This week's PR fail: the Department of Education and Megan Stammers

Teachers accused of offences against children: anonymous unless charged.

On Monday, legislation comes into force which means teachers accused of offences against children have lifelong anonymity unless they are charged.

Unfortunately for the Department of Education and teaching unions, this comes at the same time as a high-profile news story illustrating how ludicrous the new law is - that of Eastbourne teacher Jeremy Forrest who has now been discovered with 15-year-old schoolgirl Megan Stammers in Europe.

I can name him today, but as of Monday, who knows? This situation today prompted the Department of Education to put out a press release, the first sentence of which is the exact opposite of the truth.

A Department for Education spokesperson said:

This change will not affect cases like the one currently getting national attention. The police, media organisations and others will be able to apply to a magistrate for an order lifting teacher anonymity. If it is in the best interest of the child, this will be granted straightaway so the public can help the police. No teacher who has been charged with an offence, or where a warrant for arrest has been issued, will enjoy anonymity.

While situations like this are not common, it is the case that malicious and groundless allegations against teachers have been a serious problem in our schools. A survey for the Association of Teachers and Lecturers found that one in four school staff has been subject to false allegations from pupils. We want teachers to be confident that they can impose discipline without their careers and personal lives potentially being blighted by baseless claims.

Unfortunately the new law will affect cases exactly like the one currently getting national attention.

In future, the next time a teacher abducts a child in their care the police will have to go to a magistrate and argue the case for their right to anonymity to be waived. The order could well be opposed.

Anyone who has tried to get information out of a police press office will know that they can be pretty slow off the mark at the best of times when it comes to divulging information about recent crimes and this crazy piece of legislation is not going to help matters.

As an aside, the new legislation doesn't just affect the media - it means that parents who make accusations about teachers to each other could fall foul of the act. The result of all this will mean that teachers who have a reputation for overstepping the normal bounds of the teacher-child relationship, but are never convicted of anything, will move from school to school protected by lifelong anonymity over any accusations which may have been made about them.

Photograph: Getty Images

Dominic Ponsford is editor of Press Gazette

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I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.