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Chloe Leighton is crammed into the disabled toilet of a busy pub, pleading on the phone with her social worker to find her a place to stay for the night.

She records the conversation because she doesn’t trust anyone anymore. What makes her situation even more perilous is that Chloe is disabled and autistic.

Until recently, the 33-year-old’s life was happy and stable.

Chloe Leighton ended up on the streets after her father was unable to care for her
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Chloe Leighton ended up homeless after her father was unable to care for her

Then last November, her father had a stroke and was unable to care for her, leaving her alone.

“Dad would keep me safe from all these people. He was the barrier,” she says.

Due to her vulnerabilities, her local council in Buckinghamshire had a legal duty to find her emergency accommodation and social care support – except she says that hasn’t happened.

Chloe with her father who used to care for her
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Chloe with her father

At first, the council, then friends and family paid for hotel accommodation, but the money ran out and now Chloe has nowhere to go. 

“Nobody knows what to do with me,” she explains. “I fall through the gaps.”

‘Mould and antisocial behaviour’

The law says that any accommodation must be suitable for Chloe’s needs, but if she refuses somewhere, the council doesn’t have to do anymore to house her – but it can still support her.

So when the council offered her a place in a hostel with a bad reputation in a rural location she refused it.

Chloe was offered a place in this rural hostel with a reputation for antisocial behaviour
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Chloe was offered accommodation here by the council

Around 160,000 households live in temporary accommodation in the UK – and even though it costs councils £2.3bn per year – the quality of it is often poor.

Sky News saw the hostel Chloe was offered. Residents there told us there was mould and antisocial behaviour.

They urged anyone offered a place there to turn it down.

Chloe struggled to arrange a visit to the hostel and wasn’t confident her social care needs would be met there.

A few weeks after she refused the hostel, the council wrote to her, explaining that they no longer have an obligation to find her accommodation.

The pub she was sheltering in had closed. Her friends and family could no longer pay for hotels.

With neither side backing down, Chloe faced her first night on the streets. 

Sky's Nick Martin found Chloe, pictured, living on the streets
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Chloe, pictured, took shelter in a pub when she was left with nowhere to go

That’s where I found her, scared and alone in the cold.

“I don’t know what to do, I’ve never been like this before,” she said.

I decided to phone the police.

While I was on hold, Chloe received a call from the out-of-hours housing department, who were made aware that we were filming the exchange.

Nick Martin phoned the police after finding Chloe on the streets
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Nick Martin phoned the police after finding Chloe on the streets

Chloe’s disability needs not met

After weeks of refusing to give her alternative accommodation, she was offered a place at a hotel a short distance away and she accepted.

But when she arrived, there was a problem.

The room wasn’t wheelchair accessible.

She couldn’t use the toilet in the room or anywhere else in the hotel.

Her fears of not being given suitable accommodation were realised. It was 3am.

Chloe was unable to access the bathroom in the room she was offered
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Chloe was unable to access the bathroom in the room she was offered

Read more from Sky News:
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A Buckinghamshire Council spokesperson said: “We stand by the actions of our staff and as an organisation in regard to the content featured in this piece. We take our duty of care extremely seriously in regard to any resident who presents to us with housing and/or social care need and follow process and procedures rigorously and to the letter.

“We cannot discuss details of any individual case but do recognise the incredibly difficult circumstances any individual or household will be experiencing if they have come to us for help. We keep the person at the heart of all we do, doing what we can to tailor our support offer to their individual needs.

“Some cases can be long and complex, involving various stages that may include an emergency response, other offers of support and ultimately, we aim to provide a long-term solution that meets the needs of the individual or household. At all points in the process, any individual or household has a right to decline any support or options put to them. In such circumstances the council continues to work with the individual or household to seek a solution to meet their needs, within our statutory duties and the resources available to us.”

Last year council adult social care budgets were overspent by nearly £600m, according to the Association of Directors of Adult Social Services. 

A government spokesperson told us they had “inherited a devastating housing crisis and a social care system” that they are committed to fixing.

They pointed to their provision of the “largest-ever cash boost in homeless prevention services”, adding that they were also “delivering £26bn for health and social care” and had appointed Baroness Louise Casey to lead an independent commission “to build a social care system that is fair and affordable for all”.

Chloe says the system is broken
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Chloe says the system is broken

Our few days with Chloe reveal a complicated story.

It’s about what happens when someone with complex needs comes face to face with a social care system that is chronically underfunded.

Understanding autism requires time, resources, money – something councils don’t have.

And for Chloe, it’s about trying to find some calm amid the chaos, so she can live her life.

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UK

What is the car finance scandal – and what could today’s ruling mean for motorists?

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What is the car finance scandal - and what could today's ruling mean for motorists?

The UK’s Supreme Court is set to deliver a landmark ruling today that could have billion-pound consequences for banks and impact millions of motorists.

The essential question that the country’s top court has been asked to answer is this: should customers be fully informed about the commission dealers earn on their purchase?

However, the Supreme Court is only considering one of two cases running in parallel regarding the mis-selling of car finance.

Here is everything you need to know about both cases, and how the ruling this afternoon may (or may not) affect any future compensation scheme.

File photo dated 26/3/2021 of the UK Supreme Court in Parliament Square, central London. A legal challenge over whether trans women can be regarded as female for the purposes of the 2010 Equality Act begins at the UK Supreme Court on Tuesday. The action is the latest in a series of challenges brought by the campaign group For Women Scotland (FWS) over the definition of "woman" in Scottish legislation mandating 50% female representation on public boards. Issue date: Monday November 25, 2024.
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What is the Supreme Court considering?

The Supreme Court case concerns complaints related to the non-disclosure of commission. This applies to 99% of car finance cases.

When you buy a car on finance, you are effectively loaned the money, which you pay off in monthly instalments. These loans carry interest, organised by the brokers (the people who sell you the finance plan).

These brokers earn money in the form of a commission (which is a percentage of the interest payments).

Last year, the Court of Appeal ruled in favour of three motorists who were not informed that the car dealerships they agreed finance deals with were also being paid 25% commission, which was then added to their bills.

The ruling said it was unlawful for the car dealers to receive a commission from lenders without obtaining the customer’s informed consent to the payment.

However, British lender Close Brothers and South Africa’s FirstRand appealed the decision, landing it in the Supreme Court.

Toy Car In Front Of Businessman Calculating Loan. Saving money for car concept, trade car for cash concept, finance concept.
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Pic: iStock

What does the second case involve?

The second case is being driven by the Financial Conduct Authority (FCA) and involves discretionary commission arrangements (DCAs).

Under these arrangements, brokers and dealers increased the amount of interest they earned without telling buyers and received more commission for it. This is said to have incentivised sellers to maximise interest rates.

The FCA banned this practice in 2021. However, a high number of consumers have complained they were overcharged before the ban came into force. The Financial Ombudsman Service (FOS) said in May that they were dealing with 20,000 complaints.

In January 2024, the FCA announced a review into whether motor finance customers had been overcharged because of past use of DCAs. It is using its powers to review historical motor finance commission arrangements across multiple firms – all of whom deny acting inappropriately.

The FCA also said it is looking into a “consumer redress scheme” that means firms would need to offer appropriate compensation to customers affected by the issue.

An estimated 40% of car finance deals are likely to be eligible for compensation over motor finance deals taken out between 2007 and 2021, when the DCAs were banned.

To find out how you can tell if you’ve been mis-sold car finance, read the following explainer from our reporter Megan Harwood-Baynes.

Read more from the Sky News Money blog

Pic: iStock
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Pic: iStock

How does the ruling affect potential compensation?

In short, the Supreme Court ruling could impact the scale and reach that a compensation scheme is likely to have.

The FCA said in March that it will consider the court’s decision and if it concludes motor finance customers have lost out from widespread failings by firms, it is “likely [to] consult on an industry-wide redress scheme”.

This would mean affected individuals wouldn’t need to complain, but they would be paid out an amount dictated by the FCA.

However, no matter what the court decides, the FCA could go ahead with a redress scheme.

The regulator said it will confirm if it is proposing a scheme within six weeks of the Supreme Court’s decision.

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What impact could this have on lenders?

Analysts at HSBC said last year the controversy could be estimated to cost up to £44bn.

Alongside Close Brothers, firms that could be affected include Barclays, Santander and the UK’s largest motor finance provider Lloyds Banking Group – which organises loans through its Black Horse finance arm.

Lloyds has already set aside £1.2bn to be used for potential compensation.

London, United Kingdom - January 1, 2017: Bank branch and ATM of Lloyds Bank with people around in London, England, United Kingdom

The potential impact on the lending market and the wider economy could be so great that Chancellor Rachel Reeves is considering intervening to overrule the Supreme Court, according to The Guardian.

Treasury officials have been looking at the potential of passing new legislation alongside the Department for Business and Trade that could slash the potential compensation bill.

The Treasury said in response to the claim that it does not “comment on speculation” but hopes to see a “balanced judgment”.

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Full details of Heathrow’s plans for a third runway revealed

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Full details of Heathrow's plans for a third runway revealed

Heathrow Airport has said it can build a third runway for £21bn within the next decade.

Europe’s busiest travel hub has submitted its plans to the government – with opponents raising concerns about carbon emissions, noise pollution and environmental impacts.

The west London airport wants permission to create a 3,500m (11,400ft) runway, but insists it is open to considering a shorter one instead.

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January: Third runway ‘badly needed’

In January, Chancellor Rachel Reeves announced that the government supports a “badly needed” expansion to connect the UK to the world and open up new growth opportunities.

But London mayor Sir Sadiq Khan is still against a new runway because of “the severe impact” it will have on the capital’s residents.

Under Heathrow’s proposal, the runway would be constructed to the northwest of its existing location – allowing for an additional 276,000 flights per year.

The airport also wants to create new terminal capacity for 150 million annual passengers – up from 84 million – with plans involving a new terminal complex named T5XW and T5XN.

More on Heathrow Airport

Terminal 2 would be extended, while Terminal 3 and the old Terminal 1 would be demolished.

The runway would be privately funded, with the total plan costing about £49bn, but some airlines have expressed concern that the airport will hike its passenger charges to pay for the project.

EasyJet chief executive Kenton Jarvis said an expansion would “represent a unique opportunity for easyJet to operate from the airport at scale for the first time and bring with it lower fares for consumers”.

Read more:
Who’s behind these Heathrow leaflets?
A long history of Heathrow’s third runway plans

File photo dated 29/10/12 of a plane taking off from Heathrow Airport. Heathrow has increased the number of passengers it expects to travel through the airport this year to 82.8 million, which is 1.4 million more than it predicted in December 2023. Issue date: Tuesday April 23, 2024.

Thomas Woldbye, the airport’s chief executive, said in a statement that “it has never been more important or urgent to expand Heathrow”.

“We are effectively operating at capacity to the detriment of trade and connectivity,” he added.

“With a green light from government and the correct policy support underpinned by a fit-for-purpose, regulatory model, we are ready to mobilise and start investing this year in our supply chain across the country.

“We are uniquely placed to do this for the country. It is time to clear the way for take-off.”

The M25 motorway would need to be moved into a tunnel under the new runway under the airport’s proposal.

Airplanes remain parked on the tarmac at Heathrow International Airport.
Pic: Reuters
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Pic: Reuters

London mayor still opposed

Sir Sadiq says City Hall will “carefully scrutinise” the proposals, adding: “I’ll be keeping all options on the table in how we respond.”

Tony Bosworth, climate campaigner at Friends of the Earth, also said that if Sir Keir Starmer wants to be “seen as a climate leader”, then backing Heathrow expansion is “the wrong move”.

Earlier this year, Longford resident Christian Hughes told Sky News that his village and others nearby would be “decimated” if an expansion were to go ahead.

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January: Village to be levelled for new runway

It comes after hotel tycoon Surinder Arora published a rival Heathrow expansion plan, which involves a shorter runway to avoid the need to divert the M25 motorway.

The billionaire’s Arora Group said a 2,800m (9,200ft) runway would result in “reduced risk” and avoid “spiralling cost”.

Transport Secretary Heidi Alexander will consider all plans over the summer so that a review of the Airports National Policy Statement can begin later this year.

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It also comes after Sky News reported on a Heathrow Airport-funded group sending leaflets supporting a third runway to thousands of homes across west London.

The group, called Back Heathrow, sent leaflets to people living near the airport, claiming expansion could be the route to a “greener” airport and suggesting it would mean only the “cleanest and quietest aircraft” fly there.

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Who’s behind these Heathrow leaflets?

Opponents of the airport’s expansion said the information provided by the group is “incredibly misleading”.

Back Heathrow told Sky News it had “always been open” about the support it receives from the airport. The funding is not disclosed on Back Heathrow’s newsletter or website.

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UK

Man, 76, arrested on suspicion of administering poison at summer camp after eight children taken to hospital

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Man, 76, arrested on suspicion of administering poison at summer camp after eight children taken to hospital

A 76-year-old man has been arrested on suspicion of administering poison at a summer camp which led to eight children being taken to hospital, police said.

Police received reports of children feeling unwell at a summer camp in Canal Lane, Stathern, Leicestershire, on Monday.

Paramedics assessed eight children, who were taken to hospital as a precaution and have all now been discharged.

The suspect was arrested at the camp and remains in custody on suspicion of administering poison with intent to injure/aggrieve/annoy.

Detective Inspector Neil Holden said: “We understand the concern this incident will have caused to parents, guardians and the surrounding community.

“We are in contact with the parents and guardians of all children concerned.

“Please be reassured that we have several dedicated resources deployed and are working with partner agencies including children’s services to ensure full safeguarding is provided to the children involved.

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“We also remain at the scene to carry out enquiries into the circumstances of what has happened and to continue to provide advice and support in the area.

“This is a complex and sensitive investigation and we will continue to provide updates to both parents and guardians and the public as and when we can.”

The force said it has referred itself to the Independent Office for Police Conduct (IOPC) over what it said was the “circumstances of the initial police response”.

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