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Ukraine faces its darkest hour

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In a command post near the embattled eastern Ukrainian city of Pokrovsk, soldiers of the Separate Presidential Brigade bemoan the dithering in Washington about whether Kyiv can use western missiles to strike targets inside Russia.

If only they were able to fight “with both hands instead of with one hand tied behind our back”, then Ukraine’s plucky troops might stand a chance against a more powerful Russian army, laments an attack drone operator.

Surrounded by video monitors showing the advancing enemy, the battalion’s commander says his objectives have begun to shift.

“Right now, I’m thinking more about how to save my people,” says Mykhailo Temper. “It’s quite hard to imagine we will be able to move the enemy back to the borders of 1991,” he adds, referring to his country’s aim of restoring its full territorial integrity.

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Once buoyed by hopes of liberating their lands, even soldiers at the front now voice a desire for negotiations with Russia to end the war. Yuriy, another commander on the eastern front who gave only his first name, says he fears the prospect of a “forever war”.

“I am for negotiations now,” he adds, expressing his concern that his son — also a soldier — could spend much of his life fighting and that his grandson might one day inherit an endless conflict.

“If the US turns off the spigot, we’re finished,” says another officer, a member of the 72nd Mechanised Brigade, in nearby Kurakhove.

Ukraine is heading into what may be its darkest moment of the war so far. It is losing on the battlefield in the east of the country, with Russian forces advancing relentlessly — albeit at immense cost in men and equipment.

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Members of the Kharkiv regional recruitment office check a civilian’s documentation
Members of the Kharkiv regional recruitment office check a civilian’s documentation. Millions of Ukrainian men have been compelled to register for possible service or face hefty fines © Narciso Contreras/Anadolu/Getty Images

It is struggling to restore its depleted ranks with motivated and well-trained soldiers while an arbitrary military mobilisation system is causing real social tension. It is also facing a bleak winter of severe power and potentially heating outages.

“Society is exhausted,” says Oleksandr Merezhko, chair of the foreign affairs committee of the Ukrainian parliament.

At the same time, Ukrainian President Volodymyr Zelenskyy is under growing pressure from western partners to find a path towards a negotiated settlement, even if there is scepticism about Russia’s willingness to enter talks any time soon and concern that Ukraine’s position is too weak to secure a fair deal right now.

“Most players want de-escalation here,” says a senior Ukrainian official in Kyiv.

The Biden administration is aware that its present strategy is not sustainable because “we are losing the war”, says Jeremy Shapiro, head of the Washington office of the European Council on Foreign Relations. “They are thinking of how to move that war to a greater quiescence.”

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Most threatening of all for Kyiv is the possibility that Donald Trump wins next month’s US presidential election and tries to impose an unfavourable peace deal on Ukraine by threatening to withhold further military and financial aid. Trump repeated his claim last week that he could rapidly bring an end to the war.

Ukraine’s staunchest supporters in Europe may wish to keep it in the fight but lack the weapons stockpiles to do so and have no plan for filling any void left by the US.

Kyiv confirmed it was laying the groundwork for future talks in spectacular fashion when its troops seized a swath of Russia’s Kursk region in a surprise cross-border incursion in August. Zelenskyy said the land would serve as a bargaining chip.

And last week, in an attempt to shape the thinking of his allies, Zelenskyy visited the US to market his so-called “victory plan”, a formula for bolstering Ukraine’s position before possible talks with Moscow. Zelenskyy described it as a “strategy of achieving peace through strength”.

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President Volodymyr Zelenskyy meets Donald Trump at Trump Tower in New York
The Ukrainian president meets Donald Trump at Trump Tower in New York last week. The Republican presidential candidate has repeatedly claimed that he could quickly end the war © Shannon Stapleton/Reuters

Stepping into the maelstrom of the US election campaign, he held separate talks with President Joe Biden, vice-president Kamala Harris and her Republican opponent, Trump, to make his case.

At one point, Zelenskyy’s US mission veered towards disaster after he was criticised by Trump for resisting peace talks and censured by senior Republicans for visiting a weapons factory in the crucial swing state of Pennsylvania accompanied only by Democratic politicians. But in the end, he persuaded Trump to grant him an audience and salvaged his visit.

“It was not a triumph. It was not a catastrophe,” the senior Ukrainian official says of Zelenskyy’s US trip. “It would be naive to expect the applause we got two years ago,” the official adds, referring to the president’s address before Congress in December 2022, for which he received multiple standing ovations and declared that Ukraine would “never surrender”.


Yet the Ukrainian leader left Washington empty-handed on two central issues: US permission to use western weapons for long-range strikes on Russian territory; and progress on Ukraine’s bid to join Nato. The Biden administration has resisted both, fearing it could encourage Moscow to escalate the conflict, potentially drawing in the US and other allies.

US officials were unimpressed by Zelenskyy’s “victory plan”, which includes requests for massive amounts of western weaponry.

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An adviser who helped prepare the document says Zelenskyy had no choice but to restate his insistence on Nato membership because anything else would have been perceived as a retreat on the question of western security guarantees, which Ukrainians see as indispensable.

Despite Washington’s misgivings, the ability to strike Russian territory is also central to Zelenskyy’s victory plan, says the adviser. While US officials have argued that Russia has already moved strike aircraft beyond the range of western missiles, Ukrainian officials insist there are plenty of other targets such as command centres, weapons caches, fuel depots and logistics nodes.

Destroying them could disrupt Moscow’s ability to wage war, show Russian leader Vladimir Putin that his objectives of seizing at least four whole provinces of Ukraine are untenable and disprove his conviction that the west will lose interest in supporting Ukraine.

“Russia should not be overestimated,” says Andris Sprūds, Latvia’s defence minister. “It has its vulnerabilities.”

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Although Zelenskyy’s victory plan restated old objectives, its real significance is that it shifts Ukraine’s war aims from total liberation to bending the war in Kyiv’s favour, says the senior Ukrainian official.

“It’s an attempt to change the trajectory of the war and bring Russia to the table. Zelenskyy really believes in it.”

Multiple European diplomats who attended last week’s UN General Assembly in New York say there was a tangible shift in the tone and content of discussions around a potential settlement.

They note more openness from Ukrainian officials to discuss the potential for agreeing a ceasefire even while Russian troops remain on their territory, and more frank discussions among western officials about the urgency for a deal.

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Ukraine’s new foreign minister, Andrii Sybiha, used private meetings with western counterparts on his first trip to the US in the post to discuss potential compromise solutions, the diplomats said, and struck a more pragmatic tone on the possibility of land-for-security negotiations than his predecessor.

“We’re talking more and more openly about how this ends and what Ukraine would have to give up in order to get a permanent peace deal,” says one of the diplomats, who was present in New York. “And that’s a major change from even six months ago, when this kind of talk was taboo.”

Ukrainian public opinion also appears to be more open to peace talks — but not necessarily to the concessions they may require.

Polling by the Kyiv International Institute of Sociology for the National Democratic Institute in the summer showed that 57 per cent of respondents thought Ukraine should engage in peace negotiations with Russia, up from 33 per cent a year earlier.

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The survey showed the war was taking an ever heavier toll: 77 per cent of respondents reported the loss of family members, friends or acquaintances, four times as many as two years earlier. Two-thirds said they were finding it difficult or very difficult to live on their wartime income.

Locals pass an installation with a power transformer damaged by a Russian strike in Kyiv
Locals pass an installation with a power transformer damaged by a Russian strike in Kyiv. The Kremlin has already destroyed at least half of Ukraine’s power-generating capacity © Alina Smutko/Reuters

Life is about to get even tougher. Russia has destroyed at least half of Ukraine’s power-generating capacity after it resumed mass drone and missile strikes against power stations and grid infrastructure this spring.

Ukraine faces a “severe” electricity deficit of up to 6GW, equivalent to a third of peak winter demand, according the International Energy Agency. It is increasingly dependent on its three remaining operational nuclear power plants, the IEA noted. Were Russia to attack substations adjacent to these plants — despite all the obvious dangers — it could cause Ukraine’s power system to collapse, and with it heating and water supply. Central heating facilities in large cities such as Kharkiv and Kyiv are also vulnerable.

Another source of tension is mobilisation. Under new legislation, millions of Ukrainian men have been compelled to register for possible service or face hefty fines. At the same time, many Ukrainians know of men who have been randomly stopped at metro or train stations, often late at night, and carted off to mobilisation centres, a brief period of training and then the front line.

55%Share of Ukrainians who remain opposed to any formal cession of territory as part of a peace deal, down from a peak of 87 per cent last year

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“It is perceived as abusive, worse than if you are a criminal, where there is at least due process,” says Hlib Vyshlinksy, director of the Centre for Economic Strategy in Kyiv. “It tears people apart. The real enemy is Russia, but at the same time they fear a corrupt, abusive enrolment office doing the wrong thing.”

If Ukrainians have warmed to the idea of negotiations, a majority — 55 per cent according to a KIIS polling in May — remain opposed to any formal cession of territory as part of a peace deal.

“People want peace but they are also against territorial concessions. It is hard to reconcile them,” says Merezhko, the chair of the foreign affairs committee.

However, the KIIS survey shows the share of respondents opposed to any territorial concessions has dropped sharply from a peak of 87 per cent early last year. It also found that Ukrainians might be open to a compromise whereby, in return for Ukrainian membership of Nato, Russian maintains de facto control over occupied parts of Ukraine, but not recognised sovereignty.

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Other polls suggest Ukrainians are still confident of winning and will be disappointed by anything other than total battlefield victory. The biggest domestic problem for Zelenskyy might come from a nationalist minority opposed to any compromise, some of whom are now armed and trained to fight.

Nato secretary-general Jens Stoltenberg, left, meets Zelenskyy during the UN General Assembly in New York
Nato secretary-general Jens Stoltenberg, left, meets Zelenskyy during the UN General Assembly in New York. Ukraine has continued to push for security guarantees from the alliance © Ukrainian Presidential Press Service/AFP/Getty Images

“If you get into any negotiation, it could be a trigger for social instability,” says a Ukrainian official. “Zelenskyy knows this very well.”

“There will always be a radical segment of Ukrainian society that will call any negotiation capitulation. The far right in Ukraine is growing. The right wing is a danger to democracy,” says Merezhko, who is an MP for Zelenskyy’s Servant of the People party.

As the KIIS polling shows, making any deal acceptable that allows Russia to stay in the parts of Ukraine it has seized since its first invasion in 2014 will hinge on obtaining meaningful western security guarantees, which for Kyiv means Nato membership.

“The most important thing for us is security guarantees. Proper ones. Otherwise it won’t end the war; it will just trigger another one,” says a Ukrainian official.

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“Land for [Nato] membership is the only game in town, everyone knows it,” says one senior western official. “Nobody will say it out loud . . . but it’s the only strategy on the table.”


Nato membership remains Ukraine’s key goal, but very few of the alliance’s 32 members think it is possible without a full, lasting ceasefire and a defined line on the map that determines what portion of Ukraine’s territory the alliance’s mutual defence clause applies to. The model floated by some is West Germany’s membership of the alliance, which lasted more than three decades before the fall of the Berlin Wall and reunification with the east.

“The West German model is gaining traction particularly in the White House, which has been the most sceptical about Nato membership,” says Shapiro of the ECFR. “The Russians would hate that, but at least it could be some opening gambit for a compromise.”

But even that would require a vast force deployment by the US and its partners that any US administration, Democratic or Republican, would likely balk at, given Washington’s focus on the threat from China. One question would be whether European powers would be willing to shoulder more of the burden.

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Zelenskyy signs a shell during a tour of an ammunition plant in Scranton, Pennsylvania
Zelenskyy signs a shell during a tour of an ammunition plant in Scranton, Pennsylvania. His visit to the swing state accompanied by Democratic politicians drew criticism from Republicans © Ukrainian Presidential Press Service/AFP/Getty Images

And would Russia accept Ukraine’s entry into the alliance, an alignment with the west it has been trying to thwart militarily for a decade? Many on both sides of the Atlantic say it is unlikely.

“I don’t think Russia would agree to our participation in Nato,” says a senior Ukrainian official.

Anything short of full membership is unlikely to be enough to stop the Kremlin’s military aggression. “Even if we get a Nato invitation, it will mean nothing. It’s a political decision,” adds the senior Ukrainian official.

In what could be his last trip to Europe before standing down as president, Biden will chair a meeting of Ukraine and its allies in Germany on October 12.

A western official briefed on Zelenskyy’s talks in Washington said there were tentative signs that Biden might agree to advance the status of Ukraine’s Nato membership bid before he leaves office in January.

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As he left the US this weekend, Zelenskyy said that October would be “decision time”. The Ukrainian leader will once again plead for permission to hit targets inside Russia with western-supplied munitions, knowing that it is one of the few options for bringing hostilities to an end.

“It’s about constraining Russia’s capabilities” and piling on pressure to get them to open talks, says the senior Ukrainian official. “It’s a real chance if we are thinking about resolving this war.”

Cartography by Cleve Jones

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FCA secures first conviction for crypto ATM operation

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FCA secures first conviction for crypto ATM operation

The Financial Conduct Authority has secured its first conviction for illegal crypto ATM operation in the UK.

Olumide Osunkoya pleaded guilty to five offences at Westminster Magistrates’ Court on Monday (30 Sept).

Osunkoya, 45, was also convicted for using false documents and possession of criminal property.

Last month, the FCA charged Osunkoya with running a multimillion-pound crypto ATMs without authorisation.

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The regulator alleged that Osunkoya operated a network of at least 11 crypto ATMs that processed more than £2.6m in crypto transactions between 29 December 2021 and 8 September 2023.

During that period, he acted as a director of a company named Gidiplus Ltd and later as a sole practitioner.

It was also alleged that Osunkoya, the first person to be prosecuted for illegally operating crypto ATMs, completed no customer due diligence or source of funds checks on those who used his crypto ATMs located in local convenience shops across the country.

The court heard that those likely committing money laundering or tax evasion were using his machines. Osunkoya is suspected to have made substantial profit from the operation.

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Crypto ATMs are machines that allow customers to buy or convert money into cryptoassets. There are currently no legal crypto ATM operators in the UK.

The court also heard that Osunkoya created a false alias to try and evade FCA rules.

Sentencing for the offences will take place at Southwark Crown Court at a date to be confirmed.

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The most popular cheap hotel in Britain according to TripAdvisor – 4* ‘luxury B&B’ has great breakfast and honesty bar

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The Trelawny Hotel in Torquay has a range of different bedrooms available, from twin rooms to rooms with four-poster beds

A HOTEL located on the English Riviera has been rated among the cheapest places to stay in the UK.

The Trelawney Hotel in Torquay, Devon has earned itself a place on Tripadvisor‘s top 10 cheapest hotels list for offering a room rate of just £58 a night.

The Trelawny Hotel in Torquay has a range of different bedrooms available, from twin rooms to rooms with four-poster beds

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The Trelawny Hotel in Torquay has a range of different bedrooms available, from twin rooms to rooms with four-poster bedsCredit: TRELAWNY HOTEL, TORQUAY
The hotel has an ideal location, with beaches and the main town within walking distance

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The hotel has an ideal location, with beaches and the main town within walking distanceCredit: TRELAWNY HOTEL, TORQUAY

Offering “luxury” bed and breakfast accommodation, guests consistently comment on the hotel’s great value and service.

One guest who stayed in June this year wrote on the review website: “Fabulous hotel. Fantastic value for money and only 5 minutes walk down into town.

“Liz and Paul, the owners are very friendly and are very good hosts.”

The hotel is nestled conveniently close to the seafront, just 300m from Torre Abbey Sands.

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As the main beach in Torquay, it’s popular with holidaymakers from the surrounding hotels, day visitors and locals with its long sandy shore and great views across to the coastal town of Brixham.

Torre Abbey Meadows is also nearby – a grassy expanse which is perfect for picnics.

The hotel has a variety of rooms on offer, including twin, double, king size, family, and four-poster beds, all of which have en suite bathrooms, colour TVs and complimentary beverage trays.

And alongside good room rates, an ideal location, and comfortable rooms, guests seem to be enamoured with the spotless cleanliness throughout the hotel and its freshly-cooked breakfast.

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One guest wrote on Tripadvisor: “The rooms are spotlessly clean and the beds really comfortable…..a real home from home.”

Another said: “No dogs, No dirty stains on the carpets!!
Everything was spotless!”

Check out Watermouth Castle, one of Devon’s top tourist attractions boasting an amazing amusement park

As part of its extensive breakfast menu, the hotel uses local suppliers where possible, for example, for its free range eggs, bacon and sausages.

Another guest wrote: “Breakfast was delicious. You can opt for as much, or as little as you want and the ordering of breakfast the day before, is a great idea. Definitely would stay again.”

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Someone else penned: “A range of cereals , fruit, yoghurts, fresh orange and apple juice, tea and coffee was great, full English breakfast was lovely. I myself really enjoyed the poached eggs.”

One thing in particular that sets Trelawney apart from other hotels is it has an honesty bar, with guests saying they “loved the idea! and it “was a really nice touch”.

As well as being close to a beach, the hotel is ideally located for those who want to explore further afield with the South Devon coastline and Dartmoor National Park.

The English Riviera Conference and Leisure Centre is within 250 metres of the hotel, where you can visit one of its many staged events and swim in its wave machine pool.

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Torquay town centre is just a 10 minute walk away from the hotel, with plenty of shops and places to eat.

But if you don’t fancy walking, one guest shared a tip: “A bus runs you into town for just £1.50!”

Top 10 cheapest hotels on Tripadvisor

  1. South Lawn Hotel, Lymington – £143
  2. The Resident Liverpool – £84
  3. Ambleside Salutation Hotel – £185
  4. Trelawney Hotel, Torquay – £58
  5. The Beaumont Hexham Hotel – £138
  6. The Hide London – £129
  7. The Grange At Oborne, Sherbone – £128
  8. Dukes Bath – £216
  9. Hunters Moon Hotel, Sidmouth – £166
  10. Premier Inn Milton Keynes Central (Xscape) hotel – £90
Torre Abbey Sands is the main beach in Torquay and within walking distance of the hotel

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Torre Abbey Sands is the main beach in Torquay and within walking distance of the hotelCredit: Alamy
Each room at Trelawny has its own en suite bathroom, TV and beverages tray

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Each room at Trelawny has its own en suite bathroom, TV and beverages trayCredit: TRELAWNY HOTEL, TORQUAY
Breakfast at the hotel is highly rated among guests, with an extensive menu on offer and local produce used

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Breakfast at the hotel is highly rated among guests, with an extensive menu on offer and local produce usedCredit: TRELAWNY HOTEL, TORQUAY

The Trelawny Hotel came fourth on Tripadvisor’s cheap hotels list, but offers cheaper rates than the hotels before it.

For Brits looking for a cheap holiday abroad, Marrakesh has been named the best budget Autumn getaway.

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It was crowned Most Budget Friendly Autumn Getaway 2024 by DiscoverCars.com.

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Ex-Fujitsu boss admits Post Office meetings where Horizon discussed

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Ex-Fujitsu boss admits Post Office meetings where Horizon discussed

The former boss of Fujitsu UK has admitted having four meetings with Post Office chief executive Paula Vennells, some of which included discussing Fujitsu’s Horizon IT system.

Previous media reports had indicated that Michael Keegan, the husband of former Conservative minister Gillian Keegan, only met Ms Vennells once and that Horizon was not discussed.

Between 1999 and 2015, more than 900 sub-postmasters were wrongly prosecuted after the faulty Horizon software made it look like money was missing from Post Office branch accounts.

Lawyers for Mr Keegan said he regretted that sub-postmasters were prosecuted unfairly and denied playing any part in it.

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Mr Keegan has confirmed to BBC News he had four meetings with Ms Vennells during his 13 months as chief executive of Fujitsu UK, from May 2014 to June 2015.

Two of these were face-to-face meetings and the other two were telephone calls.

During his time in charge, MPs launched an inquiry into the Horizon software, and Second Sight, a team of forensic accountants, were investigating the system.

Ms Vennells was chief executive of the Post Office from 2012 to 2019.

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In 2022, Mr Keegan successfully complained to the press regulator IPSO, about a Sunday Times article. A summary of the complaint in the IPSO ruling, indicated that he had met Ms Vennells only once.

Lawyers for Mr Keegan said that at the time, he had only remembered having one face-to-face meeting.

Post Office Minister Gareth Thomas said he was surprised to hear about the meetings.

He said: “Certainly [the Post Office IT inquiry’s] conclusions about Fujitsu will be one of the things in particular that I look out for in [the] inquiry report.”

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In response to a Freedom of Information request by the BBC, the Post Office said that after a review of emails, it had located references to six meetings during Mr Keegan’s time in charge but that it was “unable to verify whether all these meetings took place”.

It also said it did not believe the information it held was a “complete record of all meetings between both parties”.

Mr Keegan’s lawyers said two of the meetings referred to by the Post Office never happened.

One conversation, in 2015, between Mr Keegan and Ms Vennells followed Fujitsu being approached by BBC Panorama about its investigation into the Post Office and the flawed Horizon IT system.

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And despite previous media reports claiming that the Horizon system was never discussed, a letter from Mr Keegan to Ms Vennells includes reference to the “current application”. It appears that the application he was referring to was Horizon.

In the letter dated 14 November 2014, Mr Keegan appears to be arguing against the Post Office shaking up the structure of its IT systems, including Horizon, and inviting new suppliers to bid to run them.

He also appears to propose that the Post Office should keep at least some parts of Horizon and pitched this to Ms Vennells as an “evolutionary approach that will provide the digital front end you need but will retain much of the investment already made in the stable back end of the current application [Horizon]”.

Mr Keegan’s lawyers said that his involvement in the Post Office contract related to strategic and commercial decisions, he did not discuss the details of Horizon with Ms Vennells, and that the letter related to Fujitsu’s decision to exit as the supplier of the Front Office Tower – the name given to the IT contract which encompassed Horizon.

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The documents reveal that Mr Keegan and Ms Vennells met for the first time within days of his appointment as chief executive of Fujitsu UK.

In an email dated 23 May 2014, he writes: “It was good to meet on Monday.”

He thanks Ms Vennells for her “candour” and adds: “Within Private Sector, you are our most important customer by far and I want that position to remain as such for the foreseeable future.”

His second meeting with Ms Vennells is confirmed in a letter dated 14 November 2014, which he says is a follow-up to “our conversation on 31 October”.

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Mr Keegan’s lawyers said the first meeting was not about Horizon and was attended by several other people.

They said the second meeting was a short telephone call to inform the Post Office that Fujitsu would not be bidding in the procurement process to replace Horizon.

A few weeks later, according to the records disclosed by the Post Office, the two chief executives met on 2 December.

Ms Vennells followed this up with an email in which she wrote: “Thanks again for the meeting.”

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Lawyers for Mr Keegan told the BBC this was the only time their client attended a one-to-one meeting with Ms Vennells and the purpose of the meeting was to discuss Fujitsu exiting as a supplier of Horizon.

The documents also give the impression of a close relationship.

“Thank you for your time and your honesty. We both have concerns in this situation and I’m glad we were able to share them in a frank way,” Ms Vennells writes.

“I suggest we keep regular contact – and breakfast on me next time, or a drink in (REDACTED).”

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Mr Keegan replies by email 10 minutes later.

“My pleasure and really good to spend time together to discuss all these matters in such an open way.”

Mr Keegan’s lawyers say the pair did not keep in regular contact or meet again in person.

They did however have one further telephone call, on 25 June, after Fujitsu was approached by BBC Panorama about the programme’s investigation.

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The following week Mr Keegan started a new role as head of Fujitsu Hardware.

The Panorama investigation was originally due to air on 22 June 2015 before being delayed until 29 June, four days after Mr Keegan and Ms Vennells’ call.

The programme, which broadcast the testimony of a Fujitsu whistleblower, eventually aired on 17 August.

The Post Office said it had found references to two other meetings over the final weekend of May 2015 but Mr Keegan denies they took place.

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Mr Keegan’s lawyers told BBC News that the prosecutions of sub-postmasters as a result of Horizon data had effectively ceased by 2013, pre-dating his appointment as UK chief executive.

The BBC’s Freedom of Information request was originally made in January 2024 when Gillian Keegan was education secretary and her husband was four years into a Cabinet Office role overseeing the government’s relationship with a key commercial supplier.

The Post Office only responded to the BBC’s request in August, more than six months after the deadline required by law.

Mr Keegan voluntarily stepped down from his Cabinet Office job in late January while his wife lost her seat at the general election in July.

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Lloyds Bank down UPDATES: Hundreds of users also locked out of mobile banking services at Halifax and Bank of Scotland

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Lloyds Bank down UPDATES: Hundreds of users also locked out of mobile banking services at Halifax and Bank of Scotland

HUNDREDS of users are reporting issues with Lloyds Bank, Halifax and Bank of Scotland this morning.

The main issue appears to be with access to online banking, with more than 60 per cent of customers having problems , according to Downdetector.

A further 34 per cent of people have reported problems with logging into mobile banking services, with

Users have also been locked out of mobile banking services at Halifax and Bank of Scotland, according to the website.

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In a statement on X, Lloyds Bank said: “We know some customers are having issues with Internet Banking and Mobile Banking. We’re sorry about this and we’re working to have everything back to normal.”

Follow our live blog below for all the latest updates …

  • Statement from Lloyds on X

    Lloyds says it is “working to have everything back to normal”.

    We’ll bring you up updates as they happen.

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Labour’s lofty education goals need outside innovators

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With a fresh crop of Labour ministers at the helm, is it still education, education, education — so many years after Tony Blair, on the eve of power, first declared that these would be the party’s priorities in government? The new education secretary, Bridget Phillipson, (A-level results: four straight As, as she confessed over the summer) seems to be a star performer in the war for the chancellor’s ear. The party conference in Liverpool, conspicuously gloomy on many fronts, revealed that Rachel Reeves is likely to back a big push to expand early years education and nurseries, a key Phillipson ask.

Ambitious goals set out by Phillipson — an Oxford graduate who grew up in poverty — to “break the link between background and success”, mean that the state is going to need input from schools and charities experimenting with what helps deprived children. Like all spending departments, hers has been warned not to expect largesse. It is left, as one school leader said, “looking for sixpence down the back of the sofa”.

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I pondered this lack of funds while gazing into several impressive — and expensive — craters earlier this year on a tour with Lucy Heller, chief executive of the academy schools chain Ark, of the building site to be opened with fanfare next week under the umbrella name of EdCity. This new hub for children and families comprises a primary school, youth club and 132 affordable homes in a neglected, deprived corner of west London. There will also be an adult education centre and nursery.

The buildings that have risen up out of those muddy holes are designed to house services to help families with a variety of needs all on one campus.

“Still a few hard hat areas,” Heller updated me later. “But it looks very handsome.” EdCity is in one of Europe’s largest social housing estates, which has remained stubbornly untouched by the newly buzzy atmosphere a short walk away: Wood Lane is home to a Soho House private members’ club, a gleaming Imperial College outpost, a start-up incubator and more.

“We need partnerships”, says Heller, “for parts [of society] that nearby commercial regeneration don’t reach.” She sees the future of schools as “community hubs”, offering the government a way to provide help to families in need. The £150mn funding for the project came from Ark’s own charitable fundraising and the local council, Hammersmith and Fulham. She is advising academy trusts around England interested in similar projects.

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The Laidlaw Schools Trust, consisting of 11 schools in areas of high deprivation in north-east England, is piloting on-site nurseries alongside help with training and skills for parents. The aim is to try to improve the “school readiness” of children from disadvantaged homes — and the employment prospects of the whole family.

Ark and the Laidlaw group are confident that Phillipson will make the most of what she can learn — and copy — from their early years provision, at least. Heller believes that school improvement across the system depends on the question: “How can you share rather than reinvent the wheel every time?”

Clearly, funding from well-supported school groups and education charities is welcome while the public purse is so firmly closed — although reliance on philanthropic cash can be a get-out for the Department for Education. Former FT columnist Lucy Kellaway’s initiative Now Teach, which recruits late-career professionals to shortage subjects such as maths and languages, has lost its government funding. Labour ministers have so far declined to rescue it, citing the previous government’s failure to fund teachers’ pay rises for the squeeze — leaving Kellaway to keep the scheme going this academic year only after donors rode to the rescue.

There will be no swift return to DfE funding experimentation but the tried-and-tested schemes of academy chains such as Ark and Laidlaw have a better chance of flattery by imitation as ministers look at how to fix the complex family problems holding kids back. One Laidlaw head reported that the worst problem in her school right now was the mental health of parents — the future Bridget Phillipsons may rely on the secretary of state seeking solutions outside the classroom.

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miranda.green@ft.com

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Six local authorities join investors in ACCESS UK Core Fund

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Six local authorities join investors in ACCESS UK Core Fund

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