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    Voices: ‘A national disgrace’: Readers on energy poverty this winter

    Claire and Gareth Ferris’ story of struggling to keep their Warwickshire home warm amid rising energy bills and poor insulation has resonated with Independent readers.Responding to the article, many highlighted that energy poverty is widespread, with some sharing their own experiences of freezing homes, mounting debt, and the daily challenge of staying warm. Several pointed out that British housing is often inefficient, poorly insulated, and expensive, contrasting it with countries such as Denmark, where better construction and higher public support make cold winters more manageable.Others emphasised that while government support schemes exist, they are insufficient, and households are forced to ration heat, exercise to stay warm, or improvise with measures such as plastic sheeting. A few readers stressed that some people still need practical advice on budgeting and prioritising heating, while others argued the root problem is a lack of government action on energy security and rising costs.Many also noted the human cost of cold homes, warning that extreme winter conditions can be deadly, particularly for the elderly, vulnerable, or those in poor housing. Overall, readers agreed that the issue goes beyond individual behaviour – it reflects systemic failures in housing quality, energy provision, and social support.Here’s what you had to say:Dire straitsDuring the early 1970s oil embargo, we could not afford oil to heat our home either. We used plastic sheeting to cover all of our drafty windows. Us kids cut strips of paper grocery bags about an inch wide to staple all around the sheeting, which held it to the wooden window frames. The windows we could not reach outside were sealed in a similar fashion on the inside.We also closed off the entire second floor of the house and sealed the door to upstairs with plastic sheeting. With only a living room, kitchen, bedroom, and bathroom left, we heated with a wood-burning stove.I was 10 at the time, and my job was to take my younger brothers out into the woods each day to gather firewood for that evening. We ate, slept, and lived in that living room that way each winter until 1981.It certainly seems many folks are in those same dire straits now. I feel your pain.GalvanUK housing is inefficient and depressingI agree the houses in the UK are very ugly, depressing to look at, inefficient, and of poor quality. I believe I’m correct in saying we have some of the lowest housing standards in Europe. Utterly shameful in the sixth richest economy on the planet.I have family in Denmark. Beautiful houses, better insulation – triple glazing, better quality and much better looking. It’s colder there, but they pay lower energy costs. Higher wages, higher taxes, much better public services, much lower homelessness, and a much happier population. I wish I could live there.BexJFT97Energy bills spiralling out of controlWe are unable to meet our monthly ‘usage’ costs in full and owe almost £4k on our gas and electric. I have absolutely no idea how we are ever going to be able to pay this, and the shortfall just keeps increasing month on month. This island is an energy cartel.HelenEnergy advice fundingDo away with the energy advice service and use the savings to reduce bills. Also, make the regulator truly independent, not paid supporters of the energy companies. When funding is provided by the people you are regulating, they are always going to be biased.PAULT2Insulating and staying activeI’ve lived in my old solid brick-walled cottage for 27 years. In that time, instead of whining, I insulated bit by bit. I’m half German, grew up there, and every morning, no matter how cold it is outside, I open all the doors and windows for at least half an hour for a good ‘blow through’, getting rid of stale, musty, moist air, dust, and mould spores.Sure it’s cold, but I am busy cleaning, so I get warm.I insulated my cold, solid brick walls too. Every external wall has either insulated plasterboard or polystyrene on a roll put onto the wall and then papered on top.Then I went to a charity shop last week and bought a huge pair of lined velvet curtains. One curtain does each door front and back. They cost me £4. Another pair, which are so thick and heavy, cost £6. One curtain for the large front window and another for the back window, and they get drawn as soon as it starts to get dark.fenwomanFar behind homes in EuropeI am afraid British houses are far behind houses in Europe in terms of energy efficiency and quality of build. They are extremely expensive and very poor quality, with no heat insulation and windows with gaps that would almost allow cats to get through and run away. No wonder people are struggling to heat such houses. There is no amount of energy that is enough to heat such a house, especially in winter windy days.Grumpyoldman38Even hard-working people struggle to make ends meet with the cost of living as the bills are sky-high, and hard-working people should never be the ones that struggle in life to make ends meet. The old people now get a winter fuel payment from the Government, and that’s a good thing, but for everyone else there is no such help. Even the unemployed and those living in poverty have to decide when it’s really cold whether to put the heating on or buy food for themselves and their children. It’s more like 1825 than 2025.Stacey BenoitBills just keep risingI am finding it difficult to keep the home warm – the bills just keep rising. I feel so sorry for families with children. It’s not just heat poverty; for many, the food prices are just unreal.jellyjVictorian draughtsWhen I first married in the 1970s, we used to put polythene over the windows to keep the cold out. Our house was single-glazed with Victorian sashes, and they let the draughts everywhere.HeraExercise to keep warmSome time ago, a politician was pilloried for suggesting people might do exercise to keep warm… maybe he said it cynically, but for those who can do it, a couple of minutes running on the spot is a very good way to get warmer. The body continues to burn energy for a while after you stop.It has many other beneficial effects as well.For those who are not able to run on the spot, ANY exercise they can do, even sitting down, will help warm you from within, where we need to maintain temperature.much0adoBlame the ToriesWhy didn’t the Tories do anything about securing our own energy within their one and a half decades in power? Why didn’t they do ANYTHING within their 15-year stint apart from rinse the economic pot dry, austeritise our public services, leave our infrastructure to rot, and privatise anything and everything they could get their hands on?I blame the Tories and I’ll continue to blame them for LIFE.AmySome of the comments have been edited for this article for brevity and clarity.Want to share your views? Simply register your details below. Once registered, you can comment on the day’s top stories for a chance to be featured. Alternatively, click ‘log in’ or ‘register’ in the top right corner to sign in or sign up.Make sure you adhere to our community guidelines, which can be found here. For a full guide on how to comment, click here. More

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    Two House of Lords peers face suspension after breaking lobbying rules

    Two prominent members of the House of Lords are facing suspension after being found in breach of parliamentary conduct rules related to potential financial gain. Separate inquiries concluded that Lord Dannatt, a former head of the British army, and Lord Evans of Watford violated regulations prohibiting the provision of parliamentary services for “payment or reward”.The independent Commissioner for Standards’ findings and recommendations were subsequently upheld by the Lords Conduct Committee. This led to Lord Dannatt receiving a four-month suspension, while Lord Evans faces a five-month exclusion from the chamber. Neither peer challenged the Commissioner’s conclusions or the proposed sanctions. Both suspensions are pending agreement by the House of Commons before they officially take effect.The investigations were launched in response to comments made by both peers to undercover journalists.Lord Dannatt was found to have showed a “clear willingness to undertake activity that would have amounted to paid parliamentary services” during his conversations, but no money was exchanged.The suspensions of Lord Dannatt (pictured) and Lord Evans are pending agreement by the House of Commons before they officially take effect More

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    Starmer and Trump did not discuss BBC Panorama fallout in call

    Sir Keir Starmer ducked raising the legal challenge between Donald Trump and the BBC when he spoke to the US president on Sunday.The 30-minute call between Mr Trump and the prime minister focused on Ukraine, according to the readout, with sources admitting he did not discuss the BBC.Sir Keir had been under pressure to intervene over the row between the White House and the BBC after the broadcaster had apologised for the presentation of the US president’s 6 January speech in a Panorama programme and Newsnight report.However, with senior figures at the BBC, including chair Samir Shah, set to give evidence in the Commons today over the fiasco, the president has made it clear he intends to go ahead with suing the corporation for $1bn.Lib Dem leader Sir Ed Davey had urged Sir Keir to intervene to protect the BBC and a call between the president and prime minister had been expected for more than a week.But sources now admit that the subject of the BBC was not raised, as Sir Keir instead tried to press the president on his controversial plans for Ukraine.It comes as the BBC chair is set to join BBC board member Sir Robbie Gibb and former editorial adviser Michael Prescott in facing questions from MPs on Monday. They will be quizzed about the corporation’s editorial standards guidelines in the evidence sessions with the culture, media and sport committee, set to begin at 3:30pm. The recent call between Donald Trump and Keir Starmer focused on the US president’s Ukraine plans More

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    Salary sacrifice schemes explained and how Rachel Reeves could change rules

    Reports indicate that Wednesday’s Budget may include a significant tax overhaul targeting salary sacrifice schemes, prompting fears that some people’s retirement savings could be jeopardised. Here we take a look at how salary sacrifice schemes for pensions work and what could happen in Rachel Reeves’ Budget.What are salary sacrifice schemes?Salary sacrifice schemes permit individuals to exchange a portion of their earnings for an employer-provided benefit. Often integrated into pension plans, this offers a tax-efficient route for workers to enhance their retirement savings. When contributing this way, the employer deposits the entire sum – including their own contribution – directly into the employee’s pension fund. What have reports suggested?Many people are already thought to be heading for a tough retirement financiallyThere have been reports of a potential cap for people sacrificing their salary while still receiving the tax benefit at £2,000 a year, although some reports have also suggested that restrictions could go further.What are the benefits of salary sacrifice schemes?Salary sacrifice enables people to maintain their take-home pay, as people end up paying lower national insurance (NI) contributions.There are also NI advantages for employers, helping them to offer more generous workplace benefits.Are there any downsides for pension savers from using salary sacrifice?A lower salary on paper might affect some borrowing applications, such as for mortgages. However, employers can maintain a “reference salary,” which may be considered.What could paring back salary sacrifice schemes mean for people and businesses?Pensions industry bodies have been urging Chancellor Rachel Reeves not to curb salary sacrifice schemes (Leon Neal/PA)Reducing the use of the schemes would mean more Government revenue, with some reports suggesting between £2 billion to £4 billion could potentially be raised, depending on how salary sacrifice was curbed.But the Association of British Insurers (ABI) and major pensions providers have been urging Chancellor Rachel Reeves not take such a step, pointing out that the next generation of retirees are already at risk of being poorer than the current pensioner population.Get a free fractional share worth up to £100.Capital at risk.Terms and conditions apply.Go to websiteADVERTISEMENTGet a free fractional share worth up to £100.Capital at risk.Terms and conditions apply.Go to websiteADVERTISEMENTPensions industry bodies have warned that it could mean people and employers cutting back on the amounts going into pensions, storing up problems for pension savers and putting more cost pressures on businesses.The ABI and the Reward and Employee Benefits Association (REBA) have warned that such a step would place additional strain on businesses and push millions of people into poorer retirements.Yvonne Braun, director of policy, long-term savings at the ABI, said on Saturday: “The industry has long-warned that we’re ‘sleep-walking’ into a retirement crisis. “If the Government goes ahead with suggestions to cap salary sacrifice, then we’re no longer sleep-walking, we’re speed-walking.”What issues already exist with people’s incomes and pension saving?Although automatic enrolment has brought millions of people into pension saving, there are fears that too many workers are not saving enough to give themselves a comfortable retirement More

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    Shock news for Reeves over ‘growth emergency’ days before make-or-break Budget

    Britain is locked in a “growth emergency”, a senior cabinet minister has admitted, just hours after Rachel Reeves was dealt a fresh blow over the UK’s economic outlook. Two days before the chancellor stands up to deliver her second Budget, the government has been hit by revelations that the Office for Budget Responsibility (OBR), the leading economic watchdog, will downgrade the country’s prospects and reduce its estimates for economic growth for every year until 2029.The projections are expected to be the most pessimistic since the OBR was set up 15 years ago in the wake of the financial crisis.The news could not come at a worse time for the chancellor whose own job is believed to be on the line in a make or break Budget – just 18 months after she arrived in the Treasury with a “no 1 mission” of growing the economy.Experts have also piled on the pressure, warning that measures expected in Ms Reeves’ Budget on Wednesday – including a form of mansion tax on high-value properties as well as a bank levy – will harm economic growth.Follow our live updates on the Budget hereSpeaking to business leaders at the CBI conference in Westminster, business secretary Peter Kyle admitted that the UK was in a “growth emergency”.“We inherited a situation when we came into office where we [were] stuck in this buy-slight grip of high taxes and low growth, and we are not going to break out of this cycle unless we do some pretty profoundly different things”, he said in a bid to blame the Labour government’s inheritance. “I really think we have inherited [a] growth emergency, and we are still in it, and we will be in it for as long as we are unable to get our way out of this situation without increased economic productivity.”Experts are warning that the chancellor’s imminent Budget will harm economic growth More

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    ‘I own a £2m farmhouse – Reeves’ mansion tax is nothing but punishment for being well-off’

    Three decades ago, Christopher Broadbent bought an old farm worker’s two-bedroom cottage in the East Sussex countryside.The founder of a consultancy firm carried out a “Damascene conversion” of the house, doubling its size, and bought 50 acres of farming land around it for a nature reserve and a glamping business. But now, with his farmhouse and land thought to be worth around £2m, the 75-year-old fears he and his wife could be placed in a “profoundly uncomfortable” position by a so-called mansion tax, expected to be announced at Wednesday’s Budget.“I’m not saying we couldn’t afford it,” said the Labour voter, “but there would be a deep sense of unease and unfairness.”Mr Broadbent, who plans to retire next year, already pays £3,600 a year in council tax on the four-bedroom home, which sits within the top three council tax bands (F, G and H). Being within the high-end bands, under Rachel Reeves’ expected plan, it could be revalued to check if the property meets a £2m threshold for the mansion tax.The tax, as reported by TheTimes, would see the average “mansion” paying around £4,500 a year, raising up to £500m for the Treasury.For updates ahead of the Budget – click here to read our live blogChristopher Broadbent fears says a so-called mansion tax was ‘politics of the envy’, as he said income tax would be a fairer way for Rachel Reeves toraise money More

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    Cabinet minister admits Labour’s tax rises have driven wealthy out of UK

    A government minister has admitted that Labour’s tax rises have led to wealthy Britons leaving the country, just days before this week’s make-or-break Budget. The business secretary accepted that “some of the decisions” the party has made since Labour entered government mean “some people feel the need to leave”.It comes just days after Sir Keir Starmer was urged to tackle a “dangerous brain drain” that is harming the UK economy after official figures showed that the number of Britons leaving the UK is far higher than was previously thought.Asked if he thought wealthy individuals were choosing to leave the UK because of Labour’s tax choices, Peter Kyle told Sky News: “I do, yes”. Peter Kyle said he would not ‘duck the fact that we have put up taxes’ More

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    Budget 2025 latest: Rachel Reeves set to hit thousands of properties with new mansion tax

    Labour minister apologises for speculation around budgetRachel Reeves is set to hit thousands of Britain’s most expensive properties with a new levy as she prepares to lay out her highly anticipated Budget this week.The chancellor is said to be targeting the wealthy with new taxes as she hopes to balance the books with a series of measures to be announced on Wednesday.A new levy could be applied to some of the most valuable homes, known as a “mansion tax”. The move would reportedly revalue some of the most valuable properties across council tax bands F, G and H and hit 100,000 of them with a new surcharge.The mansion tax was being suggested as a 1 per cent levy on properties worth £2m or more, but there is an expectation that it may be set much lower at a maximum of £5,000 because of concerns about the London housing market.It is one of a series of wealth taxes Reeves is set to unveil to fill the spending black hole in her budget with other measures expected to include a profits tax on gambling companies demanded by former PM Gordon Brown, and a levy on bank profits.What are salary sacrifice schemes?A tax raid on salary sacrifice schemes could be announced in Wednesday’s Budget, reports suggest, raising fears that some people’s retirements could be put at risk.Salary sacrifice schemes allow people to “give up” a chunk of their salary for a different benefit from their employer.Employers may offer salary sacrifice as part of their pension scheme as a tax efficient way to help workers boost their pots.When someone pays into a pension using salary sacrifice, the employer will pay the whole amount into the employee’s pension, including the employer’s contribution.( More