Tennis for the british star. There was a major upset to level the davis cup tie against spain. And the six nations gets underway. 15 matches across the next two weeks. It all sta rts across the next two weeks. It all starts here in cardiff, wales against scotland. And theyre back. The spice girls say the time is right to explore new opportunties. But what will those opportunties be . Well try to find out. And ben rich has the weather. Good morning. Good morning. Your saturday looks damp and cold. There will be some snow over high ground. The weather looks set to be called throughout the weekend and into next week. More later. Good morning. First, our main story. Small businesses affected by the collapse of carillion are being offered the chance to apply for government backed loans from high street lenders. Thousands of suppliers were left unpaid after the firm went into liquidation in january. Our Business Correspondent joe lynam reports. Britains second biggest Construction Company collapsed three weeks ago leaving debts of almost £1 billion and a pensions deficit ofa similaramount. Apart from those directly employed at carillion, thousands of smaller suppliers and contractors faced ruin due to unpaid debts. Now the government is providing guarantees to small firms worth £100 million through the state backed British Business bank. These will allow companies who lost money due to carillion get bank loans. But it also means taxpayers might be on the hook if someone defaults. Additionally the uk Banking Sector has promised to take the circumstances surrounding carillion into consideration if individuals face problems repaying loans, overdraft or mortgages. The extent of the damage to the wider uk economy of one firms collapse is coming into sharp focus. Joe lynam, bbc news. A father whose three daughters were among those abused by us gymnastics doctor larry nassar has apologised, after trying to attack him at a court in michigan. Nassar was sentenced to up to 175 years in prison last month after more than 150 women testified that he had sexually abused them. Nedder towfik reports. To my parents, thank you for all your love and support through all of this. Throughout Larry Nassars sentencing hearings, women have shared their horrific tales of abuse at the hands of the disgraced doctor. On friday, the testimonies continued, with the heartbreaking account of the margraves family, whose three daughters were all victimised. After hearing two of his daughters recount their ordeals, Randall Margraves asked for a turn to speak as a distraught father. I would ask you to, as part of the sentencing, to grant me five minutes in a locked room with this demon. I have a feeling. Would you do that . That is not how our. Yes or no . No, sir, i cant do that. Would you give me one minute . You know that i cant do that. Thats not how our legal system. Well, im gonna have to. The chaotic and raw moment showed the guilt and pain that parents and families are still struggling with. Believing the father had suffered enough, the judge said he would be released without charge. Theres no way that this court is going to issue any type of punishment given the circumstances of this case. At a press conference afterwards, the margraves girls defended their father. He reacted in a way that i feel most fathers would have done and probably Randall Margraves said he was not a hero, but the real heroes were his girls and the other victims. If it wasnt for all the brave girls and women that have come forward before now, i dont know if my family could have come forward now. The case has inevitably sparked numerous investigations into why Michigan State university, where he was employed, along with usa gymnastics and the Us Olympic Committee failed to stop him. The conservative mpjacob rees mogg, a prominent brexit campaigner, has been caught up in scuffles. Police were called, but so far no arrests have been made. The university of the west of england said it was appalled by what happened and it fully supported free speech. I think that we live in a free society and freedom of speech is very important. And people like me who advocate freedom of speech must support it when its not exactly what we want, as well as when it is what we want, so i think theyre entitled to protest, theyre entitled to disapprove and dislike my views. I think its sad that they dont want to engage and discuss them. The boss of the fbi has hit back at donald trump in a row over the release of a secret republican memo, which accuses the agency of political bias against the president. In an email to staff, Christopher Wray said talk is cheap and that the bureau would continue to investigate independently and by the book. Democrats have said the release was another effort to undermine the inquiry into alleged collusion with russia. 0ur north america correspondent peter bowes reports. This is the memo that sunk relations between the president and the fbi to a new low. The document, written by republicans, makes the case that the Justice Department and the fbi showed bias towards donald trump while buying on one of his advisers. A warrant for the surveillance operation was based on a dossier of information compiled by a former British Intelligence agent who was desperate for donald trump to lose the election. I think its a disgrace whats happening in our country, and when you look at that and you see that and so many other things, whats going on, a lot of people should be ashamed of themselves and much worse than that. But the democrats say the memo doesnt tell the full story and is a shameful effort to discredit the Ongoing Investigation into the trump campaigns links with russia. The head of the fbi is defiant. Addressing his staff, Christopher Wray said reporter is the memo a dud, sir, is it a dud . Donald trump is smiling again but this is a vicious fight at the heart of the us government. Some are saying the only winners are the russians. Peter bowes, bbc news. Many gps feel under valued, unable to provide safe care and say they have no choice but to quit, according to in Depth Research with doctors who have left the profession early. Nhs england has promised an extra 5,000 gps by the end of the decade, but the most recent statistics show the number has instead dropped by nearly 1,200. The department of health and social care says it has their highest ever number in training. It looks like its true, friendship never ends the spice girls have confirmed theyre reuniting to work on new opportunities. They posted this picture with emma bunton, baby spice, commenting that the future is looking spicy. Its the first time theyve been seen together like this since 2012. After girl power swept the planet in the 90s, they split in 2000, but performed at the closing ceremony of the london olympics. This was one super fans reaction. If im going be completely honest, i broke down in tears. I was literally in the back of my friends car, i was, like, theyre back theres been rumours for literally months, years, decades, all saying theyre going to get back together, theyre gonna do something, an anniversary special, another tour. 0bviously since the olympics theres been this massive craze, we need the spice girls back millions of people still want them. I think now especially with the Metoo Movement and feminism being at the forefront of news and stuff, which is great. We are also hearing that lady gaga has cancelled some of her tour dates. She says she is devastated, but needs to put her well being first. It is linked to a long term condition. Just to confirm, the last dates of lady gagas tour has been have been cancelled. Lets return to our top story this morning. A multi Million Pound package of support is being offered to Small Companies affected by the collapse of carillion last month. The state backed British Business bank will guarantee £100 million of lending for struggling companies. Since carillions collapse weve heard from people like kevin mcloughlin. He owns a painting and decorating firm which carried out work on behalf of carillion. Lets remind ourselves of his story. People turned up to work and 30 people were sent home. We were not advised in the office and now people are looking for other work. A very difficult situation and no one told us difficult situation and no one told us it would happen. Wejust finished battersea power station and two large residential blocks. Weve lost the money that they have owed us and we have lost a forward order worth half £1 million. We were working for a company that was worth £2 billion and now they are worth half a billion. No one communicated with us about the problems. And kevin mcloughlinjoins us now from our london studio. Thank you for talking us talking to us again. How are things . Be forward orders that we lost, developers called this in a week recovered that. The money we were owed, we knew we were not going to get. As a business we dont carry debt and we have not made as much money. We did have a good year, but profits are down. I am glad to hear that things have got better because i knew it was a real worry for you, along with other businesses. What do you make of the hundred million that is going to be used to give businesses like you a loan if they need it . I dont think it should happen. We work in a market economy and what has happened is very u nfortu nate. And what has happened is very unfortunate. Because my company does not carry debt, the money that i have lost, i wont be helped by anyone. The smaller people who are going to get help or anyone who needs help, i think it is valiant to do that, but the money would have been better spent, they should have looked deeper at the korean problem and we would not be in the mess we are in now. This happened three weeks ago and if it had been locked up weeks ago and if it had been locked up properly, the government would have said they were going to set the money aside then and they did not. Did you feel as one of the contract is that they were in trouble . The Profit Margins were ridiculously low, but we were being paid. Even the weekend when it all happens, it was only on the monday morning that it actually went public at seven oclock. I know it is brilliant your business is doing well. 0ther businesses, its not so great. Im sure you have spoken to other Business Owners as well. Im at a meeting in the city with one of the developers. 0n the job we were on the five companies have gone into liquidation. Some people dont want to talk. Its like mortgage arrears. If you are in debt, you dont want to tell your friends. I went public because the public need to be told. A lot of people are hurting, suppliers, manufacturers, the fallout will only accelerate. How does it make you feel about working with large contractors in the future . Is the industry we work in, it is the system. The system is seriously flawed, but im lucky that in my business 60 of our work is outside of construction and we have diversified, but if you are one of the allied trades, a plumbing company, electrical company, working on these Major Contracts, you can only work for a Major Contract as they control everything. Thank you for your time this morning. We really appreciate it. Youre watching breakfast from bbc news. Its time now for a look at the newspapers. First, lets look at the front pages. Lets start with the daily telegraph. The spice girls have got together, at least for a bit of a chinwag. They are alluding that something is in the offing. Also, the biggest marriage shake up in 200 yea rs. Lets have the biggest marriage shake up in 200 years. Lets have a look at the times. The picture of Gillian Anderson there. Also, russians in britain told to reveal the riches. The mirror is leading on problems in the nhs with any weighting targets being axed. Tory cuts are making them impossible to keep. The guardian is focusing on food. They say that half of the food bought by families in britain is processed. The daily mail focusing families in britain is processed. The daily mailfocusing on families in britain is processed. The daily mail focusing on the figures regarding prostate cancer. Broadcaster Beverley Turner is here to tell us whats caught her eye. Where are we starting . We are starting where we began which is with the formula 1 girls. Its been a fascinating week. The debate started about the fact that this was outdated and its not fair to use women like this at sporting events. Its about class. It is patronising because we do not have any idea about the class of these women. And some of these women who work in these roles enjoy theirjobs and people should not tell them what to do. The male owners of f1 have been by their absence. Its not about a feminist telling a woman that she should not do this job, they only work one weekend a year. For the sake of millions of women who will not have to be judged solely on what they look like, who will go to a Job Interview and be judged on their knowledge rather than the looks. Times are changing. When the Sun Newspaper band page three, i dont believe there was an outcry about what these women would then do for a living. Its a fascinating debate, but lets pick up fascinating debate, but lets pick up on fascinating debate, but lets pick up on some fascinating debate, but lets pick up on some other issues. This is a little story. It deserves a higher profile and it probably will get it as the week goes on. Inducing early saves babies. This is a study in chicago that has found that out of 6100 pregnant women, when they were injuice before 42 6100 pregnant women, when they were in juice before 42 weeks of term, ca esa rea ns in juice before 42 weeks of term, caesareans fail. The solution to bad birth is not to induce women early unnecessarily. Nature tends to get it right. Many unnecessary ca esa rea ns it right. Many unnecessary caesarea ns are it right. Many unnecessary caesareans are being carried out, but there are also too few ca esa rea ns but there are also too few caesareans being but there are also too few caesarea ns being carried but there are also too few caesareans being carried out when they are needed. The solution to this problem is notjust medically inducing women, which can be very painful and uncomfortable. And theres also this idea that all that matters is a healthy baby. Alongside that you should also have a great birthing experience. We also know the best possible application of support for a pregnant woman is to give her a midwife that she knows. You dont think the most important thing during the birth process is. Is this idea when it comes to birth that a healthy baby is all that matters. Some women have had traumatic birthing experience and then people say, you have a healthy baby and that is all that matters. Its a big problem. Healthy baby should be the least of our expectations and on top of that we should be treated well, listen to, to have a midwife that we know. If we wa nt to have a midwife that we know. If we want to reduce our caesarean section rates and reduce the number of on ventilators, we have the worst stillbirth rates in this country and women are being let down on a daily basis. Inducing winning early before the babies are due is not the answer. Our time is limited. I know you will be back in the next hour. We will talk some more then. Heres ben with a look at this mornings weather. Good morning. Sometimes we look at the pictures from our weather watchers and we think, its beautiful, lets get out there, but the pictures coming in this morning are uninspiring. This one from woking sums things up completely. It great, damp and cold and has some of us great, damp and cold and has some of us its cold enough for some snow. This is a weather front that is slow moving. It is hanging up across the British Isles and running into some cold air. It brings potential for cold ice and snow mixed in over high ground, especially across parts of scotla nd high ground, especially across parts of scotland and down into northern england. By lunchtime parts of scotla nd england. By lunchtime parts of scotland and Northern Ireland should be brightening up, but hefty showers across eastern scotland. 0utbreaks of rain, 2 degrees in manchester and birmingham. Its unclear how much rain we will get in east anglia and the saudis, but it would eventually arrive by the afternoon. As we go through the afternoon outbreaks of patchy rain and hillsborough. East anglia and the south east. As we go through saturday night the rain and hillsborough will fizzle away, but wintry showers still around. Temperatures hovering perilously close to freezing. Most of us starting tomorrow a degree or so of us starting tomorrow a degree or so above freezing. Not so for large parts of Continental Europe. The blue colours indicate a sub zero start. Why do i mention it . Tomorrow oui start. Why do i mention it . Tomorrow ourairwill be start. Why do i mention it . Tomorrow our air will be from that cold continent. That will give a strong, cold north easterly wind, particularly in southern areas. Elsewhere are a lot of dry weather and sunshine with lighter winds in the north, but where the winds are strong in the south, this is what it will feel like tomorrow. The weather system approaching from the northwest could bring snow as it moves in in between a fair amount of dry weather. As we look at the coming week, it will stay cold and at times we will see some overnight frost and the potential for some snow in places. Parents never stop worrying about their children even after they grow up but imagine if you were your childs carer even in adulthood. Families looking after adults with complex disabilities say they live in fear of what will happen when they are no longer around. Research by the charity sense suggests only one in three local authorities know how many disabled adults are being cared for by their families. With us now is kate fitch, head of policy at sense and inge ahmad who is is a carer for her 35 year old daughter noreen. Thank you forjoining us. Tell us a bit about what life is like for you and noreen. Good morning. Noreen is and noreen. Good morning. Noreen is a delightful girl. She has a lovely sense of humour, but with me getting older, its becoming more difficult to ca re older, its becoming more difficult to care for her. I am not as strong and with noreen getting older, not a strong either. It is getting harder. She moves her legs, so i can walk with her. We have now made provisions to have her downstairs so ican care provisions to have her downstairs so i can care for her. We are just looking at pictures of you with noreen. We can see how physical it is. You must be worried about what will happen next. This is the terrifying bit to be quite honest. I can barely think of it. I resist doing something about it because i know i will have to look at Residential Care, but ijust dont wa nt Residential Care, but ijust dont want to. I have a real battle there. I worried because my daughter is rather quiet. She has no speech and does not talk. I am thinking, they might put her in a corner and forget about her because she is so quiet and that would be awful because she is such a lovely girl. With ours in the studio is kate from the Disability Charity sense. This story is typical of what we have heard. Parents who have children with often very complex disabilities. They spend the ba by macro very complex disabilities. They spend the baby macro their very complex disabilities. They spend the baby macro their whole lives caring for them, but they are getting older themselves and they are getting older themselves and they a re painfully getting older themselves and they are painfully aware that they cant keep caring. They are frightened about the future and very few feel they cant put plans in place for they cant put plans in place for the future. We can see the problem and how difficult it is. Took us see what is available and what should be available. Families at the moment arent getting any support from local authorities to think through what the options are in the future. They are often very confused about what the options are because we have a complex system. There should be an opportunity for families to work with local authorities to choose the right care for the individual in question because at the heart of all of this needs to be a disabled person and how they want to live and what they want for the future. Took us what they want for the future. Took us through this. Someone in that situation goes to the local authority and says this is the situation, im worried about the future, what is next . Local authorities should be telling them that they need to put a plan in base. We know that local authorities are under pressure. A lot of them would like to do more for these families, but because the resources oii families, but because the resources on the arent there, they need to lean more on families. Have you talk to your local authority about this . I had ihada i had a social worker and she said you need to make plans. I can only agree with her but it is difficult. And also i might find residential ca re and also i might find Residential Care where i think she will be ok, but hopefully i can continue caring for my daughter. Maybe in five, ten yea rs for my daughter. Maybe in five, ten years time, the centre might have changed, the centre has changed, the atmosphere has changed and it will be no good again. You feel, is it even worth me doing all this, and then ina even worth me doing all this, and then in a few years time, it is no good any more anyway. Yes, it is really worrying. Thank you for talking to us and it was wonderful to see the shots of you with noreen earlier. Thank you for your time. We will have the headlines in just a moment. Hello, this is breakfast with Steph Mcgovern and charlie stayt. Coming up before nine, ben will have the weather for you. But first, a summary of this mornings main news. Contractors affected by the collapse of carillion will be able to apply for government backed loans from high street lenders. Thousands of suppliers were left unpaid after the construction giant went into liquidation injanuary. Ministers say the state owned British Business bank will guarantee £100 million of lending to those firms, which should make it easier for them to borrow. A father whose three daughters were among those abused by us gymnastics doctor larry nassar has apologised, after trying to attack him at a court in michigan. Nassar was sentenced to up to 175 years in prison last month, after more than 150 women testified that he had sexually abused them. It was hard for my dad to hear what each of us experienced specifically today, and its easy to get caught up when emotions are running high. He reacted in a way that i think most fathers would have done and probably wanted to do in a situation like this but after reflecting on what happened earlier, my father is remorseful. Justice cannot be served by one individual, it must go through the judicial system. The conservative mpjacob rees mogg, a prominent brexit campaigner, has been caught up in scuffles. Police were called, but so far no arrests have been made. The university of the west of england said it was appalled by what happened and it fully supported free speech. The boss of the fbi has hit back at donald trump in a row over the release of a secret republican memo, which accuses the agency of political bias against the president. In an email to staff, Christopher Wray said talk is cheap and that the bureau would continue to investigate independently and by the book. Democrats have said the release was another effort to undermine the inquiry into alleged collusion with russia. Lady gaga has cancelled the last ten dates of her European Tour because of what she calls severe pain. In a statement posted on twitter she said she was devastated that needed to put herself and her well being first. The singer has a long term condition which causes pain over her body. So just confirmation that the shows in london and manchester are both affected. Sad news. Lets find out what is going on in the sport. The six nations seems to usher in spring. St patricks day will see who is the champion. Can it be england . We will go live to 0lly foster for the england . We will go live to 0lly fosterfor the big england . We will go live to 0lly foster for the big game england . We will go live to 0lly fosterfor the big game today, wales against scotland. He is limbering up in the principality stadium. The other big story is in the tennis. No andy murray, no kyle edmund, so up steps, cameron norrie. Hes 22 and made his davis cup debut against spain yesterday and came from two sets down, to beat world number 23 Roberto Bautista agut, and level the tie at 1 1. Liam broady lost the first singles match to albert ramos vinolas. But norrie produced the performance of his life to beat a man ranked 91 places above him in the world. He only turned professional last june and this was his first ever professional match on red clay. Jamie murray and Dominic Inglot play in the doubles rubber later today and its live on bbc two and the bbc sport website from 1 oclock this afternoon. Ijust looked at my forehand the whole match and thought i was tougher than the guy through the whole match. Physically had some problems in the end but i was really pumped with my efforts, its given me lots of confidence. My first match on clay so im just stoked. Stoked. Is that a ban walk a word . |j am not the guardian of the lexical and, as you well know is that a dan walker word . Pep guardiola is saying the title race is not over. It was over quite some time ago. We have a packed football, refocus for you. We have an interesting interview with mauricio pochettino. 0ccasionally you can sit down with a manager and you can talk about anything. It was one of those interviews. They talk about subjects which are wide ranging. Interviews. They talk about subjects which are wide ranginglj interviews. They talk about subjects which are wide ranging. I wonder which are wide ranging. I wonder which character in game of thrones you are . Me . Yes. The Coaching Staff already have an idea of who you are who do you think i am, tony . I am pochettino frontier in from turin. You dragon for those who do not know game of thrones there are dragons. Are they good or bad . They are on the good side but they are not to be messed with. Did have a beard . No that is not a dragon, love moving on that is a weird place. Also on the programme we have a lot of west brom. Chris brunt will be on the programme. And the programme will look back on the life of cyril regis. His nephew Jason Roberts will be on the show. And next tuesday is the 60th anniversary of the munich air disaster. We have an important piece on that about why it is remembered by obviously Manchester United fans and players and staff, but more widely from other football people. We have an interview with denis law. He was at huddersfield at the time. We will have a piece on David Beckham and looking at transfers. We will be looking at transfers. We will be looking at transfers. We will be looking at where riyad mahrez is. We will try and track him down. And we have a great piece on Sheffield United who are doing well in the championship. They take on wolves this weekend. And predictions, i know you always ask me. We have super bowl predictions this weekend. We are on midday, we are tightly packed and if you like game of thrones, which you clearly dont big tails, breathing fire. What time is it . It is midday. You were ignoring me. Im excited about the super bowl. I will tell you who else is stoked, Bolton Wanderers fans. In the championship, Bolton Wanderers are out of the relegation zone, after a 1 0 win over promotion chasing bristol city. Former newcastle forward sammy ameobi scored this cracker late on. City remain in 5th. In rugby league, wigan and wakefield are off to winning starts, while st helens lived up to their billing as super league favourites, thrashing last seasons runners up castleford 46 points to six. Ben barba collected man of the match going overfor two tries, while Mark Percival scored a hat trick. Lets go back to the big kick off in the six nations. Wales against a resurgent scotland. 0lly foster is already in place. I think he has got some company. Today is about whether an injury hit wales can knock down this new confidence around scotland . Everybodys injured here. I know thatis everybodys injured here. I know that is one of the talking points. I know you were worried that i was lonely and hour ago but it is all hustle and bustle now. The ground staff are mowing the ground and getting all the cameras ready. It will be fantastic. 7a and a half thousand people, the roof is on, you will not be able to hear yourself. I am joined by rory lawson. Good morning. And an important piece of silverware. You look at all the names, wales, wales, ireland, ireland, england, england, england going for a hat trick. No scotland on there. You are still five nations champions but will this be your year . We will always be five nations champions. England are rightfully the favourites. Ireland are hanging onto their coat tails and will hopefully get them. With regard to me, scotland are in a good place. We are on an upward curve. Todays game at cardiff is so important for the entire campaign. Win and we can hopefully kick on, come out at the wrong end of the result and it could be trouble. What is Gregor Townsend doing . It was magnificent at murrayfield. But they are not so good on the road and have not been for a long while . It was 2002 that the last time we won here. It was actually bill mclarens final commentary. The team came out on the wrong end of it. Gregor townsend has picked up where vern cotter has left. He has added some extra pieces to the armoury. He has got them moving quick. I think this afternoon will be absolutely brilliant. Just over your shoulder, if we can show the viewers this gentleman here in a kilt. That is craig, he has been working here for ten years. He has never seen working here for ten years. He has never seen scotland win. The head groundsman says that is craig, he a lwa ys groundsman says that is craig, he always wears his kilt, he always ends up in tears. This could be his day. Lets hope that is the case. I think we will have a cracking day. The roof is on, it is a grizzly bear outside, so delighted that it will be dry in here. Ireland later in france. We never know whats france will bring to the party. It is the biggest cliche in sport, who knows which french will turn up . They have a new coaching team, 19 year old fly half to run the show. Joe schmidts side are so well drilled. They have a fantastic strategy. They do not necessarily play an all court game. They have so much experience and quality in that team. You can hear rory lawson across 5 live and across the bbc. England, who are the favourites, they are in rome tomorrow. Cannot wait. This place will be absolutely rocking later. Fantastic, olly. Thank you very much indeed. Both matches today live on the bbc, starting with that huge kick off, wales against scotland withjohn inverdale. The noise with the roof closed. All the singing beforehand, it makes the hairs stand on the back of your neck. Ijudge the day by your quest. Neck. Ijudge the day by your questm neck. Ijudge the day by your quest. It is like a weather vane thank you, mike. Lets have a look at some other stories. Two Million People with interest only mortgages are being warned to check how they are going to pay them off when they come to an end. Some may not even realise theyre on an interest only mortgage, or have not thought about how theyll find the money to pay off the debt. Paul lewis from radio 4s moneybox has been looking at this, hes in our london studio. Why the emphasis on this . Explain it for us. Interest only mortgages were very big in the 1990s. With interest only, you do not pay off the debt, you just pay off the interest every month. That means that the end of the term you still have got the debt. They were cheaper per month that you have this problem at the end. A lot of those mortgages from the 19905 and early 2000 and now coming to their end. 0ver the 19905 and early 2000 and now coming to their end. Over the next ten yea r5 coming to their end. Over the next ten years a coming to their end. Over the next ten yea r5 a lot of coming to their end. Over the next ten years a lot of people will find they have defined tens, maybe over £100,000 to pay off that original loan. If you are one of those people, what do you do . The first thing you do is contact your lender. Lender5 have to write to people and warned them. Some do it in good time but others are a bit tardy. A5 warned them. Some do it in good time but others are a bit tardy. As soon a5 but others are a bit tardy. As soon as you hear from your lender, but others are a bit tardy. As soon as you hearfrom your lender, dont think, i will deal with that problem at another time. You can perhaps extend the term of your mortgage, even well into retirement if you have a pension that can pay it. You might think about downsizing, moving toa might think about downsizing, moving to a cheaper place and paying off the debt. 0r to a cheaper place and paying off the debt. Or you can consider equity release, borrowing against the value of your home and paying off the old mortgage with that. There are lots of things you can do but the most important thing is not to do nothing. I have said it so many time5 nothing. I have said it so many times on breakfast, if you leave the debt and dont take action, it can only get worse. Are there people for whom intere5t only get worse. Are there people for whom interest only mortgages 5till make sense . They are very hard to get now. It used to be that you could get one if you said you were expecting an inheritance from granny or you were going to work hard and put money in an ice. But nowadays, to get one, you have to have a clear plan. You have to have 5aving5 to get one, you have to have a clear plan. You have to have savings and investments to pay it off. They are very ha rd to investments to pay it off. They are very hard to get. I think nowaday5 for people who want to live in the house, they do not make much sense. For buy to let landlords they are common. Among these older debts, there are some people who claim they did not even realise they had to pay it off at the end. And ultimately, if you dont deal with it, you could be thrown out of your house by the lender. You deal all the time with the reality of money. If you go from an interest only mortgage to a repayment mortgage, your monthly outgoings are going to be a lot higher. Someone might be looking at the figures and going, i literally cannot pay that. Absolutely. That is absolutely true. They may be a lot higher and that is why you took the unjust only in the first place. Many people will not be able to pay it, especially if they are coming to the end of their working life. If you struggle to pay it, you will have to do another thing like equity release or downsizing. Dont do nothing because you dont want to be forced into doing emergency action, because you are being faced with eviction by your lender which could happen if they say you have got to pay the debt and the only way you can do it i5 debt and the only way you can do it is to sell the house. Thank you very much, paul. Radio 4s moneybox i5 is to sell the house. Thank you very much, paul. Radio 4s moneybox is at midday on radio 4. Youre watching breakfast from bbc news. The main stories this morning. £100 million of government backed loans are being offered to firms affected by the collapse of carillion. A father whose three daughters were abused by us gymnastics doctor larry nassar has apologised, after trying to attack him in a court room. Heres ben with a look at this mornings weather. It has been chilly of late. Lets 5ee it has been chilly of late. Lets see if it will continue. I suspect over the next few days it will turn even chillier. Cloudy scenes for many today including snowy scenes for many today including snowy scenes for a scenes for many today including snowy scenes for a few including for this weather watcher in staffordshire. It is all down to this stripe of cloud which is working its way in from the west. A very slow moving weather front which i5 very slow moving weather front which is getting stuck, hanging up across the British Isles. It is running into some very cold air. That is why the front is producing some snow. Al5o the front is producing some snow. Also the potential for North Eastern scotla nd also the potential for North Eastern scotland and england for some ice this morning. This area of patchy rain and hill snow will drift 5lowly through the day. This lunchtime eastern scotland will see a lot of cloud and rain and snow over the hill5. Cloud and rain and snow over the hills. Perhaps something brighter scotla nd hills. Perhaps something brighter scotland and Northern Ireland but with hefty 5howers. Down the spine of england it is cloudy, damp weather with snow over high ground. Uncertainty about how much rain will get to east anglia and the south east. Perhaps turning brighter for wa le5 south east. Perhaps turning brighter for wales and the south west. A5 south east. Perhaps turning brighter for wales and the south west. As we go on through the afternoon, this area of cloud will fit in place. The rain and hill snow 5lowly tending to fizzle away. Expect damp weather if you are off to the six nations in cardiff. There could be some rain in pari5. A5 cardiff. There could be some rain in pari5. As we go through tonight the rain and hill snow will fizzle away. We will bring in some further wintry showers from the north east. Generally a lot of cloud around but despite that, it will get cold, temperatures close to freezing. Potentially some icy stretches a5 well. It will be a good deal colder acro55 large parts of Continental Europe as we start the day tomorrow. That is the air that increasingly we will bring in our direction, as this area of High Pressure builds down from scandinavia and squash i5 area of High Pressure builds down from scandinavia and squash is this cold north easterly wind in southern pa rt5 of cold north easterly wind in southern parts of the country. The north easterly wind al5o parts of the country. The north easterly wind also bringing some showers into parts of Eastern England this morning, mo5t some showers into parts of Eastern England this morning, most likely turning back to rain this afternoon. Lighter wind5 further north and west, but when you are exposed to the bitterly cold north easterly wind, added onto the temperatures, and it will feel like freezing in norwich tomorrow. A quick look at mondays weather, 5till norwich tomorrow. A quick look at mondays weather, still the cold wind in the south. There could be some 5now wind in the south. There could be some snow in between a good deal of dry weather. To take us through the coming week it will stay cold, wide5pread frosts by night, and at time5, wide5pread frosts by night, and at times, the potential for wide5pread frosts by night, and at times, the potentialfor some snow, which could even cause some disruption. I think the big message i5 5tay disruption. I think the big message i5 stay tuned for the forecast. Members of team gb are beginning to arrive in south korea, with just under a week to go until the start of the winter olympics, and there are high hopes for great britains 59 competitors. Thats the largest ever british contingent at the games, and leading the medal challenge is short track speed 5kater eli5e christie. Shes the favourite for gold having won the overall World Championship title in 2017. And shes been speaking to olympic Sports Reporter david mcdaid. This is eli5e christie. Shes the best short track speed 5kater uk has ever produced. Shes aworld recordholder, shes a triple World Champion and shes great britains best hope for a gold at the upcoming winter olympics. Just tell us how it all began for you. I started as a figure 5kater when i was really young, like seven. I transferred over because we did a race the week after i started and obviously it was just a fun race so i won a Selection Box of chocolate for winning that race, so after that your hearts kind of set on short track. She was one of these kids, you could show her something and she picked it up immediately. She seemed to have the natural ability. Eli5e is a very special athlete, but four years ago she nearly walked away from the sport she loves. Commentator oh, theyve gone down. Theyve all gone down one of the favourites for gold in sochi, the olympics she worked so hard for ended in disqualifications, disappointment and death threats. I had quite a lot of abuse over the internet and stuff that ive had to deal with, its been tough as well. Yeah, so im finding it quite hard. What was it like to get a death threat . I dont think most of us thankfully will ever experience that. When it happens to you you do believe those people are genuinely threatening your life, so it becomes very scary and i think i spent about six months after feeling scared of, like, being in my house on my own or going out on my own just because so many at once just made it feel so real, even though realistically it was coming from most of the koreans, so they werent going to be in england. It was a very difficult time. Pyeongchang, the5e winter olympics, what do these signify to you . To everyone here they want to see the redemption. I personally feel like ive had the redemption. This is a dream, every athlete dreams of being an olympic medallist. Show us your medals, is this where you keep them . Is there room for an olympic one . Three big 5mackers here. The dream isnt to go out and, you know, sit in second place and pick up a medal. The dream is to go out and try and win gold. You know what, that might mean you replicate sochi, but im not scared of doing that in terms of how hard ive worked, i feel like i deserve to go out and try and win irrelevant to what anyone says about it. Good luck to lease and the rest of the team who are at the winter 0lympic5. Good luck to belize. The eli5e. And bbc sport has been filming behind the scenes with eli5e, meeting her friends, her family and coach ahead of the upcoming winter olympics. You can see that tomorrow afternoon on bbc two at 4 a5pm. Can we see the shop now of the spice girl5 . The spice girls met at geri horners house. And posted a series of celebratory snaps on social media. Its the first time theyve all been seen together since 2012. There is some 5ugge5tion they are going to do some things together. Alan smith is with us now. You have brought in some stuff. It is crazy, the spice girls going to a room to have a chat and it literally goe5 crazy, everywhere on tv. It is fanta5tic. There is still so much intere5t fanta5tic. There is still so much interest in them. They said a few key phrases, new opportunities and time to spice up your life. They kind of got them all in there again. It is kind of going back to the old style it is kind of going back to the old style spice girls. It is kind of going back to the oldstyle spice girls. Go through some history for us. In my head im thinking there was a suggestion that not everyone was on board. Some of them were keen. Wa5 not everyone was on board. Some of them were keen. Was there a 5ugge5tion them were keen. Was there a suggestion that four would do something together and someone did not want in. Last year there was a 5ugge5tion not want in. Last year there was a suggestion that geri, emma and mel b. Who was out of it at that point . It was mel c and victoria. I dont know what changed. I think maybe their children are little bit behind it and making them do it and saying we wa nt it and making them do it and saying we want you to do this. That have been other comeback5. We have seen steps doing well on tour and bananarama. There was that whole kind of 905 retro view. It is so cool now. It seems to fit in. And the whole girl power thing is ma55ive at the moment. So i think they are getting involved with that again. I was 14 when their first 5ingle came out. So it was white teenage years, you wanted to be one of the spice girls and you would argue regularly over who you wanted to be. I think we have got a clip now. Who do you think you are . Trust it, use it, prove it, move it, show me how good you are. Show how good you are now, alan, you have brought in some co5tume5, not the ones we are seeing there. And no, not quite. Thi5 not the ones we are seeing there. And no, not quite. This one is melanie c from the cat macro spice up melanie c from the cat macro spice up your life video. They were on a spaceship. The5e up your life video. They were on a spaceship. These shoes are from emma bunton. She wore them on the National Lottery and for a promotion. These are the outfits in action. Do you think they will do the same type of stuff or do you think it will be toned down version of the spice girls. They were pretty phy5ical. Of the spice girls. They were pretty physical. They were pretty full on and in your face. Physical. They were pretty full on and in yourface. I think it would bea and in yourface. I think it would be a shame if they did not have that feel to it again. That is what the spice girls are about. If you look at the olympic performance it was really out there with the lights. I think that adds to the fun. In amongst the celebrations of fans, one of the realities if i expect some of the spice girls need the money more than the others . Delicately put do you think . I do think any of them are particularly skint. It is of no consequence . I do know, i didnt know their Bank Accounts fair point. None of us do, i should not have raised it there area i should not have raised it there are a lot of cynics out there who think the main reason is money. We will may talk more about this. Thank you for bringing the costumes in. We will be wearing the costumes while the break is on no to stick with us. The headlines coming up. Hello, this is breakfast with Steph Mcgovern and charlie stayt. A lifeline for thousands of businesses hit by the collapse of carillion. £100 million worth of taxpayer backed loans are being offered to firms who need help, but some companies tell breakfast its too little, too late. Good morning. Its saturday 3rd february. Also this morning rage boil5 over in court. A father of three girls abused by the doctor of the American Gymnastics Team apologises for his actions and says hes no hero. Talk is cheap. The boss of the fbi hits back at donald trump in a row over a memo
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