Millions of Americans will vote in the midterm elections on Tuesday, with the balance of power in Congress at stake.

The entire US House of Representatives, about a third of the Senate and key state governorships are up for grabs.

President Joe Biden, a Democrat, and ex-President Donald Trump, a Republican, made their closing arguments in duelling rallies.

Mr Biden’s ability to pass laws will be stymied if Republicans take the House, as most projections expect.

Democrats currently control the White House and – by razor-thin margins – both chambers of Congress.

The party in power typically sheds an average of two dozen or so seats in the midterms, which fall midway through a president’s four years in office.

While Mr Biden himself is not up for re-election on Tuesday, midterms are often seen as a referendum on a president’s leadership.

Despite delivering on promises to lower prescription drug prices, expand clean energy and revamp US infrastructure, Mr Biden has seen his popularity suffer from the worst inflation in four decades, record illegal crossings at the US-Mexico border, and voter concerns about crime.

 

A political thumping for Democrats on Tuesday could embolden murmurs within the party about whether Mr Biden, who turns 80 this month, should run for re-election in 2024.

He went to Maryland on Monday night to campaign for Wes Moore, who is expected to make history as the third black governor ever elected in the US.


Wes Moore (centre) looks set to become the third black governor ever elected in the US

“Today we face an inflection point,” Mr Biden told a cheering crowd at a historically black university outside Washington.

“We know in our bones that our democracy’s at risk and we know that this is your moment to defend it.”

According to a tally by the BBC’s US partner, CBS News, more than half of Republican midterms candidates have raised doubts about the integrity of the 2020 White House election, echoing Mr Trump’s unfounded claims of widespread fraud.

 

Mr Trump spent the eve of election day holding a final rally in Ohio alongside Republican Senate candidate JD Vance.

The former president, who has been teasing a 2024 White House comeback bid, said he would make a “very big announcement” at his Florida estate Mar-a-Lago on 15 November.

He told the crowd: “If you support the decline and fall of America, then you must, you absolutely must vote for the radical left, crazy people.

“If you want to stop the destruction of our country, then tomorrow you must vote Republican in a giant red wave.”

Mr Trump’s party needs to net only five seats to flip the House and a single seat to take over the evenly divided Senate.

Non-partisan election observers project the Republicans will pick up roughly 15-25 seats in the 435-seat House.

Supporters of Donald Trump await his arrival for Monday’s rally in Vandalia, Ohio

But the battle for the upper chamber of Congress could go either way, according to most political forecasts, and is expected to come down to hotly fought races in Pennsylvania, Georgia, Nevada and Arizona.

Should Republicans win the House, they have vowed to shut down the Democratic-led inquiry into last year’s Capitol riot and launch investigations into the Biden administration.

Kevin McCarthy, who would probably become Republican speaker of the House – placing him second in line to the presidency – has refused to rule out impeachment proceedings.

Mr Biden’s power to appoint judges or administrative posts for the next two years would be severely curtailed if Republicans win the Senate.

More than 43.5m early votes have already been cast, according to the US Elections Project.

But it might be days or weeks before the outcome of the midterms is clear if races are close, as some states allow ballots to be posted on election day, and there could be recounts.

Sir Gavin Williamson has denied further accusations of using bullying language against officials.

According to the Guardian, the Cabinet Office minister told a senior civil servant to “slit your throat” and “jump out of the window” when he was defence secretary.

The unnamed official claimed Sir Gavin “deliberately demeaned and intimidated” them.

Sir Gavin said he “strongly” rejected allegations of bullying.

The newspaper said the official raised concerns to the Ministry of Defence’s human resources department but made no formal complaint.

In a statement, Sir Gavin said: “I strongly reject this allegation and have enjoyed good working relationships with the many brilliant officials I have worked with across government. No specific allegations have ever been brought to my attention.”

Mr Williamson does not deny using the language.

A spokesperson for the Cabinet Office, where Mr Williamson now serves as a minister, said the department had “not received notice of any formal complaints about Gavin Williamson’s behaviour from his time at the Ministry of Defence or any other department.”

Labour’s party chair Anneliese Dodds said the allegations were “extremely serious” adding they “speak to the toxic culture at the top of the Conservative Party”.

 

This fresh claim puts further pressure on Sir Gavin who is already facing an investigation for allegedly bullying Wendy Morton when she was chief whip.

Ms Morton complained to the Conservative Party after reportedly receiving a series of expletive-laden WhatsApp messages from Sir Gavin in which he accused the government of excluding certain MPs from the Queen’s funeral service at Westminster Abbey.

In the texts, published by the Sunday Times, Sir Gavin is said to have warned Ms Morton “not to push him about” and that “there is a price for everything”.

Sir Gavin told the paper: “I of course regret getting frustrated about the way colleagues and I felt we were being treated.”

Speaking from the COP27 climate summit in Egypt, Prime Minister Rishi Sunak said the language was not acceptable.

Asked if it amounted to bullying, he said “an independent complaints process” was under way and it would be “right to let that process conclude”.

Downing Street has said the prime minister has “full confidence” in Sir Gavin, who was first elected to Parliament as MP for South Staffordshire in 2010.

The former architectural design firm director, 46, had served as defence secretary under Theresa May and education secretary under Boris Johnson, and was sacked from both roles.

Mr Sunak, who replaced Liz Truss as prime minister last month, brought Sir Gavin back into government.

The deputy leader of the Liberal Democrats, Daisy Cooper, has said his return raised “yet more serious questions about Rishi Sunak’s judgement”.

“If the prime minister was serious about restoring integrity he would sack Gavin Williamson.”

Talks on a deal with France over small boat Channel crossings are in the “final stages”, No 10 has said.

The comment came as Rishi Sunak had his first meeting as prime minister with French President Emmanuel Macron.

Following the meeting, Mr Sunak said there was “not one simple solution” to tackling the number of people crossing the Channel in small boats.

But he said there was an opportunity to work closely with European countries on illegal migration.

More details would be set out in the coming weeks, he added.

The Elysee Palace said the two leaders agreed “to advance coordination to face the challenge of irregular migration”.

The meeting with Mr Macron took place on the sidelines of the COP27 climate summit in Egypt.

Mr Sunak said he had also been talking to other European leaders, and was leaving with “renewed confidence and optimism that working together with our European partners, we can make a difference, grip this challenge of illegal immigration and stop people coming illegally”.

However, he told broadcasters this was a “complex issue and it’s not one simple solution that’s going to solve it overnight”.

Labour leader Sir Keir Starmer said the UK needed to work “upstream” with France to stop people-smuggling across the Channel.

 

So far this year, almost 40,000 people have crossed the Channel in small boats – the highest number since figures began to be collected in 2018.

A number of Conservative MPs raised concerns about the issue during an urgent question in the Commons.

Lee Anderson, who represents Ashfield in Nottinghamshire, said sourcing accommodation for “illegal immigrants” left a “bitter taste” when so many of his constituents could not get council housing.

Instead of blaming France and “lefty lawyers”, he asked: “When are we going to go back and do the right thing and send them straight back the same day?”

Several other Tories also raised concerns about the suitability of hotels in their constituencies for accommodating migrants.

The government has blamed an increase in the number of crossings for overcrowding at an asylum processing centre in Manston, Kent.

At one point at the end of last month there were believed to be around 4,000 migrants at Manston – despite the centre being designed to accommodate only 1,600 people on a temporary basis.

On Monday, Immigration Minister Robert Jenrick said the numbers at Manston were now below 1,600 again.

Mr Jenrick also said the government wanted to stop using hotels to home migrants, telling MPs it was “not sustainable for the country to be spending billions of pounds a year on hotels”.

He suggested “luxurious” accommodation could be a pull factor for those considering crossing the Channel and the government may instead use “some larger sites to provide decent but basic accommodation”.

Labour MP Bell Ribeiro-Addy hit back at the minister’s use of the word “luxurious”. She said the hotels she had visited were “dire” with families living in “cramped conditions” and suffering from an infestation of bedbugs.

Last month, MPs on the Home Affairs Committee were told that the UK was spending £7m a day on hotels for asylum seekers, including groups such as Afghan refugees fleeing the Taliban.

Suella Braverman, who was reappointed home secretary by Prime Minister Rishi Sunak last month, has denied ignoring legal advice or blocking the use of hotels to ease the pressure at Manston.

Asked whether Ms Braverman had made the situation at Manston worse, Mr Sunak said she was making sure the numbers at the site were reduced “and we’re making very good progress on that”.

Earlier Grant Shapps said Manston was “tipping into becoming an unofficial detention centre” when he briefly served as home secretary last month.

He told BBC Breakfast he received “very clear advice” during his six days at the Home Office, after the resignation of Ms Braverman over data breaches in the final days of Liz Truss’s premiership.

He said there were concerns people were “unintentionally being detained”, which would not be legal.

Mr Shapps, who is now business secretary, said he was keen to ensure the government remained within the law and made changes to the operation of the site “to ensure that it wasn’t a detention centre”, while also moving people out.

He added: “Those are decisions that I very quickly made. Actually, the home secretary subsequently has continued to make the same changes to make sure that those numbers are brought down.”

The big question Suella Braverman faces is whether she did enough to ensure the government was complying with the law at Manston.

Several people close to the process have said she did not take the action required to make sure people were moved on from the temporary facility quickly.

Ms Braverman has denied blocking the procurement of hotels. But Grant Shapps has just potentially opened a can of worms.

He says he got very clear advice about Manston, and that there were concerns about people being unintentionally kept for too long, thus acting outside the law.

Mr Shapps also talked about having to “rectify” the situation when he took over.

This raises more questions for the home secretary about whether she took all the action she needed to.

Islamabad police warn of action over protests without permission as PTI gears itself to resume march

Islamabad Capital City Police has warned of legal action against protests without permission in the federal capital as PTI gears up to resume its long march after a pause following party chief Imran Khan’s injury in an attempt on his life.

PTI Chairman Imran Khan on Sunday announced that the party’s long march will resume on Tuesday, November 8, from Wazirabad, while he will join the convoy from Rawalpindi.

The PTI chief has been discharged from hospital and has now returned to his Zaman Park residence in Lahore.

 

November 7, Monday

 

10:51am: IHC issues notice to PTI’s Ali Nawaz Awan over Islamabad admin’s plea

The Islamabad High Court (IHC) issued notices to PTI leader Ali Nawaz Awan for November 11 over the Islamabad district administration’s miscellaneous plea seeking dismissal of Awan’s plea for a no-objection certificate (NOC) to hold a jalsa and sit-ins in the federal capital.

The court held a combined hearing on the district administration and Awan’s pleas.

The district administration’s lawyer maintained that the PTI had sought an NOC for the rally from November 3 to 5 but these dates have passed, therefore, the plea has become ineffective.

 

 

10:45am — PTI shares video of Pakistani-Americans supporting ‘Haqeeqi Azadi at NY’s Times Square

PTI shared a video of Pakistani-Americans, led by party’s New York wing president Amjad Nawaz, gathered at Times Square to show support for the “Haqeeqi Azadi” march.

10:35am — LEAs reportedly decide to launch crackdown operation against key PTI leaders

Law enforcement agencies (LEAs) have reportedly decided to launch a crackdown against key PTI leaders, sources privy to the matter said.

The sources said a decision to arrest PTI leaders, including Pervez Khattak, Sheikh Rashid Shafiq, Amir Kayani, Ali Amin Gandapur and Aamir Dogar and others has been taken.

Moreover, action against individuals involved in blocking ways leading to the Islamabad airport will also be taken.

 

8:00am — Islamabad police warn of action over protests sans permission

The Islamabad Capital City Police warned of taking action against the individuals involved in staging protests without permission in the federal capital. They alerted the citizens that they may face inconvenience in transit as the leaders of a political party have announced to block roads.

The police assured of keeping the ways leading to Islamabad international airport and said that federal law enforcement agencies will monitor the movements on motorway and roads leading to the airport. They requested the political leaders to stage protests on allotted spots with the permission of administration.

Four cops shot dead in Iran’s Baluchestan

Iran has been rocked by more than seven weeks of nationwide protests over the death of 22-year-old Kurdish Iranian woman Mahsa Amini while in the custody of the Tehran morality police.

Amid the wider unrest, clashes have rocked Sistan-Baluchestan province, which borders Pakistan and Afghanistan, sparked by the alleged rape of a local teenage girl by a police chief.

The four police officers were killed in Sistan-Baluchestan, official media said, without saying when, and blaming a personal dispute between police conscripts.

“The incident, at a traffic police station on the Iranshahr-Bampour highway, caused the martyrdom of the police officers,” regional police chief Major Alireza Sayyad told IRNA news agency.

Poverty-stricken Sistan-Baluchestan has long been a flashpoint for clashes with rebels from the Baluch minority, Sunni Muslim extremist groups and drug smuggling gangs.

On Sept 30 in Zahedan, the provincial capital, dozens of protesters and six members of the security forces were killed, according to the authorities.

In a separate incident, the Islamic Revolutionary Guard Corps said its forces had killed an “element hostile to the revolution” after an attack on one of their bases in Mahshahr, in the southwestern province of Khuzestan.

“The forces fired on two terrorists on motorbikes in order to protect the headquarters, killing one of them while steps were taken to identify and arrest the second person,” the IRGC said in a statement.

New protests

New protests erupted in Iran on Sunday at universities and in the largely Kurdish northwest, keeping a seven-week anti-regime movement going even in the face of a fierce crackdown.

The protests, triggered in mid-September by the death of Mahsa Amini after she was arrested for allegedly breaching strict dress rules for women, have evolved into the biggest challenge for the clerical leadership since the 1979 revolution.

Unlike demonstrations in Nove­mber 2019, they have been nationwide, spread across social classes, universities, the streets and even schools, showing no sign of letting up even as the death toll ticks towards 200, according to one rights group.

Another rights group, Norway-based Hengaw, said security forces opened fire on Sunday at a protest in Marivan, a town in Kurdistan province, wounding 35 people.

The latest protest was sparked by the death in Tehran of a Kurdish student from Marivan, Nasrin Ghadri, who according to Hengaw died on Saturday after being beaten over the head by police.

Iranian authorities have not yet commented on the cause of her death.

Hengaw said she was buried at dawn without a funeral ceremony on the insistence of the authorities who feared the event could become a protest flashpoint. Authorities subsequently sent reinforcements to the area, it added.

‘Fundamental changes’

Kurdish-populated regions have been the crucible of protests since the death of Amini, herself a Kurd from the town of Saqez in Kurdistan province.

Universities have also emerged as major protest hotbeds. Iran Human Rights (IHR), a Norway-based organisation, said students at Sharif University in Tehran were staging sit-ins Sunday in support of arrested colleagues.

Students at the university in Babol in northern Iran meanwhile removed gender segregation barriers that by law were erected in their cafeteria, it added.

The protests have been sustained by myriad different tactics, with observers noting a relatively new trend of young people tipping off clerics’ turbans in the streets.

IHR said Saturday that at least 186 people have been killed in the crackdown on the Mahsa Amini protests, up by 10 from Wednesday. It said another 118 people had lost their lives in distinct protests since September 30 in Sistan-Baluchestan, presenting a further major headache for the regime.

IHR said security forces killed at least 16 people with live bullets when protests erupted after prayers on Friday in the town of Khash in Sistan-Baluchestan.

Amnesty International meanwhile said up to 10 people were feared dead in Friday’s violence in Khash, accusing security forces of firing at demonstrators from rooftops.

“Iranians continue taking to the streets and are more determined than ever to bring fundamental changes,” said IHR director Mahmood Amiry-Moghaddam.

Fierce crackdown

The protests were fanned by fury over the restrictive dress rules for women, over which Amini had been arrested. But they have now become a broad movement against the theocracy that has ruled Iran since the fall of the shah.

Meanwhile Sunnis in Sistan-Baluchestan — where the alleged rape of a girl in police custody was the spark for protests — have long felt discriminated against by the nation’s Shia leadership.

A Tanzanian passenger plane has crashed into Lake Victoria as it attempted to land in the lakeside town of Bukoba, killing at least 19 people.

Of the 43 people on board there were 24 survivors, according to operator Precision Air.

The two pilots initially survived and managed to speak to local officials from the cockpit but the prime minister says they may have since died.

The plane crashed near the shore at the end of the Bukoba airport runway.

Rescuers were able to wade through the water to bring some of those still inside the plane to safety.

Abdul Nuri was at the airport waiting for the return flight to Tanzania’s biggest city, Dar es Salaam, when he saw the plane plunge into Africa’s largest lake.

“We were really shocked. People panicked and some started crying and shouting,” he told the BBC.

“At the arrivals gate people panicked as well – most of them were waiting to welcome their relatives.”

He has spoken to the fishermen who were first on the scene. They told him they managed to get into the plane to rescue people after a flight attendant opened the rear door after the plane had crashed.

The tragedy, which occurred around 08:50 local time (05:50 GMT), has been blamed on bad weather.

Emergency workers have used ropes to pull the ATR-42 aircraft even closer to the shore, and some of the plane’s body is now above the water.

It is not clear how many people remain trapped inside the plane

Immediately after the crash, the plane was almost completely submerged with only the brown and green tail fin visible.

Richard Komba, a survivor of the crash, told the BBC that when the plane was about to land, the weather had deteriorated, forcing the pilot to reroute the aircraft.

“We were then informed that we would be landing shortly, but there was heavy turbulence. We later found ourselves in the lake,” Mr Komba said.

“Water then entered the plane and those sitting near the front were covered by it. I was in the back seat and most of us in the back of the plane struggled to get out.”

He said one cabin crew member was struggling to open the aircraft’s door, but he was eventually able to be freed.

“When we got out, no boat was there – it took quite long to get rescued but the boat that came was not so good, it was a canoe.”

He said the survivors were “scared” because of the number of people trying to fit in the one vessel, but he said other rescue boats arrived minutes later.

Tanzania’s Prime Minister Kassim Majaliwa said the rescued passengers were in hospital and were not seriously injured, “but they are shocked and worried”.

Earlier, Mr Majaliwa went to the scene and said an extensive investigation would be carried out to determine the full causes of the crash.

“We are still identifying the bodies, but it is highly likely that the pilots might have perished,” he said.

The airport has been closed until further notice.

President Samia Suluhu Hassan has expressed her condolences to those affected and called for calm as the rescue operation continues.

The plane was flying from Dar es Salaam to Bukoba via Mwanza.

Precision Air is Tanzania’s largest private airline and is partly owned by Kenya Airways. It was founded in 1993 and operates domestic and regional flights.

Charities have branded the actions of the Italian government “illegal” after it prevented 250 people disembarking two migrant rescue ships.

There are 215 blocked on the Geo Barents and 35 on Humanity 1.

Children and people with medical issues were allowed to leave the ships in Catania, Sicily, but others were not. Two other rescue boats remain at sea.

The new Italian PM has promised to crack down on migrants travelling across the Mediterranean.

Italy is one of the main entry points into Europe and since the start of the year 85,000 migrants have arrived on boats, according to the UN.

Migrants set sail in small, overcrowded boats from North Africa – often they get into distress and are rescued by charity vessels.

In total 144 people were allowed to disembark the Humanity 1, which sails under a German flag, on Sunday morning. In the afternoon, 357 people were allowed off the Medecins sans Frontieres (MSF)-run Geo Barents, which sails under a Norwegian flag.

Italian Interior Minister Matteo Piantedosi said those who did not qualify as vulnerable would have to leave Italian waters and should be taken care of by the “flag state”.

However, Humanity 1’s captain is refusing to leave the port of Catania “until all survivors rescued from distress at sea have been disembarked”, said SOS Humanity, the German charity that operates it.

In a series of tweets, SOS Humanity added that “the law of the sea obliges him [the captain] to bring all those rescued from distress to a safe place.

“Survivors have the right to an individual protection check, which can only be done on land. Rejecting the 35 people seeking protection aboard Humanity 1 from territorial waters is a form of collective refusal and is therefore illegal.”

In tweets posted later on Sunday, SOS Humanity said it would launch legal action against the Italian government on Monday, claiming Italy’s actions violate European law and the Geneva Refugee Convention.

It added it was unlawful to not let all the migrants disembark and it would also launch legal proceedings in Catania, to allow those who remained on board the vessel to disembark and begin asylum applications.

Humanity 1 pulling into the port of Catania

Humanity 1 was allowed to dock in the port of Catania
MSF, which runs the Geo Barents, also hit out at the Italian government’s decision, saying it “is not considered legal under maritime law conventions”.

The charity, known in English as Doctors Without Borders, added that “a rescue operation is considered complete only when all of the survivors have been disembarked in a safe place”.

Both charities said everyone on board their ships was vulnerable as they had been rescued from the sea.

Two other boats run by non-governmental organisations remain at sea with no ports willing to accept them.

There are 93 people on the German-run Rise Above and 234 on the Ocean Viking, operated by the European charity SOS Mediterranee.

All four boats have reported people sleeping on floors and decks, the spread of fever-inducing infections and scabies, and food and medical supplies running low. Some migrants have been on the ships for more than two weeks.

Humanitarian groups and two Italian politicians have travelled to Sicily to protest against the process.

“Free all the people, free them,″ Italian lawmaker Aboubakar Soumahoro said, calling the government’s new policy “inhuman”.

Italy’s new Prime Minister Giorgia Meloni put the issue of migration at the centre of her government in her maiden speech to MPs.

“We must stop illegal departures and human trafficking,” she said, but stressed that she does not intend “to question the right of asylum for those fleeing wars and persecutions”.

In a recent interview she also said responsibility for the migrants on board lies with the country where the ship is registered, otherwise it becomes a “pirate ship”.

President Joe Biden and ex-President Donald Trump held duelling rallies as the election to reshape Congress entered its final campaign day.

Mr Biden and Mr Trump made their last-minute pleas to voters in New York and Florida respectively.

Momentum has shifted recently towards Republicans, who are trying to wrestle both chambers from Democratic control.

They are favourites to win control of the House of Representatives but the Senate is a toss-up, polling suggests.

Winning one chamber would severely hinder President Biden’s legislative agenda.

With the campaign in its final day on Monday, his party is braced for losses even in parts of the country where Democrats usually do well.

He spoke at a rally in New York on Sunday to support Governor Kathy Hochul, who is fending off an unexpectedly stiff challenge from Trump-backed Republican candidate Lee Zeldin.

She has received last-minute help from some Democratic star names – former President Bill Clinton, Vice-President Kamala Harris and former Secretary of State Hillary Clinton.In his speech, Mr Biden called the election “an inflection point” that will determine the next 20 years. He told voters at Sarah Lawrence College that they are choosing between two “fundamentally different visions of America”.

Meanwhile his predecessor in the White House, Mr Trump, was in Miami where he spoke for over an hour, hammering Democrats for leading the country towards “communism”.

“Democrats want to turn America into communist Cuba or socialist Venezuela,” Mr Trump told the audience members.

“To every Hispanic American in Florida and across the land, we welcome you with open open open arms to our [Republican] party,” he continued.

Mr Trump also continued to hint that he may run for president again in 2024, telling voters to “stay tuned” for his rally on Monday in Ohio.

Polls suggest that Democrats are likely to lose their majority in the House of Representatives.

Control of the Senate will probably rely on the results of extremely tight races in Pennsylvania, Georgia and Nevada.

 

Over 40 million votes have already been cast during the early-voting period so far, experts say, overtaking the total number of early votes in 2018.

Mail-in ballots normally take longer to tally than votes taken in person, leading to a high likelihood that several races will be too close to call on Tuesday night.

Several key battleground states, like Wisconsin and Pennsylvania, ban election officials from beginning the count until election day.

What’s happening on Monday?

  • Mr Biden will appear at a rally in Maryland, a state normally considered a Democratic stronghold
  • Mr Trump is holding an evening rally in Ohio for JD Vance, an author and former Trump critic
  • First Lady Jill Biden is headed to Virginia to support incumbent Congresswoman Jennifer Wexton
  • Republican Governor Ron DeSantis, considered to be a possible Trump White House rival in 2024, is in Miami

A quarter of UK adults have less than £100 set aside in savings, a survey suggests, leaving them vulnerable to rising and unexpected bills.

The lack of a financial safety net means many have to borrow money to cover any extra costs, creating greater anxiety about their plight.

One mother told the BBC she was scared of being judged so did not seek help.

The Money and Pensions Service, which conducted the research, said such fears could be overcome with family help.

Debt advisors are expecting a sharp increase in enquiries over the winter as people struggle to fund higher food and energy bills, with little to fall back on.

‘I wish I’d asked for help earlier’

This latest survey of 3,000 people found that 17% – or one in six – of those asked held nothing in savings. Another 5% had less than £50 and a further 4% had between £50 and £100 set aside.

If those figures reflect the UK as a whole, then millions of people will have little or nothing as a savings buffer.

Among them is Kylie, a mother-of-six who faced difficulties that left her failing to pay critical, and priority, bills. She just about managed to pay her rent, to keep a roof over her family’s head, but was behind on many other payments.

The 31-year-old said some of the more aggressive debt collection left her children frightened, and her finances were in a mess.

 

Her energy provider told her to seek help from a debt charity, but she said she was scared to do so.

“I felt like I would be judged and looked down on,” she said.

When she did eventually seek help, the advisors were kind and helpful, she said, and crucially told her about the various hardships funds and grants that were available to her.

“But I would have been in a better position if I had done it earlier,” she said.

She came to an arrangement with her creditors, so she pays back a more affordable amount each month. She recently managed to save £40 – for the first time in years.

The idea of saving money will be alien to many people struggling with the rising cost of living. A recent survey by the Building Societies Association (BSA) found 35% of those questioned had stopped saving as a result of the rising cost of living.

Meanwhile, 36% of those asked said they were relying on their savings to get through a period of rising bills and prices. Some credit unions are offering ways to help families save for expensive times of year, such as Christmas.

Talking to loved ones

The Money and Pensions Service runs the Moneyhelper website, which includes a free debt advice locator.

It is running a week-long Talk Money campaign urging people to open up about their finances and is encouraging people to plan for their financial future and take free debt advice as soon as they realise they could be facing difficulties.

“Millions of people find it a challenge to save, and this leaves them vulnerable when sudden expenditure items arise. When you add in the anxiety that they feel with their credit commitments, the weight of that worry can quickly become overwhelming,” said Caroline Siarkiewicz, chief executive of the government-backed organisation.

“We want everyone to start the conversation with family or friends and share the burden of any money worries. By dealing with the problem head on, people can discover just how helpful free debt advice can be and see the importance of talking to their creditors early. They can also begin to find a way forward, no matter how difficult their situation might feel.”

Kylie, meanwhile, is looking forward to Christmas, but with some trepidation. She said her food bill shot up when her children were on school holidays.

“I am trying to do my best, and save for Christmas,” she said. “At the moment, we are just living week by week.”

The fight against climate change can become “a global mission for new jobs and clean growth”, Rishi Sunak will tell world leaders at the COP27 summit.

The prime minister will also say it is essential nations stick to commitments made at COP26 in Glasgow a year ago.

The UN’s climate change chief said a key aim to limit global temperature rises is “still within reach”.

Mr Sunak is making his first outing on the international stage in Egypt after becoming UK PM last month.

He arrived in Sharm el-Sheikh on Sunday night and will join other world leaders at UN summit, including US President Joe Biden and France’s Emmanuel Macron.

Mr Sunak will unveil more than £200m funding to protect forests and for green technologies in developing nations.

He reversed a decision not to attend COP27 earlier this week after a backlash from opposition MPs and campaigners. He initially declined the invite as he said he was too busy preparing the November budget.

In his opening address on Monday, Mr Sunak will urge global leaders to “move further and faster” to avoid the worst impact of climate change by limiting global warming to 1.5C above pre-industrial levels.

He will say Russia’s invasion of Ukraine has “reinforced” the importance of ending dependence on fossil fuels, but will argue the move can give a boost to new green industries.

“The world came together in Glasgow with one last chance to create a plan that would limit global temperature rises to 1.5C. The question today is: can we summon the collective will to deliver on those promises?” he will say.

“By honouring the pledges we made in Glasgow, we can turn our struggle against climate change into a global mission for new jobs and clean growth. And we can bequeath our children a greener planet and a more prosperous future.”

Mr Sunak will also meet French President Mr Macron at the conference, where the topic of migrants crossing the English Channel in small boats is likely to be raised. The prime minister has said reducing the number of crossings is a “key priority”.

Downing Street said Mr Sunak will announce a further £65.5m for the clean energy innovation facility which provides grants to researchers and scientists in developing countries working on clean technologies – from biomass-powered refrigeration in India to lithium-ion batteries in Nigeria.

It said the UK will also commit £90m for conservation in the Congo Basin rainforest, and £65m to support indigenous and local communities.

But Labour’s Ed Miliband said Mr Sunak “had to be dragged kicking and screaming” to go to the summit and it was “implausible for him to claim the mantle of climate leadership”.

The shadow climate change secretary said the government should drop plans to issue more licences for North Sea exploration and end its opposition to onshore wind.

As COP27 got under way, the UN itself warned that meeting the critical target of limiting temperature rises to 1.5C would take an “extraordinary effort”.

“The science tells us that is it still within reach,” said the UN’s new climate chief, Simon Stiell. “We cannot lift the pressure.”

Speaking to the BBC World Service’s Newshour programme, Mr Stiell said just 29 states had strengthened their climate pledges since last year, which was “not enough”.

His remarks came after the UN’s weather and climate body released a report showing that the rate at which sea levels are rising has doubled since 1993.

UN Secretary General Antonio Guterres described the report as a “chronicle of climate chaos” and urged governments at COP27 to answer the planet’s “distress signal” with “ambitious, credible climate action”.

Vulnerable countries increasingly being hit by extreme storms, floods and droughts, such as Pakistan’s devastating flooding this year

Global temperatures have risen 1.1C and are heading towards 1.5C, according to the UN’s climate scientists, the Intergovernmental Panel on Climate Change (IPCC).

If temperatures rise 1.7 to 1.8C above 1850s levels, the IPCC estimates that half the word’s population could be exposed to life-threatening heat and humidity.

Rich countries are also falling short in providing the finance needed to help developing nations adapt to a changing climate and develop cleanly, the UN has warned.

But Mr Stiell said the conference was off to a “hopeful start” after developing nations successfully lobbied to put on the agenda the thorny issue of “loss and damage”.

This debate revolves around compensation money paid by wealthy countries to the states worst affected by climate change.

Speaking to the BBC, David Panuelo, President of the Federated States of Micronesia, said bigger nations needed to “come good with their nationally-determined contributions”.

Highlighting China, India, Mexico, Indonesia and Brazil, Mr Panuelo said there are “many countries that need to come forward with… commitments to help meet this challenge that global communities are facing now”.