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Les primo-accédants peuvent désormais utiliser leur prélèvement direct NETFLIX pour les aider à obtenir un prêt hypothécaire

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Le maintien des frais mensuels pour Netflix ou Spotify pourrait désormais aider les aspirants propriétaires à monter sur l’échelle du logement, car une société de construction permettra aux clients d’utiliser des paiements par prélèvement automatique réguliers pour prouver qu’ils peuvent se permettre un prêt hypothécaire.

Leeds Building Society permettra aux acheteurs potentiels de faire prendre en compte leurs 12 derniers mois de prélèvements automatiques dans le cadre des vérifications de capacité financière.

Cela signifie que les paiements aux services d’abonnement, ainsi que d’autres engagements réguliers tels que la taxe d’habitation ou un abonnement à un gymnase, seront pris en compte dans leur pointage de crédit et pourraient être utilisés comme preuve supplémentaire d’un bon bilan financier.

Netflix et factures : des preuves de prélèvements automatiques réguliers pourraient aider les emprunteurs à obtenir un prêt hypothécaire auprès de la Leeds Building Society, car les paiements peuvent désormais être pris en compte dans les tests d'abordabilité

Netflix et factures : des preuves de prélèvements automatiques réguliers pourraient aider les emprunteurs à obtenir un prêt hypothécaire auprès de la Leeds Building Society, car les paiements peuvent désormais être pris en compte dans les tests d’abordabilité

Les autres facteurs pris en compte par les prêteurs lors de l’évaluation d’une demande de prêt hypothécaire comprennent le revenu, le statut d’emploi et la stabilité financière globale.

> Lisez notre guide pour obtenir votre première hypothèque et gravir les échelons immobiliers

Leeds BS propose le service – connu sous le nom de “Experian Boost” – dans le cadre d’un partenariat avec l’agence de crédit Experian.

Les emprunteurs devront accepter de partager leurs informations financières via un système bancaire ouvert pour que les paiements soient comptabilisés.

Les informations sont partagées avec Experian via une connexion sécurisée et sont ensuite connectées aux systèmes de prêt de Leeds où elles peuvent être consultées par les évaluateurs hypothécaires.

À l’heure actuelle, seuls ceux qui demandent une hypothèque seuls peuvent utiliser le service. Leeds BS a déclaré que les co-demandeurs pourraient utiliser ces “scores boostés” sous peu.

Les informations supplémentaires fournies pourraient potentiellement faire pencher la balance en faveur de certains emprunteurs qui auraient autrement été rejetés.

Cependant, la preuve de prélèvements automatiques réguliers n’améliorera pas la capacité de chacun à obtenir un prêt hypothécaire.

La Leeds Building Society a déclaré que lorsqu’elle a testé l’outil, 7,5 % des candidats auraient obtenu une amélioration de leur pointage de crédit en utilisant Experian Boost.

David Hollingworth du courtier L&C hypothèques a déclaré: “Les premiers acheteurs sont confrontés à tant de défis en essayant d’acheter qu’il est encourageant de voir les prêteurs chercher des moyens de supprimer certains des obstacles.” Si économiser un dépôt et être en mesure d’emprunter suffisamment pour faire face aux prix élevés de l’immobilier n’était pas une tâche assez importante, beaucoup craindront que leur dossier de crédit soit trop mince pour répondre aux exigences du prêteur.

«Pouvoir s’appuyer sur les antécédents de gestion des paiements réguliers au fil du temps pourrait aider à améliorer la cote de crédit et ne peut qu’aider davantage à se qualifier pour un prêt hypothécaire.

«Quiconque s’inquiète de sa capacité à répondre aux critères du prêteur devrait également demander des conseils qui l’aideront à trouver le bon prêteur en fonction des circonstances individuelles.

“Avec plus de produits cherchant à aider les premiers acheteurs à s’implanter sur le marché, ils peuvent découvrir qu’il y a plus d’options qu’ils ne le craignaient.”

Leeds n’est pas le seul prêteur à avoir dévoilé cette semaine un moyen innovant d’accélérer potentiellement les rêves d’accession à la propriété de certains accédants à la propriété.

Mardi, Skipton Building Society a annoncé un nouvel accord hypothécaire sans dépôt destiné aux locataires qui aspirent à être des premiers acheteurs.

Skipton a déclaré que les locataires âgés de 21 ans et plus pourraient contracter des hypothèques entre 95% et 100% de la valeur de la propriété qu’ils souhaitent acheter.

En retour, ils devront démontrer de solides antécédents en matière de paiement de leur loyer, avec la preuve d’un minimum de 12 mois d’historique de location, ainsi que la réussite des vérifications d’abordabilité et de crédit.

L’hypothèque Skipton Track Record est un produit à taux fixe de cinq ans avec un taux d’intérêt de 5,49 % et la durée maximale de l’hypothèque est de 35 ans.

Leeds propose des prêts hypothécaires pouvant atteindre 95% de la valeur d’une maison, à la fois pour l’achat pur et simple et pour les prêts hypothécaires en copropriété, dont les demandes seront également éligibles pour des cotes de crédit améliorées.

Sur l'échelle: Leeds a déclaré que le nouveau service, fourni par l'agence de crédit Experian, pourrait être particulièrement utile pour les jeunes locataires qui pourraient avoir du mal à prouver qu'ils peuvent se permettre un prêt hypothécaire

Sur l’échelle: Leeds a déclaré que le nouveau service, fourni par l’agence de crédit Experian, pourrait être particulièrement utile pour les jeunes locataires qui pourraient avoir du mal à prouver qu’ils peuvent se permettre un prêt hypothécaire

Richard Fearon, directeur général de la Leeds Building Society, a déclaré: “ Cela aidera particulièrement les jeunes emprunteurs, les primo-accédants et toute personne à faible revenu qui fait face au défi le plus difficile de prouver sa capacité à rembourser.

“Souvent sans faute de leur part, ces groupes peuvent avoir du mal à établir une bonne cote de crédit car ils doivent consacrer la majeure partie de leurs revenus au loyer et à d’autres paiements réguliers.”

Il a déclaré que la majorité de ceux qui s’étaient inscrits à Experian Boost jusqu’à présent étaient des locataires.

Sigga Sigurdardottir, directeur général des services aux consommateurs chez Experian, a ajouté: «Comme de nombreuses personnes à travers le Royaume-Uni sont confrontées à des obstacles à l’accession à la propriété, nous sommes ravis que

“Les utilisateurs de Boost peuvent désormais utiliser leurs scores améliorés pour les aider à gravir les échelons, ce qui rend ce rêve d’accession à la propriété plus accessible aux personnes à travers le Royaume-Uni.”

Tous les scores de crédit n’augmenteront pas avec Boost, mais cela ne fera jamais baisser un score de crédit, ont déclaré ceux qui sont à l’origine de l’initiative.

Leeds Building Society a déclaré que les clients peuvent activer et désactiver le service Boost à tout moment.

Que faire si vous avez besoin d’un prêt hypothécaire

Les emprunteurs qui ont besoin de trouver un prêt hypothécaire parce que leur contrat à taux fixe actuel arrive à son terme ou parce qu’ils ont convenu d’acheter une maison devraient explorer leurs options dès que possible.

Il s’agit du meilleur calculateur de taux hypothécaires de Money, optimisé par L&C, qui peut vous montrer des offres qui correspondent à la valeur de votre prêt hypothécaire et de votre propriété.

Et si j’ai besoin de réhypothéquer?

Les emprunteurs doivent comparer les taux et parler à un courtier en hypothèques et être prêts à agir pour obtenir un taux.

Toute personne ayant un accord à taux fixe se terminant dans les six à neuf prochains mois devrait examiner combien il lui en coûterait de réhypothéquer maintenant – et envisager de conclure un nouvel accord.

La plupart des transactions hypothécaires permettent d’ajouter des frais au prêt et ils ne sont alors facturés qu’au moment de la souscription. Ce faisant, les emprunteurs peuvent obtenir un taux sans payer de frais d’arrangement coûteux.

Et si j’achète une maison ?

Ceux qui ont convenu d’acheter une maison devraient également viser à obtenir des tarifs dès que possible, afin qu’ils sachent exactement quels seront leurs paiements mensuels.

Les acheteurs de maisons doivent se méfier des efforts excessifs et se préparer à la possibilité que les prix des maisons chutent par rapport à leurs niveaux élevés actuels, en raison de taux hypothécaires plus élevés limitant la capacité d’emprunt des gens.

Comment comparer les coûts hypothécaires

La meilleure façon de comparer les coûts hypothécaires et de trouver la bonne affaire pour vous est de parler à un bon courtier.

Vous pouvez utiliser notre meilleur calculateur de taux hypothécaires pour afficher les offres correspondant à la valeur de votre maison, à la taille de votre prêt hypothécaire, à la durée et aux besoins en taux fixe.

Sachez que les taux peuvent changer rapidement, cependant, et donc le conseil est que si vous avez besoin d’un prêt hypothécaire, comparez les taux et parlez ensuite à un courtier dès que possible, afin qu’il puisse vous aider à trouver le prêt hypothécaire qui vous convient.

> Vérifiez les meilleurs prêts hypothécaires à taux fixe que vous pourriez demander

Certains liens de cet article peuvent être des liens affiliés. Si vous cliquez dessus, nous pouvons gagner une petite commission. Cela nous aide à financer This Is Money et à le garder libre d’utilisation. Nous n’écrivons pas d’articles pour promouvoir des produits. Nous ne permettons à aucune relation commerciale d’affecter notre indépendance éditoriale.

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International

Explosion in Tel Aviv, bomb disposal experts on site, say Israeli police

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A powerful explosion of unknown origin went off in a building in Tel Aviv before 4:00 am (0100 GMT), Israeli police said Friday.

Israeli media reported a loud explosion on Ben Yehuda Street on the corner of Shalom Aleichem in Tel Aviv.

“Numerous police officers and bomb disposal experts have arrived on the scene and are dealing with the situation,” police said in a statement, without giving further details.

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Breakthrough ‘take-at-home’ prostate cancer drug gets green light for NHS use, sparing patients from lengthy hospital visits throwing a lifeline to 40,000 men

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How many people does it kill? 

More than 11,800 men a year – or one every 45 minutes – are killed by the disease in Britain, compared with about 11,400 women dying of breast cancer.

It means prostate cancer is behind only lung and bowel in terms of how many people it kills in Britain. 

In the US, the disease kills 26,000 men each year.

Despite this, it receives less than half the research funding of breast cancer and treatments for the disease are trailing at least a decade behind.

How many men are diagnosed annually?

Every year, upwards of 52,300 men are diagnosed with prostate cancer in the UK – more than 140 every day.   

How quickly does it develop? 

Prostate cancer usually develops slowly, so there may be no signs someone has it for many years, according to the NHS. 

If the cancer is at an early stage and not causing symptoms, a policy of ‘watchful waiting’ or ‘active surveillance’ may be adopted. 

Some patients can be cured if the disease is treated in the early stages.

But if it is diagnosed at a later stage, when it has spread, then it becomes terminal and treatment revolves around relieving symptoms.

Thousands of men are put off seeking a diagnosis because of the known side effects from treatment, including erectile dysfunction.

Tests and treatment

Tests for prostate cancer are haphazard, with accurate tools only just beginning to emerge. 

There is no national prostate screening programme as for years the tests have been too inaccurate.

Doctors struggle to distinguish between aggressive and less serious tumours, making it hard to decide on treatment.

Men over 50 are eligible for a ‘PSA’ blood test which gives doctors a rough idea of whether a patient is at risk.

But it is unreliable. Patients who get a positive result are usually given a biopsy which is also not fool-proof. 

Scientists are unsure as to what causes prostate cancer, but age, obesity and a lack of exercise are known risks. 

Anyone with any concerns can speak to Prostate Cancer UK’s specialist nurses on 0800 074 8383 or visit prostatecanceruk.org

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Biden under intense pressure from Democrats to drop out of presidential race

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US President Joe Biden has reportedly become more open in recent days to hearing arguments that he should end his bid for reelection. Former House speaker Nancy Pelosi has reportedly told Democratic colleagues that Biden could be convinced to leave the race soon. Other allies, including Barack Obama, have also voiced concerns. The New York Times reported that Biden has begun to accept the idea that he may not be able to win the Nov. 5 election and may have to drop out of the race. Biden tested positive on Wednesday for Covid-19, forcing him to cut short a campaign visit to Nevada and isolate for several days in Delaware.

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Ex-NFL star DeSean Jackson grabs new girlfriend’s butt in steamy photo from tropical vacation

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Former NFL receiver DeSean Jackson has his hands full with new flame Yahaira Sandoval – quite literally.

In a steamy photo from their tropical vacation this summer, Jackson – most famous for his five-year stint with the Philadelphia Eagles – can be seen grabbing his girlfriend’s butt as they share a kiss in the sea.

Sandoval – a Los Angeles-based entrepreneur who owns her own beauty bar and clothing brand – posted a series of pictures from their recent getaway on Instagram.

Jackson wrote in the comments: ‘Baddest’ along with heart and flame emojis.

According to TMZ Sports, Sandoval was romantically linked with boxing legend Floyd Mayweather a number of years ago.

Former NFL star DeSean Jackson's new girlfriend shared a steamy photo from their vacation

Former NFL star DeSean Jackson’s new girlfriend shared a steamy photo from their vacation

Jackson spent 14 years in the NFL before retiring

He is now dating Yahaira Sandoval (pictured)

Jackson, who spent 14 years in the NFL before retiring on his 37th birthday at the start of December, is currently dating Yahaira Sandoval (right)

At that time Jackson was in a relationship with ex-fiancée Kayla Phillips, whom he has two sons with. 

The wideout spent 14 years in the NFL before retiring on his 37th birthday at the start of December, having spent time in Washington, Tampa Bay, Los Angeles, Las Vegas and Baltimore after his memorable spell in Philadelphia.

After leaving the Ravens back in January, three-time Pro Bowl wide receiver signed a ceremonial one-day Eagles contract which allowed him to bow out from the sport on December 1 with the team that drafted him back in 2008.

However, despite spending close to a decade and a half as an NFL player, and claiming to have made over $100million in that time, Jackson revealed last year that he walked away from football unhappy with the depth of his pockets.

Sandoval posted a series of pictures from her recent getaway with Jackson on Instagram

Sandoval posted a series of pictures from her recent getaway with Jackson on Instagram

She is a Los Angeles-based entrepreneur who owns her own beauty bar and clothing brand

She is a Los Angeles-based entrepreneur who owns her own beauty bar and clothing brand

Jackson admitted last year that he is not 'satisfied' with the money he made in his NFL career

Jackson admitted last year that he is not ‘satisfied’ with the money he made in his NFL career

He said on the No Jumper podcast in December: ‘The hustler I am, I ain’t satisfied with the money I made in the NFL.

‘I would meet you today, and you wouldn’t even think I made 100 plus million in NFL. Because guess what? That money right there, that’s going to make my future be cool for my kids.

‘But right now, I still need bread, so I’m out here getting all type of stuff, going private equity, real estate… 

‘S***, f*** the NFL. That s*** was cool, but what’s next? I’m trying to go touch some Magic Johnson-type s***.’

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Mourners descend on moving vigil for firefighter killed at Trump rally by shooter who tried to assassinate the former president

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Hundreds of people have gathered to watch a procession of fire trucks transporting the body of the former fire chief who was killed at Donald Trump‘s rally five days ago. 

Corey Comperatore was shot during the assassination attempt by gunman Thomas Matthew Crooks, 20, at the Butler, Pennsylvania campaign event over the weekend. 

The 50-year-old father had worked as a project and tooling engineer, was an Army reservist and spent many years as a volunteer firefighter after serving as chief, according to his obituary. 

He died a hero, spending the final moments of his life shielding his wife and daughter from the barrage of bullets as Trump was struck in the ear amid scenes which rocked American democracy to the core on Saturday evening.

Comperatore’s body was transported in a concierge of fire trucks adorned with black ribbons through his hometown of Freeport, just outside Pittsburgh, PA, on Thursday. 

Corey Comperatore's body was transported in a pof fire tadorned with black ribbons through his hometown of Freeport, just outside Pittsburgh, PA, on Thursday

Corey Comperatore’s body was transported in a procession of fire trucks adorned with black ribbons through his hometown of Freeport, just outside Pittsburgh, PA, on Thursday

Corey Comperatore was shot during the Trump assassination attempt by gunman Thomas Matthew Crooks , 20, at the Butler, Pennsylvania campaign event over the weekend

Corey Comperatore was shot during the Trump assassination attempt by gunman Thomas Matthew Crooks , 20, at the Butler, Pennsylvania campaign event over the weekend

Dan Beazley unloads a cross near a line of guests at a visitation for Corey Comperatore at Laube Hall, Thursday, July 18,2024, in Freeport, Pa

Dan Beazley unloads a cross near a line of guests at a visitation for Corey Comperatore at Laube Hall, Thursday, July 18,2024, in Freeport, Pa

Friends and neighbors had lined the grass beside the country road with knee-high American flags in his honor.  

The Buffalo Township Volunteer Fire Department drove the vehicles somberly in formation to Laube Hall, where a private service will be held on Friday – only around 20 miles from where the Trump rally took place. 

In the five days since the horror unfolded, friends and strangers have donated $1.2 million to a fundraiser supporting Comperatore’s widow, Helen, and daughter, Allyson. 

Helen Comperatore received a call from Trump in the days after the devastating loss of her husband – and she was offered a call from Joe Biden too but refused it. 

Writing on Facebook after her call with Trump, she said: ‘He was very kind and said he would continue to call me in the days and weeks ahead.

‘I told him the same thing I told everyone else. He left this world a hero and God welcomed him in. He did not die in vain that day.’ 

‘I don’t talk to Biden,’ she later told the New York Post. ‘I didn’t want to talk to him. 

‘My husband was a devout Republican and he would not have wanted me to talk to him.’

A person arrives to a visitation for Corey Comperatore at Laube Hall, Thursday, July 18,2024, in Freeport, Pa

A person arrives to a visitation for Corey Comperatore at Laube Hall, Thursday, July 18,2024, in Freeport, Pa

Vehicles are parked at a visitation for Corey Comperatore at Laube Hall, Thursday, July 18, 2024, in Freeport, Pa

Vehicles are parked at a visitation for Corey Comperatore at Laube Hall, Thursday, July 18, 2024, in Freeport, Pa

A memorial for Corey Comperatore is seen on a billboard at the Penn Theater in Butler, PA., Thursday, July 18, 2024

A memorial for Corey Comperatore is seen on a billboard at the Penn Theater in Butler, PA., Thursday, July 18, 2024

She added that she has no ‘ill-will’ towards the president. ‘I’m not one of those people that gets involved in politics,’ she said. 

‘I support Trump, that’s who I’m voting for, but I don’t have any ill-will towards Biden. He didn’t do anything to my husband, a 20-year-old despicable kid did.’

Helen said she and her husband, who were high school sweethearts, were on the verge of celebrating their 29th wedding anniversary when they headed to Trump’s rally in Butler, Pennsylvania.

‘Me and the kids were all there as a family,’ she said. ‘He was just excited. It was going to be a nice day with the family.’

Comperatore’s funeral is scheduled for Friday, according to local reports. 

Hundreds of people also attended a candle-lit vigil the night before in Freeport. 

Commercial buildings in the town have been decorated with messages of support for those who knew Comperatore, and American flags have been raised in his honor. 

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How the FBI identified Trump shooter Thomas Matthew Crooks within hours – and how they could do the same for YOU

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Experts are sounding the alarm about techniques used to identify the assassin who tried to kill Donald Trump, saying the methods raise grave concerns about privacy.

The gunman, ‘loner’ Thomas Matthew Crooks, 20, was not carrying an ID, had no criminal record, nearly zero digital footprint and no friends, forcing the FBI to resort to DNA analysis to identity him.

As Kevin Rojek, the special agent-in-charge (SAIC) for the FBI’s Pittsburgh field office, told reporters just hours after the shooting on Saturday, ‘We’re trying to run his DNA and get biometric confirmation.’

While the FBI declined to answer DailyMail.com’s requests for details on how they did this DNA analysis, experts say it has often included scouring consumer genealogy databases like Ancestory.com and 23andMe — which store tens of millions of Americans’ biometric data each.

And now, newer private DNA database companies have entered the market, firms that cater explicitly to the federal government and law enforcement as their clients. 

Experts are sounding the alarm about techniques used to identify the assassin who tried to kill Donald Trump, saying the methods raise grave concerns about privacy. Above, Secret Service agents flank former President Trump after the assassination attempt in Pennsylvania, Saturday

Experts are sounding the alarm about techniques used to identify the assassin who tried to kill Donald Trump, saying the methods raise grave concerns about privacy. Above, Secret Service agents flank former President Trump after the assassination attempt in Pennsylvania, Saturday

Above, law enforcement stands over the body of shooter Thomas Matthew Crooks, 20, on the roof of an industrial building after his assassination attempt. Crooks was not carrying an ID and had nearly zero digital footprint forcing the FBI to resort to DNA analysis to confirm his identity

Above, law enforcement stands over the body of shooter Thomas Matthew Crooks, 20, on the roof of an industrial building after his assassination attempt. Crooks was not carrying an ID and had nearly zero digital footprint forcing the FBI to resort to DNA analysis to confirm his identity

SAIC Rojek added that the Bureau was also ‘looking at photographs’ to help ID the shooter, part of a multi-agency effort to put a name to the dead would-be assassin. 

As experts told the DailyMail.com, a state-level facial recognition database held by Pennsylvania’s Department of Motor Vehicles, fingerprints held as part routine criminal background checks by Crooks’ employers and other government registries — while unnamed by the FBI — likely also played a role. 

One parallel effort conducted by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) ‘completed an urgent trace’ that ultimately led to the ‘business records from a closed gun dealer,’ according to an ATF statement.

That effort, a frantic, manual search through the closed gun shop’s paper records, helped trace the rifle to the Crooks’ father, according to a report by CNN.

‘Results were provided to the FBI and Secret Service in less than 30 minutes that helped identify the shooter,’ ATF reported a day after the FBI’s DNA announcement. 

Civil liberties advocates, however, noted that the increasing reliance on DNA databases by police not only raises privacy concerns, but the tactics have also led to false identifications and wrongful arrests, court records show. 

An attorney who overturned one such case told DailyMail.com that these sprawling DNA databases can lead to misidentifications because today’s crime scene forensics can recover DNA from extremely small and too often unrelated human debris.

As Kevin Rojek, the special agent-in-charge (SAIC) for the FBI's Pittsburgh field office, told reporters just hours after the shooting on Saturday, 'We're trying to run his DNA and get biometric confirmation.' Above, local a bomb squad vehicle parked outside the shooter's home

As Kevin Rojek, the special agent-in-charge (SAIC) for the FBI’s Pittsburgh field office, told reporters just hours after the shooting on Saturday, ‘We’re trying to run his DNA and get biometric confirmation.’ Above, local a bomb squad vehicle parked outside the shooter’s home

Civil liberties advocates, however, noted that the increasing reliance on DNA databases by police not only raises privacy concerns - but the tactics have also led to false identifications and wrongful arrests, as court records show. Above, the home of Trump shooter and his family

Civil liberties advocates, however, noted that the increasing reliance on DNA databases by police not only raises privacy concerns – but the tactics have also led to false identifications and wrongful arrests, as court records show. Above, the home of Trump shooter and his family

‘Our technology for collecting DNA is so sensitive now,’ attorney Jennifer Lynch explained. ‘You can just swab something somebody has touched and get their DNA.’

‘The risk is we shed DNA at different rates and DNA gets transferred from one surface to another,’ she continued. ‘That’s how somebody could be misidentified for a crime.’

Despite the fact that the FBI accomplished its ‘biometric confirmation’ of Trump’s shooter Crooks in less than 24 hours, further details have yet to be made public. 

But Lynch, who works as general counsel for the nonprofit Electronic Frontier Foundation (EFF), has spent over a decade tracking the federal government’s increasing reliance on vast genetic databases to track US citizens.

This ‘scary surveillance and technology,’ as Lynch told DailyMail.com, includes law enforcement contracts with private firms, like Verogen, Inc., who have amassed their DNA databases explicitly for ‘forensic customers’ and ‘criminal casework.’

In fact, Verogen has let police access personal genetic data that its ordinary genealogy database users had submitted as private, so long as they had a warrant. 

Attorney Jennifer Lynch told DailyMail.com that sprawling DNA databases can lead to false identifications because today's crime scene forensics can recover DNA from very small and potentially unrelated human debris: 'Our technology for collecting DNA is so sensitive now'

Attorney Jennifer Lynch told DailyMail.com that sprawling DNA databases can lead to false identifications because today’s crime scene forensics can recover DNA from very small and potentially unrelated human debris: ‘Our technology for collecting DNA is so sensitive now’

The FBI's 'biometric confirmation' of Trump's shooter took less than 24 hours. Above, a woman walks by a poster depicting Crooks from his high school yearbook photo (above), on Water street during the third day of the 2024 Republican National Convention in Milwaukee

The FBI’s ‘biometric confirmation’ of Trump’s shooter took less than 24 hours. Above, a woman walks by a poster depicting Crooks from his high school yearbook photo (above), on Water street during the third day of the 2024 Republican National Convention in Milwaukee

Prior to the entry of firms like Verogen, law enforcement had garnered success closing ‘cold case’ murders by anonymously uploading the DNA of their suspects into consumer genealogy databases like Ancestory.com and 23andMe.

As of March 2024, Ancestry.com’s database houses DNA from over 25 million people and 23andMe’s database stores genetic markers for over 14 million, according to the International Society of Genetic Genealogy.

The tactic led California police to finally capture the infamous Golden State Killer in 2018, but has also led to several false identifications and embarrassing dead ends. 

In one case, German detectives believed they were on the trail of a serial killer they called ‘the Phantom of Heilbronn’ — only to discover their suspect’s DNA belonged, in reality, to a Polish factory worker who had contaminated all their DNA kit swabs.

In another, DNA evidence led police to suspect that a Yale graduate student had been murdered by a convicted felon, who had died two years before the crime.

While the Bureau declined to answer DailyMail.com's requests for details on this DNA analysis, past use of both government-held and privately owned DNA databases have led to false identifications and wrongful arrests, court records show. 'That is not unusual at all,' Lynch said

While the Bureau declined to answer DailyMail.com’s requests for details on this DNA analysis, past use of both government-held and privately owned DNA databases have led to false identifications and wrongful arrests, court records show. ‘That is not unusual at all,’ Lynch said

Above, officers stand guard in Bethel Park as cops search an address registered to Crooks

Above, officers stand guard in Bethel Park as cops search an address registered to Crooks

GEDmatch — a genetic genealogy company that had already gained notoriety for sharing its customers’ DNA data with police — was troublingly purchased by government contractor Verogen over five years ago, Lynch noted. 

Verogen ‘basically designs technologies for law enforcement,’ she said, and its new ownership of GEDmatch has given the company ownership of a database with DNA profiles on over 2 million people. 

That commercial venture has now been augmented by a partnership with FamilyTreeDNA, which has its own DNA database of over 1.6 million people.

‘Law enforcement has used pseudonyms to upload DNA,’ Lynch told DailyMail.com.

‘Now, for providers like GEDmatch and FamilyTreeDNA, it’s in their business model to allow law enforcement access.’

‘After GEDmatch and FamilyTreeDNA announced a partnership,’ Lynch said, paraphrasing her 2023 own report. ‘One thing they said in their press statement was that using our services, law enforcement can identify even more people.’  

Above, a Bethel Park police officer at the home of deceased Trump shooter, Crooks, named by the FBI as the 'subject involved' in the attempted assassination

Above, a Bethel Park police officer at the home of deceased Trump shooter, Crooks, named by the FBI as the ‘subject involved’ in the attempted assassination

Researchers at Georgetown Law reported that the US Department of Homeland Security 'misleads and intimidates people to collect their DNA.' Said Lynch: 'It's definitely being aggressively done.' The program began under Trump (above) but continued under Biden

Researchers at Georgetown Law reported that the US Department of Homeland Security ‘misleads and intimidates people to collect their DNA.’ Said Lynch: ‘It’s definitely being aggressively done.’ The program began under Trump (above) but continued under Biden

The EFF lawyer noted that the police have increasingly turned to these new contractual relationships to track US citizens who who are not already present in the federal government’s own DNA databases.

‘There are two main kinds of databases in the US,’ Lynch explained. ‘There’s the criminal DNA databases run by the government and then there’s private or consumer DNA databases.’

These government-held databases, including the FBI’s Combined DNA Index System (CODIS), have exploded in size in recent years.

‘The criminal DNA databases,’ Lynch explained, ‘in general, it’s almost every person convicted of a felony in the United States and many — if not most — arrestees.’

Worse, the rules around whose DNA is stored varies widely state by state. 

Since 2009, for example, California has authorized the extraction and permanent cataloguing of DNA from even innocent people who had simply been arrested on suspicion of crimes as minor as shoplifting or bouncing a bad check. 

‘In California,’ as the American Civil Liberties Union noted in a their report on the issue, ’30 percent of individuals arrested for a felony are never convicted.’

According to Pennsylvania public court records, Crooks had no criminal history, leaving state and federal investigators with even less data to make a positive ID. Above, Trump pumped his fist to the crowd, as some cheered his name and chanted 'Make America Great Again'

According to Pennsylvania public court records, Crooks had no criminal history, leaving state and federal investigators with even less data to make a positive ID. Above, Trump pumped his fist to the crowd, as some cheered his name and chanted ‘Make America Great Again’

‘The low level of proof required to make an arrest,’ ACLU wrote of the millions added to state databases and from there CODIS, ‘means that allowing DNA collection immediately after arrest will lead to large databases full of innocent people.’

At the local level, there are criminal DNA databases that may collect DNA from people who have been arrested for a misdemeanor,’ Lynch added. 

Innocent people who were never arrested, but the victims of a crime can become tracked and catalogued too, she noted, like ‘a rape survivor’ who ‘may have provided their DNA to the cops.’

Of particular concern, as Lynch has litigated successfully in court, are the proven cases in which DNA evidence at a crime scene has falsely identified a suspect.

This issue has been more common as more sensitive DNA techniques have allowed forensic investigators to extract a DNA sample from even smaller and more trace amounts of biological than ever before.

Lynch cited the case of a San Jose, California man, who spent five months in jail falsely accused of murder charges, after a database found his DNA at the scene of a brutal home invasion in Santa Clara County.

‘Finally his public defender realized that there’s no way he could have committed the murder,’ Lynch said, ‘because he was highly intoxicated that night and had been taken to a local medical facility.’ 

‘So what they ultimately think happened is that the paramedic that took him to the medical facility was the same person who later was called to the scene of the murder and [accidentally] transferred the suspect’s DNA to the murder victim.’

‘That is not unusual at all, unfortunately,’ Lynch said.

Crooks had shot at Trump with an AR-style rifle that his father had purchased legally - which, along with the address on the registration for the shooter's vehicle, may have led to a direct DNA match at the Crooks home, Lynch noted. Above the roof Crooks used as his sniper's nest

Crooks had shot at Trump with an AR-style rifle that his father had purchased legally – which, along with the address on the registration for the shooter’s vehicle, may have led to a direct DNA match at the Crooks home, Lynch noted. Above the roof Crooks used as his sniper’s nest

The head of the FBI’s Pittsburgh office, Rojek, told reporters the FBI had not found a motive for what he described as ‘an assassination attempt on our former president.’ 

Rojek also noted that law enforcement was looking ‘very intently’ to see if Crooks had been on their radar before the shooting. 

According to Pennsylvania public court records, Crooks had no criminal history — leaving state and federal investigators with even less data to make a positive ID.

Lynch suspects that less glamorous and less impressive methods than a sprawling DNA database may have played the decisive role in identifying Crooks.

‘Pennsylvania has face recognition for their driver’s license database,’ Lynch told DailyMail.com, ‘most driver’s license databases do.’ 

‘So perhaps, police could run a photograph of the guy against the driver’s license database and identify him,’ she speculated, though she noted other options existed.

Crooks was employed as a dietary aide at the Bethel Park Skilled Nursing and Rehabilitation, where his boss told reporters he had passed a background check.

‘Thomas Matthew Crooks performed his job without concern and his background check was clean,’ the nursing home’s administrator, Marcie Grimm, said in a statement. ‘We are shocked and saddened to learn of his involvement.’

According to Lynch, the background check would have included routine fingerprinting that could have helped match prints on the rifle Crooks used to fire at Trump.

‘A lot of people have fingerprints in databases that are accessible to the government,’ she noted. ‘It’s kind of like an unsexy way to identify people.’ 

Additionally, Crooks had shot at Trump, damaging his ear, with an AR-style rifle that his father had purchased legally — which, along with the address on the registration for the shooter’s vehicle, may have led to a direct DNA match at the Crooks home.

Lynch opined that the FBI’s reference to running the suspects ‘DNA’ might have been part of a Bureau effort to appear like all-seeing, omniscient crime-stoppers: ‘Sometimes I worry that law enforcement is just trying to scare us,’ she said.

‘And there’s certainly a lot of scary surveillance and technology out there,’ she added, ‘and ways for the police to identify us.’

Trump had blood streaming down his cheeks as Secret Service agents put him to the floor

Trump had blood streaming down his cheeks as Secret Service agents put him to the floor 

This May, researchers at Georgetown Law reported that the US Department of Homeland Security (DHS) ‘misleads and intimidates people to collect their DNA.’ 

DHS via its customs and border patrol agents have, in fact, spent years genetically cataloging immigrants and refugees held within US detention centers.

According to the US Government Accountability Office, the program has fed ‘nearly 1 million DNA samples’ into the FBI’s CODIS database between 2020 and 2022. 

‘It’s definitely being aggressively done,’ Lynch said. ‘But it’s not quite as coordinated yet […] It’s not like we have a database of all refugees and asylum-seekers’ DNA.’

She outlined one, not uncommon scenario, for how these DNA databases can be unintentionally misused: ‘The risk is that I could handle a knife and hand it to you, and then you hand it to another person. And you’re the one who commits the crime with it before you hand off the knife.’ 

‘It could be that none of your DNA is on that knife,’ Lynch said, ‘but all of mine is.’ 

‘There’s lots of examples of that,’ she said.

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International

EU chief Ursula von der Leyen elected for second five-year term

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European Commission President Ursula von der Leyen on Thursday was re-elected for a second five-year term. In a final pitch before the vote, the former German defence minister pledged to create a joint European defence union and to lead the fight to preserve a democratic “European way of life”.

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International

Lenders must mend their ways over debanking: Watchdog issues verdict on Farage’s bust-up with Coutts

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Banks have been told to do more to ensure MPs, peers and their families are treated fairly after a review by the City watchdog in the wake of the Nigel Farage debanking affair.

The Financial Conduct Authority said all lenders could improve how they checked an estimated 90,000 politically exposed persons (PEPs) deemed to be vulnerable to bribery or corruption because of the public office they hold.

The review followed a row last year when Coutts, the private banking arm of NatWest, closed Nigel Farage’s account.

‘Debanked’: Reform party leader Nigel Farage (pictured) claimed he was targeted because of his political views

‘Debanked’: Reform party leader Nigel Farage (pictured) claimed he was targeted because of his political views

The Reform party leader said he was ‘debanked’ because of his political views. He obtained a memo from Coutts calling him a ‘disingenuous grifter’ whose views did not align with the bank’s.

An independent review found his account had been closed mainly for commercial reasons but the affair cost NatWest chief executive Alison Rose her job.

The scandal also raised wider concerns about the way customers such as charities and small businesses are treated when their accounts are shut.

Last year The Mail on Sunday revealed lenders were shutting almost 1,000 accounts a day – a seven-fold increase on 2016 – in a ‘shoot-first-ask-questions-later’ approach to anti-money laundering rules.

Almost all accounts were closed because of ‘financial crime’ concerns. In some cases lenders are legally prevented from telling customers why they have been ‘debanked’.

Tougher anti-money laundering rules were introduced after the 2008 financial crisis to make banks safer.

But the Institute of Economic Affairs estimates that enforcing them cost banks £34billion a year – almost double the budget for policing across the UK – despite no evidence that the measures cut crime.

Although PEPs are subject to extra checks, the FCA said banks should not disadvantage people running for office or taking senior roles.

‘Public service naturally comes with greater scrutiny but it must be proportionate,’ said Sarah Pritchard, the FCA executive director of markets. ‘Most firms try to get it right but there is more they can do.’

A ‘small number’ of the 15 firms reviewed by the FCA face further scrutiny ‘to ensure they make changes,’ it said. Publication of the report was delayed because of the General Election.

Last night the FCA was accused of issuing its findings while Farage is attending the US Republican convention.

It was ‘notable’ that the report was released when ‘Farage is ill-placed to respond,’ said Andy Agathangelou, the founder of campaign group Transparency Task Force, adding: ‘It is almost as if the timing was hand-picked to reduce the probability of being challenged.’

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‘Fanatical colonialist’: The uneasy legacy of the French founder of modern Olympics

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Baron Pierre de Coubertin, the controversial French founder of the modern Olympics, is proving to be a divisive figure for organisers of the Paris Games. Yet while some deplore his sexist and colonialist remarks, others have praised his dedication to using sport to promote peace, viewing him as a visionary and a humanist.

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I converted a British Gas VW into a home-on-wheels and travel the UK with my dogs and partner – here are the most surprising things about van life and the top three places to visit

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‘We love the freedom, we loathe unpacking the van, especially after a wet weekend in Scotland.’

So says Owen Price, 32, from Arbroath, in Scotland, when we ask him what he loves and loathes about going on adventures in an ex-British Gas Volkswagen Caddy Maxi van that he converted into a camper with a rooftop tent, double bed – and gin dispenser.

He uses his van most weekends to travel alongside partner Megan Mcleod, 28, and their dogs Riley, 13, and Skye, nine, and posts pictures and videos of their trips on Instagram under the username @roofracks_rucksacks.

Owen also shares with MailOnline Travel the hidden gem locations they’ve discovered and the most surprising aspects of adventuring in a mini home on wheels.

One eye-opener has been the amount of money the couple has saved on accommodation. Owen says he was hugely surprised at ‘the amount of money saved on holidays and Airbnbs by being able to just jump in the van with a tank of fuel and snacks for the road’.

Owen Price and partner Megan Mcleod, pictured, use their van for mini adventures

Owen Price and partner Megan Mcleod, pictured, use their van for mini adventures

Owen, from Arbroath in Scotland, converted his ex-British Gas Volkswagen Caddy Maxi van, seen above, for £2,200

Owen, from Arbroath in Scotland, converted his ex-British Gas Volkswagen Caddy Maxi van, seen above, for £2,200 

The couple were shocked by the number of 'hidden gems’ they found along the road where ‘you can just pull up and visit for the day - and stay the night if you feel like it'

The couple were surprised by 'how achievable’ the lifestyle is

The couple were shocked by the number of ‘hidden gems’ they found along the road where ‘you can just pull up and visit for the day – and stay the night if you feel like it’. And they were surprised by ‘how achievable’ the lifestyle is

Another revelation was how quickly they made friends along the way.

Owen comments: ‘You already have something in common so it is very easy to make new friends while out exploring. We’ve met so many amazing people on our trips up and down the country and now have some friends for life.’

He was also surprised by ‘how achievable’ the lifestyle is – he claims ‘no matter your budget, whether it is a pull-out bed made from old pallets or a professional conversion’, you can make it work.

He notes: ‘It is surprising, with a bit of planning and thought, just how much you can fit into such a small space while still making it comfortable to live out of for periods of time – short or long. 

Owen's van in front of Buachaille Etive Mòr mountain at the head of Glen Etive in the Highlands of Scotland

Owen’s van in front of Buachaille Etive Mòr mountain at the head of Glen Etive in the Highlands of Scotland

Remarking on how he chose the van, he said: 'After extensive research, the VW Caddy Maxi came out top, specifically ex-British gas models, as they are well serviced and maintained being ex-fleet vehicles'

Owen travels with dogs Riley, 13, and Skye, nine

Owen travels with dogs Riley, 13, and Skye, nine (right). Remarking on how he chose the van, he said: ‘After extensive research, the VW Caddy Maxi came out top, specifically ex-British gas models, as they are well serviced and maintained being ex-fleet vehicles’

Coastal cruising: Owen's van is pictured here on the Isle of Lewis

Coastal cruising: Owen’s van is pictured here on the Isle of Lewis

DO’S AND DON’TS OF VAN LIFE 

By Owen Price

Do’s

– An unwritten rule that has been around for years – if you are a slower vehicle on the road, take the opportunity to pull over where possible and allow any queuing traffic to pass.

– Know your dimensions – height, width and weight so that you don’t get caught out on narrow roads or with low bridges or height barriers.

– Use only designated elsen points [chemical toilet disposal units] for discharging waste water and toilet contents.

– Some campervan drivers like to give a wave and/or flash when passing, don’t be shy to get involved!

Don’ts

– Campervans that set up in passing places are a massive inconvenience for everyone when navigating single-track roads.

– Do not leave rubbish behind and scorch grass with fires and BBQs. You should leave no trace you were there.

‘With everything having its place in the van it can stay packed ready to go at the drop of a hat whenever we feel like it instead of having to pack and unpack the car all the time.

‘We use the van every other weekend as much as we can as well as for longer trips, festivals, wedding accommodation and everything else in between, but mainly as an escape from reality.’

The couple were also shocked by the number of ‘hidden gems’ they found along the road where ‘you can just pull up and visit for the day – and stay the night if you feel like it’.

Recommending his top three spots, Owen says: ‘Red Squirrel Campsite in Glencoe is the closest “wild camping” experience you’ll get whilst still having campsite amenities such as an onsite shop and food truck, hot showers and washing-up facilities.

‘It’s surrounded by some of the most stunning rugged terrain Scotland has to offer. Pull up and find a spot – views guaranteed. It’s our favourite campsite.’

He also recommends Shell Island Campsite in North Wales. with its ‘stunning views of the unspoilt Welsh countryside, including Cardigan Bay and the Snowdonia National Park’.

He continues: ‘It is one of Europe’s largest campsites and has a host of facilities such as shops, bar, restaurant, arcade as well as washing and cleaning amenities and it hosts multiple event weekends throughout the year.’

Owen suggests the Isle of Harris for those who want beaches, and notes: ‘Like most of the Outer Hebrides, the Isle of Harris is stunning no matter the weather.

‘With breathtaking views, vast sandy beaches and turquoise water it’s a must-see. There are numerous campsites across the island as well as community-run aire’s [sites built specifically for campervans and motorhomes] that have overnight parking with basic amenities.’

Owen turned the blue van into a well-equipped camper

Owen added a gin dispensing bar

Owen turned the blue van into a well-equipped camper. It even has a gin dispensing bar (right)

Inside Owen's empty VW van before he converted it into a campervan

Inside Owen’s empty VW van before he converted it into a campervan 

The custom fittings include a pull-out table (bottom left) and storage. Owen says: 'With everything having its place in the van it can stay packed ready to go at the drop of a hat whenever we feel like it'

The custom fittings include a pull-out table (bottom left) and storage. Owen says: ‘With everything having its place in the van it can stay packed ready to go at the drop of a hat whenever we feel like it’

Inside the main body of the campervan with its extra seating

The projector screen for movie nights

Inside the main body of the campervan with its extra seating and projector screen for movie nights

Owen adds: ‘Being from Scotland, we are pretty lucky with what we have on our doorstep, but living on the east coast we have to admit that the “west is best”. Therefore we find ourselves travelling up and down the west coast often, with Glencoe being our favourite area.’

Owen completed the conversion of his VW van himself. As the images show, he turned the empty blue van into a well-equipped camper with seating, mounts for tools and clever storage solutions.

These include a ‘side pull-out kitchen drawer, multiple storage compartments, overhead cargo netting and rear door molle pouches,’ he describes, adding: ‘This paired with our TentBox roof tent, side awning and shower makes the most of the limited space. Our favourite features have to be the rear door gin bar and pull-down projector screen for when the weather doesn’t play ball.’

The roof rack opens into a tent with a double bed inside where Owen, Megan and their dog Riley sleep – and it compresses flat when they are driving. Larger pooch Skye sleeps in the van.

Pictured above is Glencoe, Owen's favourite place to take his van

Pictured above is Glencoe, Owen’s favourite place to take his van

The couple claim they spent around £2,200 on the conversion, plus the price of the van itself and the roof tent that they already owned. Owen notes that the price was ‘not much when you look at how much a professional conversion will set you back’.

They bought the van in January 2023, and he says: ‘I knew we didn’t want a large van. After extensive research, the VW Caddy Maxi came out top, specifically ex-British gas models, as they are well serviced and maintained being ex-fleet vehicles. Mine came up locally and cost £10,000. It is a 66 plate, so is ULEZ compliant, and has the more sought-after 2.0 TDI engine.

‘I have done the full conversion myself from fitting windows, to sound deadening, insulating, carpet lining, electrics and everything else in between. Saving a small fortune along the way! It’s amazing what you can achieve with a little bit of YouTube, some helping hands and some patience.’

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