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Joint mortgages can be used as a “weapon” by domestic abusers against their current or former partners, a charity has warned.

A report by Surviving Economic Abuse (SEA) said survivors of domestic abuse have been left with mortgage arrears, low credit ratings, and housing and economic insecurity.

At times, they said abusers have made their victims homeless by refusing to pay, agreeing to new terms, or selling up a joint mortgage.

One woman told the charity she is still in a joint mortgage with her former husband despite leaving him a decade ago.

“I can’t sell the property without his permission and, at any point, he can use his position to stop me from making mortgage repayments by withholding child support payments,” she said.

“Me and my children remain trapped in a mortgage prison with no way out.”

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The SEA report said 78% of women who experienced mortgage abuse felt unable to leave for fear of an unsafe living arrangement
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Sam Smethers, interim chief executive of SEA, has now called for new laws to protect victims and for financial services firms to make it harder for perpetrators to use joint mortgages to cause harm.

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“Mortgage abuse is a hidden crime that’s destroying the lives of hundreds of thousands of survivors,” he said.

“Right now, banks are limited in what they can do to stop abusers from causing a lifetime of debt and homelessness for survivors.

“While banks can do more to support survivors within current rules, only an urgent law change can stop abusers from destroying lives.

“We urge the government to set up an economic abuse task force to prevent abusers from weaponising joint mortgages.”

Read more:
Victims to receive ‘flee funds’ to escape abusive partners

Survivors forced to stay with abusers during cost of living crisis

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The report – called Locked into a Mortgage, Locked out of my Home – referenced a survey by Opinium of more than 1,000 women who had a joint mortgage, carried out in the last two years.

It found 78% of women who experienced mortgage abuse from a partner felt unable to leave for fear of an unsafe living arrangement.

One in eight women – or 12% – said they experienced at least one aspect of abuse, and nearly half – 49% – said they had to cut back on essentials to cover their mortgage repayments.

Nine in 10 said their mental health suffered as a result of mortgage abuse, with 89% of respondents saying they experienced anxiety, depression, panic attacks or suicidal thoughts.

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Fiona Turner, head of vulnerability policy at UK Finance, said: “We know that more needs to be done with support from regulators and government.”

She added UK Finance has recommended mortgage lenders “review their policies to allow more flexibility when a victim-survivor is dealing with issues around an existing joint mortgage as lenders must currently show an equal responsibility to both borrowers”, and said a government task force is needed to address legal issues for lenders.

A government spokesperson said: “We recognise the devastating impact financial and economic abuse can have on victims, which is why this year we are providing £200,000 to Surviving Economic Abuse to raise awareness and support victims.

“The numbers in this report, which we are now considering, are stark and show how vital our mission to halve violence against women and girls in a decade is.”

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Nationwide police operation on grooming gangs announced

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Nationwide police operation on grooming gangs announced

A nationwide police operation to track down those in grooming gangs has been announced by the Home Office.

The National Crime Agency (NCA) will target those who have sexually exploited children as part of a grooming gang, and will investigate cases that were not previously progressed.

Home Secretary Yvette Cooper said in a statement: “The vulnerable young girls who suffered unimaginable abuse at the hands of groups of adult men have now grown into brave women who are rightly demanding justice for what they went through when they were just children.

“Not enough people listened to them then. That was wrong and unforgivable. We are changing that now.

“More than 800 grooming gang cases have already been identified by police after I asked them to look again at cases which had closed too early.

“Now we are asking the National Crime Agency to lead a major nationwide operation to track down more perpetrators and bring them to justice.”

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Starmer to launch new grooming gang inquiry

The NCA will work in partnership with police forces around the country and specialist officers from the Child Sexual Exploitation Taskforce, Operation Hydrant – which supports police forces to address all complex and high-profile cases of child sexual abuse – and the Tackling Organised Exploitation Programme.

It comes after Sir Keir Starmer announced a national inquiry into child sex abuse on Saturday, ahead of the release of a government-requested audit into the scale of grooming gangs across the country, which concluded a nationwide probe was necessary.

The prime minister previously argued a national inquiry was not necessary, but changed his view following an audit into group-based child sexual abuse led by Baroness Casey, set to be published next week.

Ms Cooper is set to address parliament on Monday about the findings of the near 200-page report, which is expected to warn that white British girls were “institutionally ignored for fear of racism”.

One person familiar with the report said it details the institutional failures in treating young girls and cites a decade of lost action from the Independent Inquiry into Child Sexual Abuse (IICSA), set up in 2014 to investigate grooming gangs in Rotherham.

The report is also expected to link illegal immigration with the exploitation of young girls.

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Kemi Badenoch, the Conservative leader, said on Saturday that Sir Keir should recognise “he made a mistake and apologise for six wasted months”.

Speaking to Sky’s Sunday Morning With Trevor Phillips, Chancellor Rachel Reeves refused to say if the government will apologise for dismissing calls for a national public inquiry into grooming gangs.

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Rachel Reeves on Sunday Morning With Trevor Phillips

She said: “What is the most important thing here? It is the victims, and it’s not people’s hurt feelings about how they have been spoken about.”

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Career spy Blaise Metreweli to become first woman to head MI6

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Career spy Blaise Metreweli to become first woman to head MI6

Career spy Blaise Metreweli will become the first woman to head MI6 in a “historic appointment”, the prime minister has announced.

She will take over from Sir Richard Moore as the 18th Chief, also known as “C”, when he steps down in the autumn.

“The historic appointment of Blaise Metreweli comes at a time when the work of our intelligence services has never been more vital,” Sir Keir Starmer said in a statement released on Sunday night.

“The United Kingdom is facing threats on an unprecedented scale – be it aggressors who send their spy ships to our waters or hackers whose sophisticated cyber plots seek to disrupt our public services.”

Of the other main spy agencies, GCHQ is also under female command for the first time.

Anne Keast-Butler took on the role in 2023, while MI5 has previously twice been led by a woman.

Until now, a female spy chief had only headed MI6 – also known as the Secret Intelligence Service (SIS) – in the James Bond movies.

A motorboat passes by the MI6 building in Vauxhall, London. Pic: Reuters
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Blaise Metreweli is the first woman to be named head of MI6. Pic: Reuters

Dame Judi Dench held the fictional role – called “M” in the films instead of “C” – between 1995 and 2015.

Ms Metreweli currently serves as “Q”, one of four director generals inside MI6.

The position – also made famous by the James Bond films, with the fictional “Q” producing an array of spy gadgets – means she is responsible for technology and innovation.

Ms Metreweli, a Cambridge graduate, joined MI6 in 1999.

Unlike the outgoing chief, who spent some of his service as a regular diplomat in the foreign office, including as ambassador to Turkey, she has spent her entire career as an intelligence officer.

Much of that time was dedicated to operational roles in the Middle East and Europe.

Ms Metreweli, who is highly regarded by colleagues, also worked as a director at MI5.

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In a statement, she said she was “proud and honoured to be asked to lead my service”.

“MI6 plays a vital role – with MI5 and GCHQ – in keeping the British people safe and promoting UK interests overseas,” she said.

“I look forward to continuing that work alongside the brave officers and agents of MI6 and our many international partners.”

Sir Richard said: “Blaise is a highly accomplished intelligence officer and leader, and one of our foremost thinkers on technology. I am excited to welcome her as the first female head of MI6.”

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Woman, 23, dies after falling in water at beauty spot in Scottish Highlands

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Woman, 23, dies after falling in water at beauty spot in Scottish Highlands

A woman has died after falling into the water at a popular beauty spot in the Scottish Highlands.

The 23-year-old had fallen into the water in the Rogie Falls area of Wester Ross.

Police Scotland confirmed emergency services attended the scene after being called at 1.45pm on Saturday.

“However, [she] was pronounced dead at the scene,” a spokesperson said.

“There are no suspicious circumstances and a report will be submitted to the Procurator Fiscal.”

Rogie Falls are a series of waterfalls on the Black Water, a river in Ross-shire in the Highlands of Scotland. They are a popular attraction for tourists on Scotland’s North Coast 500 road trip.

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