I can’t sell my leasehold flat – I had to borrow £6,600 from family for service charges

Sam Booty, 31, bought his first flat at 23 years old with his partner Amy – but seven years on he still cannot sell it.

He bought the one-bed home in Plymouth in January 2019 for £85,000. However, within two years of living there, fire safety inspections found serious defects in the building.

Sam said: “It has been effectively unsaleable ever since the defects were found. There is no EWS1 certificate so buyers can’t get mortgages.”

Where and when to see solar eclipse – and do you need glasses?

(FILES) People watch a partial solar eclipse??at New Brighton, a coastal suburb of Christchurch, on September 22, 2025. Day will briefly turn into night across a swathe of northern Spain on August 12, when the Moon will completely cover the Sun during a rare total solar eclipse. Here is what you need to know about the total eclipse, which is the first visible in mainland Europe since 2006. (Photo by Sanka Vidanagama / AFP via Getty Images)

With the UK set to see a rare partial solar eclipse on Wednesday evening, here is everything you need to know ahead of the event.

What you need to know

  • A solar eclipse occurs when the Moon moves between the Earth and the Sun, obscuring the Sun’s light for a few minutes.
  • Many parts of the country will experience between 89 per cent and 96 per cent coverage of the Sun.
  • This year’s eclipse occurs in the evening, starting at around 6.15pm and ending a little after 8pm – depending on your location. 
  • The next total solar eclipse over the UK will not happen until 23 September 2090.

The best places to view it

People in the south-west of England are likely to get the most coverage.

For the best view, it is important to go high up. In London, this could mean Primrose Hill or the Royal Observatory at Greenwich.

General view of the Royal Observatory Greenwich, south east London, ahead of the Solar eclipse on August 12, which will be the first total solar eclipse visible over mainland Europe since 1999. A partial eclipse should be visible from the UK, with around 90% of the Sun covered. Picture date: Friday August 7, 2026. PA Photo. Photo credit should read: Jordan Pettitt/PA Wire
Retired shepherd and self-taught astronomer Joaquin Tapioles disassembles one of his telescopes outside the farming village of San Agustin del Pozo, Spain, July 22, 2026. His fascination with the night sky began while helping his father tend sheep before dawn as a child, when he witnessed a meteor shower and was told the streaks of light were stars falling from the sky. REUTERS/Violeta Santos Moura

There will be events to watch the eclipse all over the country, including at Calton Hill in Edinburgh, Armagh Observatory, Pendennis Castle in Cornwall and the National Space Centre in Leicester.

Do you need glasses?

There has been a last-minute rush for eclipse glasses, with many high street shops and online retailers sold out. Experts have warned that normal sunglasses are not safe to use to view the solar event.

If you want to view the spectacle, you could alternatively use a pinhole camera to project the shadow of the eclipse onto a flat surface.

Planetarium Astronomer Dr Carys Herbert demonstrates wearing Celestron solar eclipse glasses during an interview with the Press Association at the Royal Observatory Greenwich, south east London, ahead of the Solar eclipse on August 12, which will be the first total solar eclipse visible over mainland Europe since 1999. A partial eclipse should be visible from the UK, with around 90% of the Sun covered. Picture date: Friday August 7, 2026. PA Photo. Photo credit should read: Jordan Pettitt/PA Wire

5 min read

We should smile at our dogs – a new scientific study reveals why

Man’s best friend can distinguish between positive and negative emotions, according to researchers at the University of Vienna.

ONLINE EMBARGO 16.00 BST, 10/08/26 Four of the canine participants who took part in the study: Morante, Kunkun, Odin, and Molly (from left to right). Researchers scanned their brains to explore how dogs process human emotional expressions. // Dogs really can distinguish between human fear and sadness, reveals new research.Dog lovers have long known that their four-legged friends are remarkably good at interpreting the laughs, frowns and tears of people around them.But the biology behind that ability has remained largely unexplored until now. Researchers peered inside the brains of dogs as they viewed images of various human expressions for the new study. Photo released 10/08/2026

What you need to know

Woman bonding with her border collie dog at sunset by the lake
  • Scientists studied 14 dogs who sat in MRI scanners to see what happens in their brains.
  • The reward centre of their brains “light up” with activity when shown photos of smiling human faces.

3 min read

What does this mean?

Laura Cuaya, one of the study’s lead researchers, said “This finding suggests that happy faces, even those of strangers, have a positive value for dogs”.

She added: “We can reward our dogs with treats, but also reward them with happiness.”

A dog with it's owner during a farmers protest at Stormont buildings, Belfast, as a review is held on the 51 cattle which were shot dead last month on land near Fivemiletown in CoTyrone, in a cull carried out by the Department of Agriculture Environment and Rural Affairs' (Daera) Humane Slaughter Team. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Mark Marlow/PA Wire
Nelson the dog with Shahnaz, an RSPCA inspector. // A dog who was suffering with two skull fractures and a catalogue of other severe wounds when he was rescued by the RSPCA is now loving life in a new home following an amazing transformation captured in a heart-warming video. The animal welfare charity was responding to reports that a man had beaten and attempted to strangle a dog in the garden of a property in London when the rescuer came across Nelson who had serious head wounds and other visible injuries. Photo released 30/07/2026
Handout photo issued by Forestry England of a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 in Hampshire after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Forestry England/PA Wire NOTE TO EDITORS: This handout photo may only be used for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

Firefighters work ‘tirelessly’ to contain   fire

Firefighters are beginning a third day of tackling a fire in the New Forest which they say they are “managing to contain” after working “tirelessly” through the night.

Hampshire Fire and Rescue Service initially scrambled 26 fire engines and four water carriers to the eastbound A31 after receiving 160 emergency calls reporting a van had caught fire on Sunday evening.

How did the fire progress?

The fire service said the blaze spread from the vehicle to the central reservation before progressing into nearby heathland in a south-easterly direction towards Backley Bottom, and is in a “challenging rural location”.

An update released on Tuesday by the fire service said that a change in wind direction had “provided a challenge” overnight but it was managing to prevent “spread and escalation”.

Firefighters tackle the fire at a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Andrew Matthews/PA Wire

Cows face backdrop of smoke

Handout photo issued by Forestry England showing cows standing in front of a plume of smoke coming from a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 in Hampshire after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Forestry England/PA Wire NOTE TO EDITORS: This handout photo may only be used for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

A closer look at the detail

A total of seven fire engines, with water carriers and off-road vehicles, were involved in the operation overnight, which continued to use water pumped through miles of pipes laid from a nearby lake as part of a high-volume pump (HVP) system.

New Forest ponies outside The New Forest Inn in Emery Down in the New Forest, Hampshire. Parts of the UK are set to see their fifth heatwave of the summer as the country continues to bake in an unprecedented period of dry, hot weather. Picture date: Sunday August 9, 2026. PA Photo. Photo credit should read: Andrew Matthews/PA Wire
Smoke rises from a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Andrew Matthews/PA Wire

And the A31 – the main route through the New Forest – remains closed, with National Highways saying that repairs needed to “significant” damage to the road surface can only start once the fire is safely under control.

The story in pictures

Smoke rises from a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Andrew Matthews/PA Wire
PETERSFIELD, UNITED KINGDOM ??? AUGUST 10: A general view of a smoke-filled sky looking towards the New Forest from Butser Hill on August 10, 2026, in Petersfield, United Kingdom. Petersfield sits within the Solent and South Downs drought zone, which was officially declared in drought on August 10. Along with areas declared last week, 71.3% of England is now experiencing a flash drought, a rapidly developing drought caused by a combination of very low rainfall and high temperatures. (Photo by Brook Mitchell/Getty Images)

What did the fire service say?

Thanks to the efforts of firefighters we are managing to contain the fire. We have been using a mix of fire engines and off-road vehicles to damp down and cool the edges of the area involved in the fire to prevent spread and escalation.

Smoke rises from a major heathland blaze in the New Forest near Ringwood in Hampshire. More than 20 fire engines are tackling the blaze near the A31 after a vehicle fire spread to the nearby heathland on Sunday. Picture date: Monday August 10, 2026. PA Photo. Photo credit should read: Andrew Matthews/PA Wire

How much parents could save from new school uniform rules

A new law coming into force in September means parents in England will save money by having to buy fewer branded items of school uniform.

What does the new law mean?

From September, uniforms will be limited to three items with a school logo, like a blazer, jumper or sportswear – plus a tie for secondary schools.

new uniform on bed in girl's room
Two high school friends, one wearing glasses, on way to school with contented expressions

The government says the changes will save some families “up to £50 per child”.

How will the law be enforced?

Who shall we choose?

Who is affected?

Around 23 per cent of secondary schools will have to change their uniform lists by September.

How will it be enforced?

The education secretary has legal powers to direct schools to comply.

LONDON, UNITED KINGDOM - JULY 15: Secretary of State for Education, Bridget Phillipson arrives at Downing Street for a weekly Cabinet Meeting in London, United Kingdom, on July 15, 2026. (Photo by Rasid Necati Aslim/Anadolu via Getty Images)
Group of female friends chatting in school corridor, carrying bags, wearing school uniform

The rest of the UK

Scotland, Wales and Northern Ireland do not have a cap on uniform items, but are encoureged to keep uniforms costs minimal.

Rear view of a young woman receiving an injection for flu in an hospital - healthcare and medical insurance concept

How England could eliminate hepatitis C

England is “on the cusp” of becoming one of the first countries in the world to eliminate hepatitis C, health officials have said.

What have the health officials said?

Global health leaders have set out plans to eliminate viral hepatitis by 2030.

A medical worker stores a swab in a vial at XL Schiphol test location, after Dutch health authorities said that 61 people who arrived in Amsterdam on flights from South Africa tested positive for COVID-19, in Amsterdam, Netherlands, November 27, 2021. REUTERS/Eva Plevier
A member of the medical team holds up a used swab from a PCR test (Photo: Leon Neal/Getty)

NHS England said the nation is one of a handful of countries globally to have already exceeded the World Health Organisation benchmark of treating 80 per cent of all known cases.

It said that deaths from the virus have reduced by 36 per cent in the last 10 years.

What is hepatitis?

  • Hepatitis C is spread through contact with blood infected with the virus.
  • Many people have no symptoms but if it is not treated it can cause serious, and potentially life-threatening, liver damage.
  • A treatment course of antiviral drugs for eight to 12 weeks cures more than 95 per cent of cases.
  • NHS England said that since 2015, more than 100,000 people have been diagnosed and treated for hepatitis C.

The expert view

With  C curable in more than nine out of 10 cases, we are committed to finding and treating everyone who needs support and would urge those at greater risk to come forward by ordering a free and confidential home-testing kit online.

Professor Frankie Swords, NHS national medical director
Hepatitis C virus, illustration. Hepatitis C is most commonly spread by blood contact, through blood transfusions or the sharing of infected needles. It causes inflammation of the liver with jaundice and flu-like symptoms. There is currently no vaccine for hepatitis C.

Why August is the worst month for drink driving

File photo dated 26/11/14 of a pint of beer and a set of car keys on a bar in a pub in central London. More than a fifth (21%) of motorists have drunk alcohol after 10pm when needing to drive before 9am the following morning, a new survey suggests. Road safety charity IAM RoadSmart, which commissioned the poll, warned that drinking alcohol the night before getting behind the wheel can pose a "serious threat" because a "groggy head" means slower reaction times. Issue date: Friday July 18, 2025. PA Photo. Photo credit should read: Philip Toscano/PA Wire

August is the worst month of the year for drink-drive crashes as summer events create “more opportunities” to get behind the wheel after consuming alcohol, according to new research.

What does the research show?

RAC analysis found an average of 721 people were injured or killed in drink-drive crashes in August between 2014 and 2024.

Medical marketing and Healthcare business analysis report, Medical Expenditure, Medicare Payment - stock photo
A counselor writes on a clipboard while speaking with a patient whose open hands express vulnerability and trust, conveying support, active listening, confidentiality and compassionate care in a private therapy session.

Before July, there was an average 704 casualties over the 11-year period.

December, which is often associated with drink driving, had an average of 663 casualties.

File photo dated 03/12/2014 of a Road Traffic constable holding a breathalyser, as Generation Z drivers are more likely to agree drink-driving has become more "socially acceptable" than other generations, a new study has shown. Those aged between 18 and 27 have "not got the message" about the dangers of drink-driving, said Direct Line Motor Insurance, which questioned 2,000 UK adults in a survey released on Friday. Issue date: Friday December 26, 2025. PA Photo. Photo credit should read: Andrew Milligan/PA Wire

The expert view

Drink- is often seen  more of a Christmas issue, but our  shows collisions involving drivers who have consumed illegal levels of alcohol are actually far more common during the summer.

RAC head of policy Simon Williams 

Williams added that warmer weather, longer evenings and “festivals and barbecues” create “opportunities and temptation” for people to drink and then get behind the wheel.

5 min read

2 min read

Are you having as much sex as everyone else?

It’s natural for libido to wax and wane due to life events, dating status or hormonal changes.

And it can be hard to say what a “normal” sexual frequency is. But research and case studies give us a rough idea.

The statistics

When it happens

61%

 A 2023 survey concluded that almost two thirds (61 per cent) of us wait until night-time to have sex.

Only 14 per cent opt to get busy in the early evening, and 10 per cent in the morning.

 Research from 2019 suggests that the average number of times British live-in or married couples have sex per month is three. 

Are Gen Z having less sex than older people?

I see my partner on the weekends and have sex with others in the week.

Leanne, a 27-year-old influencer from Bristol has sex three or four times a week, but only sees her long-distance partner on the weekends. They have agreed they can both sleep with other people during the week.

35-year-old Rebecca usually sleeps with her partner once or twice per week due to not having much child-free time.

Clare, 32, says her job is busy and she has to schedule sex with her partner on weekends, or some afternoons twice a month. “Occasionally this slips and I do worry that it makes us not as connected,” she says.

I haven’t had the issue of my sex life drying up with menopause. I’m more aroused now.

I’ve been married for 15 years. I love my husband, but our sex life is non-existent, and has been for about five years.

I’m not really motivated to seek out partners; I vaguely like the idea of it but not enough to take any action.

I’ve been married for 20 years and sex has become something of a rarity. We maybe have sex once a week on a Sunday morning as we’re both relaxed and I can take Viagra late on Saturday night – without it, I can’t perform.

JACK, 63, OFFICE WORKER, KENT
Couple, talk and arguing with fight at house for disagreement, conflict and divorce discussion. Woman, explain and bored man for conversation, toxic relationship and drama and marriage fail in lounge - stock photo

The seven rules that could save your marriage

Keep your sense of self

I did what I thought I was supposed to do and forgot my needs and wants. I think it’s really important that you’re an individual and not just a person who is married.

KATIE STRATFORD*, A 55-YEAR-OLD MUM OF TWO, WHO DIVORCED ATER 19 YEARS
A married couple sitting in silence, looking in opposite directions. The image captures the concept of female loneliness within a marriage, emotional disconnection, and relationship problems. Symbolizes quiet desperation and isolation at home

Seven rules to save your marriage

The small things

Small things, like being brought a cup of tea or saying thank you, make a big difference.

Karen Deulofeu, who ended her six-year marriage, believes all couples should seek support, even before they think they need it.

Female psychiatrist discussing with mid adult woman during therapy session - stock photo
Young couple in serious discussion with mental health professional during marriage counseling session sit on sofa in living room at home. Therapy session and mental health concept.

Listen properly by repeating what you have heard and ask if you’ve got that right.

Don’t lose communication

People don’t talk about the deep issues; nobody else is going to do it for you. You don’t want to ask questions because it might rock the boat…you have to keep talking, and talk about what it is that you want within the relationship to keep going forward.

KATIE STRATFORD

Seven rules to save your marriage

Remember that things change

“What you see on social media and what friends say is quite often the nice version. Everything is a phase,” says Deulofeu.

Unhappy elderly couple sitting on a sofa together after arguing. Senior caucasian man and woman looking stressed and ready for divorce
A senior couple spend time in an indoor sunny market. The woman looks through a clothes on a rail as her husband waits patiently behind her.

Look at yourself first

“Focus on what’s in your control and what you can do differently, rather than the other person or a situation that you can’t control. Invest in understanding yourself,” she adds.

An EWS1 certificate is an assessment of a building that informs lenders and valuers about fire safety risks, particularly in buildings with cladding.

In 2021, when an inspection was carried out at Sam’s flat, it found the smoke control fans had been removed, unauthorised building works had compromised the fire separation between flats – which prevents the spreading of fire and smoke – the external wall system was combustible, and fire-resisting construction was inadequate.

Sam said: “My bi-annual service charges were around £766 in 2019 and £837 in 2020. Then, in July 2021, they jumped to £4,005 – so around £8,000 annually – and most of the jump was because of fire safety remediation and walking watch costs.”

A waking watch is a fire safety system where trained personnel continuously patrol a building to detect fires, raise alarms and manage evacuations, typically used as a temporary safety measure.

Sam believed he would be fully exempt from paying the portion of the service charges that went towards fire remediation because of the Buildings Safety Act introduced in 2022, in response to the Grenfell Fire in 2017.

“It was meant to be our rescue. It creates a ‘waterfall’ of liability that puts leaseholders last, behind developers and freeholders, for cladding and construction-era fire safety defects,” he said.

It also caps what leaseholders can be charged over 10 years and a £0 cap for qualifying leaseholders in low-value leases – worth under £175,000 outside London and £325,000 in the capital.

According to Sam, the directors of the building his flat is in confirmed the Act’s protections applied to the building but in December 2023, debt collectors were still sent after leaseholders to recoup the service charges that were for fire remediation.

He said: “I had to borrow £6,649.10 in 2024 from a family member to cover the service charge arrears I was being chased for. I have been paying £100 a month to pay it back but my family member recently absolved the debt.

“I’ve been in therapy since 2022 to cope with the situation, which continues.”

The reason Sam had to pay the arrears he had built up was because of a section in the Act which excludes “leaseholder-owned” buildings from the protections.

Although there are 107 leaseholders in the building, the freeholder personally owns 12 of the building’s leases and the building was classed as “leaseholder-owned” and exempt from the Act entirely.

He added: “That one classification shifts the entire remediation bill off the man who owns the building and onto the 107 ordinary leaseholders who don’t. And in June 2026, that same freeholder was criminally convicted and sentenced at Plymouth Crown Court for causing the fire safety failures.”

During all of this, Sam decided to move out in 2023 and rent the flat out as his mental health was “at an all-time low” and charges £665 a month.

“If I could have sold the flat then I would have but I couldn’t. I ended up paying £7,500 in higher-rate stamp duty as I was classed as a second-home buyer,” he said.

He could have reclaimed the stamp duty providing the second property he bought became his main residence and he sold his original home within three years of buying the second property.

The three-year window that would have let him reclaim his stamp duty formally closed on July 21 this year.

Sam says the flat loses him money each month after having to pay letting agency fees, the mortgage, service charges, tax and general maintenance.

“After the letting agent’s fee I receive £618.45 a month. Then I have to take off £380 for the mortgage, service charge is around £353 a month, tax roughly £25, plus insurance and maintenance. Net, I lose roughly £150 to £200 every month keeping a flat I never wanted to keep.

“I put it into auction from around July 2025 to March/April 2026. In eight months of listing, I received one offer, substantially below what was needed even to clear the mortgage, and I withdrew it,” he added.

An EWS1 certificate arrived in July, meaning lenders will now be able to lend on the flat to prospective buyers.

Sam said: “Assuming everything else lines up, I’ll now be trying to sell it again, seven years after I bought it and after everything that’s happened.”

Original source I can’t sell my leasehold flat – I had to borrow £6,600 from family for service charges

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