local MP Bim Afolami, who is also the economic minister, next week to discuss the issue.

In a newsletter to constituents seen by Sky News, Mr Afolami said he was aware of the situation and the government is “committed to removing these terrible practices”.

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Labour’s Barry Gardiner says leaseholders face ‘exorbitant’ ground rents for ‘no service’

‘Leaseholders in limbo’

At the last election in 2019, the Tories promised to reduce ground rent to a zero “peppercorn” rate.

But the Leasehold and Freehold Reform Bill, which was meant to be the mechanism for doing this, was only introduced to the House of Commons in November last year and is yet to be given Royal Assent.

The policy will be considered in the House of Lords later as part of the “wash-up” period, when the final bills that will become law are rushed through parliament before it is dissolved for an election.

The National Leasehold Campaign (NLC) has welcomed this news, amid fears the bill would be killed, but said the “devil is in the detail” as it is not clear if a cap on ground rents will be included in the final draft of the legislation.

This was due to be added to the bill as an amendment, but there have been reports for months that the Treasury wants to block the policy because it is worried about spooking insurers and pension funds that have amassed vast freehold portfolios.

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Katie Kendrick, co-founder of the NLC told Sky News: “Leaseholders remain in a state of ‘Leasehold Limbo’ wondering if they will be helped by this bill.

“It remains to be seen how far this bill will go but rest assured that there will still be some way to go to achieve our goal of abolishing Leasehold and a move to Commonhold.

“Abolishing the medieval leasehold system must be in all manifestos and any incoming government must prioritise this.”

Where do the parties stand on leasehold reform?

The issue could be a dividing line in the general election campaign, amid a wider housing crisis which at its heart is a problem of insufficient supply and spiralling affordability.

Labour has said they will abolish leasehold, but recently pushed back the timeline for doing so, blaming the Tories for watering down their own proposals.

Housing Secretary Michael Gove initially said he wanted to abolish the system, calling it “feudal”, but his bill only went as far as to ban leasehold on the sale of new houses.

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Gove speaking in 2023 says he wants to abolish ‘unfair’ leasehold system

Houses make up a small portion of around five million leasehold properties across England, most of which are flats.

Other provisions of the legislation include making it cheaper and easier for people to extend their leases, buy the freehold and gain the right to manage their buildings.

But whatever measures are ultimately enacted, for some leaseholders it will be too little too late.

Freeholders ‘cashing in’

Derek’s neighbour David Pickett ended up borrowing £54,000 from family members to change the terms of his lease so that moving forward, his ground rent will be £0.

The rise in ground rent risked leaving him trapped as it significantly devalued the property he poured his savings into, putting him at risk of negative equity and reducing his chances of selling it.

David Pickett had to pay £54,000 to renegotiate his lease and remove the ground rent clause
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David Pickett had to pay £54,000 to renegotiate his lease and remove the ground rent clause

The payment included £15,000 in backdated ground rent and a £34,000 premium – a fee David says is around seven times higher than three other neighbours in identical properties who renegotiated their lease terms in 2016. They have a fixed ground rent of £100 a year and paid a premium of between £4,000 to £5,000.

However, for communications worker David that was not an option.

“Everything is done in mathematical formulas that are hard to understand, the language they use is so cold,” he said.

The 31-year-old said delays to leasehold reforms have allowed freeholders to “cash in” on people like him and Derek.

“Part of the reason we delayed to arbitration and tried to push this as far back as possible is because we thought these reforms were coming soon and when we were getting legal advice they were talking about this bill so we always had this hope.

“Now it just feels like that flame has been extinguished.

“It feels like there is nowhere to turn for help and anyone that can help wants £200 an hour.”

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Trump will be treated to full pomp and pageantry – and no one does it better than Britain

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Trump will be treated to full pomp and pageantry - and no one does it better than Britain

While the nature of Donald Trump’s second state visit is indeed unusual, from the moment Sir Keir Starmer delivered the gold-edged invitation it began a process steeped in tradition.

State visits are usually reserved to one per head of state, with Trump last hosted by Queen Elizabeth II in 2019.

Typically, second-term US presidents are offered a shorter visit, perhaps tea or lunch with the monarch at Windsor Castle. But the red carpet is literally being rolled out once again, with Trump receiving a second full state visit, with all the pomp and pageantry it entails.

An indication was given early on in Trump’s second term that he’d be receptive to a second state visit, and so – on perhaps the advice of the new prime minister – the King issued a second invitation.

The greatest form of tradition is one that always evolves, and so this may now set a new precedent for presidents who are voted out but then return to serve a second term.

Trump and his wife Melania with the then Prince of Wales and Duchess of Cornwall in 2019. Pic: PA
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Trump and his wife Melania with the then Prince of Wales and Duchess of Cornwall in 2019. Pic: PA

Any nation can hold a state visit, but what is unique about Britain remains our internationally respected pageantry.

Even down to the very invitation – there is a very precise format for inviting someone on a state visit.

An invite must be issued, established by international law. Written on a special gold-edged paper, embossed with a golden coat of arms that is issued, it forms part of a historic archive.

Breaches of protocol

Much has been made in the past about moments where protocol was breached – Michelle Obama famously put her arm around Queen Elizabeth in 2011, but, in all honesty, I doubt very much the Queen was upset by this.

The fuss was not made by the late monarch, who accepted that what mattered was that Americans should be made very welcome on behalf of the UK.

The Obamas meeting the Queen and Duke of Edinburgh during their 2011 state visit. Pic: PA
Image:
The Obamas meeting the Queen and Duke of Edinburgh during their 2011 state visit. Pic: PA

In 2018, criticism emerged against Trump, who appeared to make the Queen change places when the Guard of Honour was to be inspected.

But, in truth, it was Elizabeth II who had to correct herself because, in her long life as sovereign, she never escorted a visiting president.

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When Trump met the Queen

The escort should stand further from the troops and her self-correction was misinterpreted as his error.

Trump’s visit this time will likely generate just as many headlines, but I don’t think there will be critical moments where a breach occurs.

What will happen today?

The Prince and Princess of Wales will greet the president and his wife in the grounds of the Windsor estate in the morning, before accompanying them to meet the King and Queen for an open-air greeting.

Mr and Mrs Trump, the King, Camilla, William, and Kate will then take part in a carriage procession through the estate to the castle, with the carriage ride joined by the Household Cavalry Mounted Regiment, which will provide a Sovereign’s Escort, as well as members of the armed forces and three military bands.

A ceremonial welcome with a guard of honour will be staged in the quadrangle of the castle, as is customary, followed by lunch with the royal family and a visit to see a Royal Collection exhibition within the castle.

The president and his wife will then visit St George’s Chapel privately on Wednesday afternoon to lay a wreath on the tomb of Queen Elizabeth II, whom they both met on their first state visit.

They will then be treated to a flypast by the Red Arrows alongside UK and US F-35 military jets on the east lawn at Windsor Castle, as well as a special Beating Retreat military ceremony.

They will then be treated to a flypast by the Red Arrows alongside UK and US F-35 military jets on the east lawn at Windsor Castle, as well as a special Beating Retreat military ceremony.

The traditional grand state banquet is set to follow in the castle’s St George’s Hall in the evening, with both Mr Trump and the King to give speeches as the event gets underway.

What it means for Trump – and is it worth it?

Trump’s mother would cut out and keep in a scrapbook containing pictures of the young Princess Elizabeth and her sister, Margaret Rose. It was an era before endless celebrity news, a time when public life revolved around the royals, the war, and survival.

And the president loved his mother, like many men do, so these things mean an enormous amount to him.

Read more:
No state visit has had a backdrop quite like this

Trump and Charles inspect the Guard of Honour. Pic: PA
Image:
Trump and Charles inspect the Guard of Honour. Pic: PA

When the horses go back to the stables and the carriages are put away, the impact of this visit will remain fresh in the mind of a president who may feel his nation – and maybe even he himself – have been affirmed by their ally.

Quite apart from the politics, although much will be said and written on that, there is one great hope for any state visit: that the country so many (myself included) have fought for can be safer and more successful as a result of the pomp and pageantry on display.

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Prime suspect in Madeleine McCann case slapped with strict conditions ahead of jail release

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Prime suspect in Madeleine McCann case slapped with strict conditions ahead of jail release

The suspect in the Madeleine McCann case has had strict conditions slapped on him ahead of his expected release from prison in the morning.

Christian B, who can’t be fully identified under privacy laws, will have to wear an electronic tag, surrender his passport and register his address with probation officers.

The German drifter, 49, is being freed after serving a seven-year sentence for rape, but remains the only suspect for the abduction of Madeleine, the toddler who vanished on a family holiday in Portugal in 2007.

It was not known where he would head, or who might help him adjust to a new life as the only suspect in the world’s most notorious unsolved child abduction mystery.

Prosecutor Hans Christian Wolters, who leads the Madeleine investigation, believes Christian B, 49, abducted and murdered the three-year-old during a family holiday in Portugal in 2007.

Madeleine vanished from her bed in a rented apartment as her parents and their friends dined nearby at the hotel complex in Praia da Luz on the Algarve coast.

Madeleine McCann
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Madeleine McCann

Earlier this week it emerged the Metropolitan Police had sent a formal “international letter of request” to Christian B in order for them to interview him – but he rejected it.

More on Madeleine Mccann

Explainer: The chequered history of Christian B

In the past few days, a probation case conference decided on the restrictions which his lawyers are expected to challenge.

His lawyer Philipp Marquort said: “This is an attempt by the public prosecutor’s office to keep him in a kind of pre-trial detention where they would have access to him at any time.”

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How could Christian B refuse to be interviewed by the Metropolitan Police?

Christian B has denied any involvement in Madeleine’s disappearance.

Madeleine, who was nearly four, was sleeping in a room with her younger twin siblings when she went missing.

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Trump’s state visit begins as Epstein images beamed on to Windsor Castle

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Trump's state visit begins as Epstein images beamed on to Windsor Castle

Donald Trump has arrived in the UK for his second state visit, telling reporters Britain is “a very special place”.

But as he headed to the residence of the US ambassador to the UK in central London to spend Tuesday night, giant projections of the president alongside paedophile Jeffrey Epstein were beamed on to Windsor Castle by protesters.

It is there he will meet with King Charles later today.

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Projection on to Windsor Castle highlights Trump-Epstein links

Four people were arrested on “suspicion of malicious communications” after the images of Mr Trump and Epstein appeared on the landmark, Thames Valley Police said.

Mr Trump has faced mounting questions about his relationship with the disgraced late billionaire after messages allegedly sent to him by the president were published by Congress earlier this month.

The apparent notes – which Mr Trump denies having written – appeared in a 2003 “birthday book” for Epstein which also included messages from Peter Mandelson, who has since been sacked as Sir Keir Starmer’s ambassador to the US over his ties to the financier.

Trump's mugshot was also beamed on to the castle. Pic: Reuters
Image:
Trump’s mugshot was also beamed on to the castle. Pic: Reuters

Foreign Secretary Yvette Cooper was among those who greeted the president and First Lady Melania as they disembarked their official plane at Stansted airport on Tuesday evening.

An honour guard of RAF personnel from The King’s Colour Squadron lined up as he stepped off the plane.

Trump and First Lady Melania Trump disembark Air Force One. Pic: Reuters
Image:
Trump and First Lady Melania Trump disembark Air Force One. Pic: Reuters

Trump excited to see ‘my friend’ Charles

Speaking to reporters mid-flight, Trump said: “My relationship is very good with the UK, and Charles, as you know, who’s now King, is my friend.

“It’s the first time this has ever happened where somebody was honoured twice. So, it’s a great honour.”

He told the journalists “everybody is looking forward to it. You’re going to have the best pictures”.

The president speaks to reporters on his way over. Pic: Reuters
Image:
The president speaks to reporters on his way over. Pic: Reuters

To mark the president’s arrival, a new UK-US tech deal was announced that could generate billions of pounds of investment for Britain.

Sir Keir – who will host Mr Trump at his Chequers country retreat tomorrow – said the deal would deliver “growth, security and opportunity up and down the country”.

What will happen today?

The Prince and Princess of Wales will greet the president and his wife in the grounds of the Windsor estate in the morning, before accompanying them to meet the King and Queen for an open-air greeting.

Mr and Mrs Trump, the King, Camilla, William, and Kate will then take part in a carriage procession through the estate to the castle, with the carriage ride joined by the Household Cavalry Mounted Regiment, which will provide a Sovereign’s Escort, as well as members of the armed forces and three military bands.

A ceremonial welcome with a guard of honour will be staged in the quadrangle of the castle, as is customary, followed by lunch with the royal family and a visit to see a Royal Collection exhibition within the castle.

The president and his wife will then visit St George’s Chapel privately on Wednesday afternoon to lay a wreath on the tomb of Queen Elizabeth II, whom they both met on their first state visit.

They will then be treated to a flypast by the Red Arrows alongside UK and US F-35 military jets on the east lawn at Windsor Castle, as well as a special Beating Retreat military ceremony.

They will then be treated to a flypast by the Red Arrows alongside UK and US F-35 military jets on the east lawn at Windsor Castle, as well as a special Beating Retreat military ceremony.

The traditional grand state banquet is set to follow in the castle’s St George’s Hall in the evening, with both Mr Trump and the King to give speeches as the event gets underway.

The “tech prosperity deal”, announced as Mr Trump touched down, will see the UK and US co-operate in areas including artificial intelligence (AI), quantum computing and nuclear power.

It comes alongside £31bn of investment in Britain from top US tech firms, including £22bn from Microsoft.

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Mark Stone on the significance of Trump’s trip

‘I’m into helping Britain’

It also follows the agreement of an economic deal in May that covered a reduction in some of Mr Trump’s tariffs.

However, the government is understood to have given up hope – for now at least – of reducing the president’s levy on steel back down to zero. It currently stands at 25%.

Mr Trump had hinted at possible tariff relief for British steel as he boarded Air Force One, telling reporters he was “into helping” Britain on refining the trade deal signed earlier this year.

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