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It’s early on a Monday morning and the sliding doors to the office of Hastings Council haven’t stopped moving backwards and forwards. This is where the homeless come in desperation.

Eunice Dolby is sitting in the waiting area surrounded by suitcases containing all of her possessions.

The 77-year-old lost her husband last year and now she’s lost her home.

After 18 years as a tenant, her landlord used a Section 21 “no-fault” eviction notice to get her out.

Eunice was left homeless
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It’s the first time 77-year-old Eunice Dolby has been made homeless

“The bailiffs turned up at quarter past 10,” she says.

“I’ve always had somewhere to live. I’ve never been on the streets in my life.”

As she’s describing what happened, her head lowers and she catches her breath.

“I kept it clean and tidy, I’ve left it spotless. I never thought I’d be homeless.”

Sky's Nick Martin speaks to Eunice
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After 18 years as a tenant, Eunice’s landlord used a Section 21 eviction notice to remove her

Eunice carries her belongings
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Eunice carries her belongings out on to the streets

A few minutes later, 18-year-old Leah Gartside comes through the door with her 14-month-old baby Livia in a buggy. They’ve been living with her parents who’ve also got a Section 21 notice – the landlord wants to sell up.

“We’ve been good tenants, there’ve been no complaints. We love living there, we’ve been there for 16 years,” she says.

Leah’s come to get help before things get worse and the bailiffs are on the doorstep.

Leah and her daughter Livia
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Leah, 18, and her 14-month-old daughter Livia

Leah's daughter Livia
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Leah, Livia and her parents were living happily together until they got a Section 21 notice

I’m told that this is a typical Monday morning for the on-duty housing officers. I’m here to spend some time with them, to understand why Britain is gripped by a housing crisis that is causing misery for thousands of people.

And local councils are bearing the brunt because they have a legal duty to put a roof over the heads of homeless people eligible for help.

Housing officer and Leah
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Housing officer Phil with Leah

“I would say the one biggest stress in life is losing your home and not knowing where you’re going to sleep from one night to the next,” says the duty officer, Phil Veness.

He has pages and pages of appointments booked on his screen, plus they handle emergencies like Eunice.

Leah is working but she cannot afford to rent from a private landlord in Hastings.

England map

Winner and losers

The seaside town has boomed in the last few years with an increasing number of boutiques, restaurants and bars. Hybrid working after COVID means more people can live by the coast and commute into London.

House prices have seen the biggest relative rise than anywhere else in England over the last decade. Tourism is worth £288m a year.

And there are now around 1,000 Airbnb properties to rent. Passing estate agent windows, you can see the high price for small flats up for rent, often over £1,000 a month.

But popularity has a price. There are not enough homes to go around.

For sale signs in Hastings.

As in many coastal towns, the rental market is broken. Homes that are available cost a lot of money. New analysis by the Joseph Rowntree Foundation (JRF) shows that housing benefit was paying a quarter of all private rents in Hastings.

The housing benefit bill here is £28m a year and 22% of those properties are substandard.

In England, landlords who rent out homes which are below the decent homes standard receive £1.6bn in house benefits per year, (equivalent to £1 in every £5 spent on housing benefit in the private rented sector).

In other words, according to the JRF, benefits are subsidising poor quality homes.

Hastings map

Darren Baxter, principal policy adviser at JRF, says: “Taxpayers and local councils shouldn’t be footing the bill for poor-quality properties owned by private landlords.

“We need to get this dysfunctional system working again. Strategically bringing private homes back into social ownership is a rapid way to fix this crisis.”

But it’s still not enough. Housing benefit is calculated to reflect the local private rental market – the amount given from central government has been frozen since 2020 and will only go up from next month. It has not kept pace with rents.

This means that in Hastings, like many other parts of the country, there is a gap between the amount of benefit paid and rents charged.

I was told that some landlords have been known to evict their tenants, make their property available for temporary accommodation at a higher rate only then to house tenants who have been made homeless in the first place.

Section 21 evictions

‘I worry about the kids’

Chelsea Braiden is surrounded by bags and boxes again. Last year she and her two sons Harley, aged seven, and Jesse, six, were evicted from the flat they were renting because the landlord wanted the property back. And now they are packing up again.

“I’m stressed because I worry about the kids. That we’re not going to have the right suitable home before things get hard,” Chelsea says.

The stakes are high for Chelsea and she really needs a suitable home to live in because both of her boys are very ill.

Chelsea has two sons
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Chelsea needs spacious accommodation for her two sons, who suffer from Duchenne muscular dystrophy

Harley and Jesse have Duchenne Muscular Dystrophy, a severe muscle-wasting disease that gets worse over time. They will both need wheelchairs and help breathing. There is no cure. It’s likely they won’t live beyond the age of 30.

“I think it’s going to be difficult to find that suitable property that is big enough for both of these kids to live in. It’s not going to be just for now. It’s got to be until they pass away.”

They are living in a tiny bungalow on the edge of town. The doors aren’t wide enough for wheelchairs.

“You just worry that you’re not going to give them the best life that they should have. You see other children that age and they have decent homes, where they can be kids. My kids can’t just be kids, that’s what’s so difficult.

“And while they’re still walking, I want to give them what they need as kids.”

Read more:
Families housed in single rooms beyond legal time limit
The horror of living in a damp ridden home
The housing battle – which party will get Britain building?

National picture is bleak

There are 500 households living in temporary accommodation in Hastings and it’s costing the council a fortune. In 2019, the council spent £730,000 on temporary accommodation.

Within the next year, the council estimates that bill will rise to £5.6m. This is a third of the total budget for the whole town – pushing the council to the brink of bankruptcy.

Nationally, the picture is also bleak. Analysis by the Local Government Association shows that the number of households living in temporary accommodation is the highest since records began in 1998, costing councils at least £1.74bn in 2022/23.

But there are glimmers of hope. After packing up, Chelsea’s taking her sons to see their new house for the first time. It’s a bright modern property with a downstairs bathroom and easier access for the boys.

Their housing officer, Vanessa Stock, has relocated four households to make the move possible. But it is still temporary.

Vanessa Stock, housing officer
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Housing officer Vanessa Stock with Chelsea

Chelsea says she has looked for private rentals but cannot afford it. She works part-time around school hours, but it’s not enough.

Like thousands of others, she is priced out of the market.

Temporary accommodation numbers

Waiting game

There are more than a million people in England waiting for something more permanent – affordable social housing. The rent for social housing is linked to local wages so cheaper than a private landlord. Tenancies are also more secure.

Housing manager Alan Sheppard shows what he calls the “housing register”. It is effectively the waiting list for a house.

On this day there are just six available properties for 1,500 households.

“So as you can see, the supply is nowhere meeting the demand,” Alan says.

Alan Sheppard
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Housing officer Alan Sheppard says ‘supply is nowhere meeting the demand’

‘I don’t get anywhere’

On the other side of town is a former nursing home that has been converted into bedsits.

In the communal hallway some pushchairs are parked up. Most of the bedsits are for homeless mums and their children. Like 20-year-old Jessica, who lives in a small room with her two-year-old son Leo. This is the only home he has ever known.

Jessica is used to this. She has been stuck in temporary housing for five years since she was 15. She knows the housing register system well. She is one of the 1,500 households clicking and hoping, week after week.

“When I became homeless, we went to about five estate agents in town. Everywhere we walked into turned us down.

“I wake up and wait. I wonder if I am going to get a house today. I bid and get nowhere. I get excited thinking maybe I am going to get lucky. But I don’t get anywhere.”

And she’s worried about her son, Leo.

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Two-year-old grows up living in one room

“He’s so used to being in a trapped room that the outside world for him is hard to deal with,” says Jessica.

“Even just going for a walk or going out to a playgroup is strange for him.”

And as each day passes, the council must pay for the accommodation.

Buying back

One solution is to roll back the clock.

In the 1980s, millions of council houses were sold to tenants under the Right to Buy scheme. Now many councils are buying back the homes they once owned to cope with the crisis.

This has been possible with the help of government money. The £1.2bn Local Authority Housing Fund has been split between 203 councils – partly to house Ukranian and Afghan refugees, but also help others in poor quality, expensive temporary accommodation.

Hastings Council has used this, alongside the Move on Fund to fund the purchase of 50 houses along with their own budget.

“Needs must,” says Chris Hancock, director of housing at Hastings Borough Council.

Chris Hancock
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Chris Hancock, director of housing at Hastings Council, says 50 houses have been bought back with the help of government funding

He shows one of the three-bed, ex-council houses with a garden that was bought back from the open market last year.

“We can either keep going, spending £500 a week on temporary accommodation, which just isn’t good enough, or bite the bullet and start building up our portfolio again…

“We can’t afford for people to be in emergency accommodation. We don’t want people living in one room in bed and breakfasts. We want people to be in a home.”

Share of budget on temporary accommodation

The government says it’s committed to delivering 300,000 homes a year, including spending £11.5bn on affordable homes.

In 2021/22, just 7,528 new social homes were delivered. Nowhere near enough for the 1.1 million people on the waiting list.

Empty houses

A block of flats in a pretty, leafy part of Hastings lies empty. It is owned by Orbit, a local housing association.

Clifton Court
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Clifton Court (two central blocks) lie empty in Hastings

Local campaigner Grace Lally is using colourful chalk spray to emblazon walls with slogans questioning why this block is empty.

She says Orbit is deliberately neglecting social housing stock so that it can be sold privately for profit.

“Last summer the people living here were moved out – the housing association said the flats didn’t meet modern thermal efficiency standards. Most of the houses in Hastings are probably not up to modern thermal efficiency standards,” she said.

“It’s just another drain of social housing out of the system. [There are] 53 flats that could be going to people who are on the waiting list. This is a scam. This is not okay.”

Grace Lally
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Local campaigner Grace Lally says local housing associations are deliberately neglecting social housing stock in favour of selling privately for profit

A spokesperson for Orbit said: “Orbit is a not-for-profit housing association. We will therefore aim to provide as much affordable housing on the site as planning and environmental decisions allow.

“We took the decision to decommission Clifton Court with plans to redevelop the scheme into new affordable homes given the existing building could no longer meet customers’ needs… We cannot confirm what proportion of the new development will be earmarked for social housing as this will form part of the planning process.”

The mainstream political parties agree on the need for more homes to be built.

The government says it’s “on track” to meet its manifesto commitment of building one million more homes before the end of this parliament and defended the use of temporary accommodation.

A spokesperson for the Department for Levelling Up, Housing and Communities said: “Temporary accommodation is a vital safety net to make sure families are not left without a roof over their heads. Figures show that the majority of families who have been in temporary accommodation for long periods of time are living in council-owned properties or private rented sector homes rented by the local authority. This provides a suitable home whilst families wait for settled accommodation, and councils have a responsibility to help families find this as quickly as possible.

“That’s why we are giving them £1.2bn over three years through the Homelessness Prevention Grant, and our £11.5bn Affordable Homes Programme will go further to deliver thousands more affordable homes to rent and buy across the country.”

Leah and her daughter Livia
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There is a six-year wait for a three-bedroom flat

Angela Rayner, Labour’s deputy leader and shadow housing secretary is making big promises ahead of the election.

“After 14 years of failure, the Conservatives have utterly failed to deliver the safe, secure and affordable homes Britain needs,” she said.

“Labour will put an end to the Tories’ housing emergency by ending the scourge of no-fault evictions, getting Britain building again with 1.5 million new homes, and delivering the biggest boost to affordable, social and council housing for a generation.”

No quick fix

Back at the front desk, Phil has nearly completed his meeting with Leah, the single mum we met at the council offices in the morning.

She is just the latest in a long line of people who need a home.

Phil says: “For a one-person property the average waiting time in Hastings is four years.

“For a two-bedroom place, it’s five years. And for a three-bedroom, it’s six years.”

Leah shakes her head. Her journey into the unknown is just beginning.

This is the first special report in Faultlines, a Sky News series that aims to explore some of the biggest issues facing Britain in an election year.

You can watch Nick Martin’s full report today at 10.30am, 12.30pm, 2.30pm and 6.30pm on Sky News, in the video above or on YouTube.

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Lloyds closes in on £120m takeover of fintech Curve

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Lloyds closes in on £120m takeover of fintech Curve

Britain’s biggest high street lender is closing in on a deal to buy Curve, a provider of digital wallet technology that its new owner hopes will give it an edge in the race to build smarter online payments systems.

Sky News has learnt that Lloyds Banking Group could announce the acquisition of Curve for about £120m as soon as this week.

City sources said this weekend that the terms of a transaction had been agreed, although a formal announcement could yet slip to later in the month.

Lloyds has been in talks with Curve about a takeover for some time, with Sky News revealing that discussions were taking place in July.

The financial services giant, which owns the Halifax brand and operates the biggest bank branch network in the UK, believes Curve’s digital wallet platform will be a valuable asset amid growing regulatory pressure on Apple to open its payment services to rivals.

Curve was founded by Shachar Bialick, a former Israeli special forces soldier, in 2016, and was hailed as one of Britain’s most promising fintechs.

Three years later, Mr Bialick told an interviewer: “In 10 years’ time we are going to be IPOed [listed on the public equity markets]… and hopefully worth around $50bn to $60bn.”

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The sale price may therefore be a disappointment to long-standing Curve shareholders, given that it raised £133m in its Series C funding round, which concluded in 2023.

That round included backing from Britannia, IDC Ventures, Cercano Management – the venture arm of Microsoft co-founder Paul Allen’s estate – and Outward VC.

Curve was also reported to have raised more than £40m last year, while reducing employee numbers and suspending its US expansion.

In total, the company has raised more than £200m in equity since it was founded.

Curve is being advised by KBW, part of the investment bank Stifel, on the discussions with Lloyds.

The company is chaired by the City grandee Lord Fink, who is also a shareholder in the company.

Curve has been positioned as a rival to Apple Pay in recent years, having initially launched as an app enabling consumers to combine their debit and credit cards in a single wallet.

Curve Pay is a digital wallet, which combines a person's credit and debit cards into a single wallet
Image:
Curve Pay is a digital wallet, which combines a person’s credit and debit cards into a single wallet

Lloyds is said to have identified Curve as a strategically attractive bid target as it pushes deeper into payments infrastructure under chief executive Charlie Nunn.

In March, the Financial Conduct Authority and Payment Systems Regulator began working with the Competition and Markets Authority to examine the implications of the growth of digital wallets owned by Apple and Google.

Lloyds owns stakes in a number of fintechs, including the banking-as-a-service platform Thought Machine, but has set expanding its tech capabilities as a key strategic objective.

The group employs more than 70,000 people and operates more than 700 branches across Britain.

Curve is chaired by Lord Fink, the former Man Group chief executive who has become a prolific investor in British technology start-ups.

Read more from Sky News:
Unions demand no retreat on workers’ rights
Tube strikes: Everything you need to know

When he was appointed to the role in January, he said: “Working alongside Curve as an investor, I have had a ringside seat to the company’s unassailable and well-earned rise.

“Beginning as a card which combines all your cards into one, to the all-encompassing digital wallet it has evolved into, Curve offers a transformative financial management experience to its users.

“I am proud to have been part of the journey so far, and welcome the chance to support the company through its next, very significant period of growth.”

IDC Ventures, one of the investors in Curve’s Series C funding round, said at the time of its last major fundraising: “Thanks to their unique technology… they have the capability to intercept the transaction and supercharge the customer experience, with its Double Dip Rewards, [and] eliminating nasty hidden fees.

“And they do it seamlessly, without any need for the customer to change the cards they pay with.”

News of the talks between Lloyds and Curve comes days before Rachel Reeves, the chancellor, is expected to outline plans to bolster Britain’s fintech sector by endorsing a concierge service to match start-ups with investors.

Lloyds declined to comment, while Curve has been contacted for comment.

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Unions demand no retreat on workers’ rights after Rayner quits

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Unions demand no retreat on workers' rights after Rayner quits

Union leaders are demanding no eleventh-hour retreat by the government on workers’ rights now their champion Angela Rayner is no longer in the cabinet.

As delegates gather in Brighton for the TUC’s annual conference, the movement’s leadership is claiming four million people – one in eight of the UK workforce – are in “pervasive” insecure work.

And union bosses are urging the government to stand firm and reject attempts by Tories and Liberal Democrats to weaken the former deputy prime minister’s Employment Rights Bill in its final stages in parliament.

The TUC’s general secretary, Paul Nowak, has claimed Ms Rayner, who resigned on Friday over unpaid stamp duty on a seaside flat, was a victim of misogyny and was being hounded out by right-wing politicians and right-wing media.

Paul Nowak believes Angela Rayner was a victim of misogyny
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Paul Nowak believes Angela Rayner was a victim of misogyny


As well as Ms Rayner leaving the government, the other minister driving the bill through parliament, Jonathan Reynolds, was demoted in Sir Keir Starmer’s cabinet reshuffle from the senior post of business secretary to chief whip.

Until last week, Ms Rayner had been expected to deliver the keynote Labour Party speech at the TUC on Tuesday, but it emerged midweek that the education secretary, Bridget Phillipson, would be the speaker.

However, in Friday’s reshuffle she lost responsibility for adult skills – a key issue for the unions – to the new work and pensions secretary Pat McFadden, who will now head a new, beefed-up super-ministry promoting growth.

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And ironically, the TUC conference in Brighton is taking place less than two miles from the luxury seaside flat in Hove, on which Ms Rayner’s avoidance of £40,000 in stamp duty led to her resignation as deputy PM, housing secretary and Labour deputy leader.

Just before parliament’s summer recess, the House of Lords backed by 304 votes to 160 a Tory-led amendment to Ms Rayner’s bill to reduce the qualifying period for unfair dismissal claims from two years to six months, rather than from day one, as proposed by Ms Rayner.

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The rise and fall of Angela Rayner

Third reading of the bill in the Lords was last Wednesday, the day of Ms Rayner’s Sky News confession, and the bill is now set for parliamentary ping-pong, assuming the government overturns the Lords’ amendments in the Commons.

But in a pre-conference interview with Sky News, TUC chief and Rayner supporter Mr Nowak demanded no diluting of her bill, which also includes banning zero hours contracts which exploit workers and fire and rehire.

Read more:
Despite her exit, Rayner remains a powerful force
What a moment for Shabana Mahmood
Cooper picking up the reins at a challenging time

“We are now at a crucial stage in the delivery of the Employment Rights Bill, just weeks away from Royal Assent,” said Mr Nowak. “And our clear message to the government will be to deliver the bill and deliver it in full.

“Ignore the amendments from the unelected peers, Tory and Lib Dem peers in the House of Lords, that are aimed at gutting the legislation, weakening workers’ rights.

“Stand with the British public, deliver decent employment rights. That’s important in workplaces up and down the country, but it’s important because these are proposals that are popular with the British public as well.”

Education Secretary Bridget Phillipson will be making a speech at the TUC's conference
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Education Secretary Bridget Phillipson will be making a speech at the TUC’s conference

The TUC says its analysis shows low-paid jobs in occupations such as the care, leisure and service sectors account for 77% of the increase in insecure jobs since 2011.

Black and ethnic minority ethnic workers account for 70% of the explosion in insecure work, according to the TUC, and southwest England and Yorkshire and Humber are insecure work hotspots.

Mr Nowak told Sky News: “We’ve got well over a million people now on zero-hours contracts. We’ve got millions of people who don’t have sick pay from day one and 70% of the kids who live in poverty have parents who go out to work.

“The government is absolutely right to be focused on making work pay. And the Employment Rights Bill is about putting more money in the pockets of working people, giving people more security at work.

“That’s good for workers, but it’s also good for good employers as well, so they’re not undercut by the cowboys.”

Speaking to Sky News last Wednesday, shortly after Ms Rayner’s tearful confession to Sky’s political editor Beth Rigby, Mr Nowak said: “There’s a real heavy dose of misogyny when it comes to Angela.

“Angela Rayner is playing a really important role in government and I wouldn’t want to see her hounded out of an important role by right-wing politicians and the right-wing media, who frankly can’t handle the fact that a working-class woman is our deputy prime minister.”

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Tube strikes: Full list of dates and lines affected in September walkout

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Tube strikes: Full list of dates and lines affected in September walkout

Londoners face almost a week of travel disruption when Underground workers go on strike next week.

There will be limited or no services for several days, and those services that are still running are expected to be busier than usual.

Members of the Rail, Maritime and Transport union (RMT) voted overwhelmingly for strike action after nine months of negotiations failed to resolve a long-running dispute over pay and conditions.

Transport for London (TfL) has offered a 3.4% pay rise which it described as “fair” but said it cannot afford to meet the RMT’s demand for a cut in the 35-hour working week.

Further talks have also failed to end in an agreement, but Nick Dent, London Underground’s director of customer operations, said it was not too late to call off the strikes before causing chaos in the capital.

Here is all you need to know.

When are strikes planned?

Strikes are planned from midnight on Sunday 7 September to 11.59pm on Thursday 11 September.

There is separate planned industrial action on 5 and 6 September, but this is not expected to cause disruption on TfL services.

The other days, however, will see delays across every underground line and the Docklands Light Railway (DLR).

Tube services will be limited for five working days next week. File pic: PA
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Tube services will be limited for five working days next week. File pic: PA

What’s running – and what’s not?

Sunday 7 September:

• Disruption across the entire Tube network, with limited services running
• Those that are running will finish early, with TfL encouraging people to finish journeys by 6pm
• The DLR will be running a normal service

Monday 8 September:

Tube
• Little to no service running across the entire Tube network
• No service before 8am or after 6pm

DLR
• Full service, but stations shared with the Tube network may face disruption

Tuesday 9 September:

Tube
• Little to no service running across the entire Tube network
• No service before 8am or after 6pm

DLR
• No service on the entire network

Wednesday 9 September:

Tube
• Little to no service running across the entire Tube network
• No service before 8am or after 6pm

DLR
• Full service, but stations shared with the Tube network may face disruption

Thursday 11 September:

Tube
• Little to no service running across the entire Tube network
• No service before 8am or after 6pm

DLR
• No service on the entire network

Friday 12 September:

Tube
• No service before 8am
• Service will return to normal on all lines by late morning

DLR
• Normal service

What about the Elizabeth Line and Overground?

The Elizabeth Line, London Overground and trams will be running on strike days. London’s bus network is also expected to be running a full service.

However, TfL warns other services will be extremely busy and trains may be unable to stop at all stations or run to their normal destinations.

No strikes are planned on the Elizabeth Line, but trains will not stop at some stations. Pic: iStock
Image:
No strikes are planned on the Elizabeth Line, but trains will not stop at some stations. Pic: iStock

On Monday 8 and Wednesday 10 September, the Elizabeth line will not stop at the following stations before 7.30am and after 10.30pm:

• Liverpool Street
• Farringdon
• Tottenham Court Road

On Tuesday 9 and Thursday 11 September, trains will not stop at the same stations before 8am.

How to get around during the Tube strike

As always during industrial action, TfL urges commuters to plan ahead and allow extra time for their journeys.

To do this, use TfL’s journey planner, or apps including City Mapper.

Cycling or walking is also recommended by TfL, with Santander, Lime and Forest bikes available to hire across the capital, as well as electric scooters in some London boroughs.

TfL recommends commuters use bikes or walk round London during strikes. Pic: iStock
Image:
TfL recommends commuters use bikes or walk round London during strikes. Pic: iStock

Have any events been cancelled?

As a result of the strike, Coldplay have rescheduled the final two dates of their 10-show run at Wembley Stadium.

The band posted a statement on social media to say their Music Of The Spheres shows on 7 and 8 September have been rescheduled to 6 and 12 September respectively.

“Without a Tube service, it’s impossible to get 82,000 people to the concert and home again safely, and therefore no event licence can be granted,” the band said.

Read more from Sky News:
What are the proposals to change the congestion charge?
What you can’t say online

US singer-songwriter Post Malone has also rescheduled his two shows at Tottenham Hotspur Stadium on 7th and 8th September due to the strikes.

Tickets for both shows will remain valid for the rescheduled dates on 20th and 21st September.

Events for the BBC Proms are expected to still run throughout the week at the Royal Albert Hall until the last night on 13 September.

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