When you need to apply for mortgage, loan and car finance payments by

IF you’re struggling financially because of the pandemic, help is available from mortgage holidays to breaks on paying back loans.

The government has announced a range of measures and here we have listed the deadlines you need to know about for applying for help.

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When the Prime Minister brought in the coronavirus lockdown on March 23, many people were left without work or a reduced income.

This has put a lot of pressure on finances but some help is available.

In an attempt to keep the economy going, payment holidays have been allowed on most debts, including mortgages, credit cards, loans, and car finance contracts.

If you are struggling to repay these each month, a payment holiday can provide a little breathing space.

While it is possible these deadlines might be extended, at the moment here are the dates you need to know.

Credit cards, loans and store cards

On Thursday, April 9, the FCA introduced measures to help those struggling to pay back credit cards, personal loans and store cards.

It is in place for three months and you have until Thursday, July 9 to apply.

Car finance contracts and payday loans

If you have an outstanding car finance contract, or a payday loan, but because of the virus you're struggling to make payments, you have until Monday, July 27 to apply for a payment holidays.

The Financial Conduct Authority (FCA) said you can apply to defer payments for up to three months at any point before this date.

Insurance premiums

All types of general insurance, including home and car policies, are also included in the measures for coronavirus.

You can apply for a holiday from payments until Tuesday, August 18.

The FCA said insurers need to look at a range of options to help including, reducing your premium, waiving admin and cancellation fees, extending cooling off periods, and partly refunding payments if you paid upfront.

Individual Voulntary Agreements (IVAs)

Help for those with IVAs was announced by the government last month.

Those with one can  apply for a three-month holiday and a 25 per cent cut to repayments, and they have until Tuesday, October 20.


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It was confirmed last week that the mortgage payment holiday scheme would be offered for a further three months, until the end of October.

Proposals to extend repayment holidays were put forward by by HM Treasury.

Over 1.8million mortgage payment holidays have so far been taken up since the scheme was first announced by chancellor Rishi Sunak back in March.

The government has said homeowners will now have until October 31 to ask for a three month freeze (not a six month freeze) if they've not taken one up already.

But there have been some warning around payment holidays affecting your abiity to get a mortgage.

You can still get help if you're receiving Universal Credit and struggling because of the virus.

Here's 21 ways to fix your coronavirus-hit finances.

Self-employed workers can also get help, with loans of up to £7,500.

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Spoilers: Shock exit for Vinny in Emmerdale as he learns the truth about Paul?

Vinny Ashdale (Bradley Johnson) was chuffed to find a pal in newcomer Alex in Emmerdale, but the young lad has no idea that his so-called mate is actually dad Paul Ashdale (Reece Dinsdale) — that is, until next week, as he makes such a devastating discovery in the coming episodes.

Vinny takes ‘Alex’ up the Dingle household for the afternoon, and the pair have a chat. However, Alex ends up putting his foot right in it, as he makes a comment about Mandy (Lisa Riley) — one that would suggest that he already knows her.

Vinny’s quizzes his mate further — who does what he can to cover.

As they leave, Mandy spots them — and it’s safe to say she’s not in there least bit pleased.

Later, she uses Vinny’s phone to set up a meeting with Paul, and — upon arriving — he’s shocked to realise that she knows everything.

Emotions run high, and Mandy orders Paul to stay away, and — later — he barges up to the Dingles once more to have it out with her once again.

However, Vinny soon walks in, and — in spite of Mandy’s attempts to cover — Paul reveals the truth.


Having realised the extent of all the lies, Vinny storms off, and Mandy swoops into action with the Dingles by her side, as they set off in search of the young lad.

However, it appears as if they’re unable to find him, and Mandy begins to fear that she’s lost him for good.

Has Vinny left the village?

Or will he return?

If you’ve got a soap or TV story, video or pictures get in touch by emailing us soaps@metro.co.uk – we’d love to hear from you.

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Amanda Holden gears up for daily exercise in skimpy red shorts to match retro bike – The Sun

BGT judge Amanda Holden gears up for her daily exercise trip in skimpy red shorts that show off her shapely pins and even match her retro-style bike.

The mum of two, 49, who is homeschooling her daughters with hubby Chris Hughes in Surrey, says: “Working up a sweat is good for your mind, body and soul.”

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Saddle do nicely, Amanda.

Amanda has been giving her followers a glimpse into her lockdown life and admitted she's actually enjoying it.

She is isolating at home in her amazing Surrey mansion with husband Chris and their two daughters, Lexi and Hollie, during the global coronavirus pandemic.

Clearly no expense was spared when it came to decorating their chic pad which boasts an impressive £34,000 living room, a swimming pool and a glorious garden.

Amanda's daughter Lexi, 14, was recently seen dancing on the roof of the family's mansion in a TikTok video.

The teenager bravely took to the flat roof portion while younger sister Hollie, 8, and mum stayed safely in the garden.

Britain’s Got Talent judge Amanda posted the video to her Instagram with the caption: “This is how we ended another day of home schooling… with PE!

“According to my daughter #Lexi (on the roof) this has gone viral on TikTok, but I’m yet to get onboard officially!"

The mother and daughter have also been entertaining fans during lockdown with a series of videos including a hilarious make-up tutorial.

In the clip, Amanda can be seen smeared in red lipstick before it’s revealed Lexi is hidden behind her and blindly applying products to her mum’s face.

Doing her best to hold back giggles, Amanda talks through the process, which starts off by Lexi applying thick foundation.


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How Bad Boys For Life Pulled Off That Utterly Ridiculous Motorcycle Scene

When Bad Boys for Life hit theaters back in January, it marked the return of a cinematic franchise which had been absent from screens since 2003’s Bad Boys II, which was directed by Michael Bay. While over 15 years had passed since the last installment and the titular Bad Boys found themselves closer to the end of their career than then beginning, the over-the-top action is as massive as ever in Bad Boys for Life–including an incredibly impressive chase scene that sees Detective Mike Lowrey (Will Smith) on a motorcycle, with Detective Marcus Burnett (Martin Lawrence) in the sidecar.

Now, with the movie, directed by Adil El Arbi and Bilall Fallah, arriving on 4K, Blu-ray, and DVD on Tuesday, April 21, a special feature from the home release goes behind the scenes to show how this moment was pulled off. And if you don’t want to wait for the home release, you can take a look at the featurette below.

Surprisingly, there’s not a lot of CGI involved. Instead, in what can be viewed as an homage for Michael Bay, director of the first two films in the franchise, the explosions, crashes, and completely ridiculous stunts were all real.

That was even the case for the moment where the motorcycle and sidecar become detached from one another. To make that happen, SFX coordinator Eric Frazier and his team got creative. “The separation rig [makes it so] we were able to separate Will so [he’s on] a free-drive bike,” he explained. “Then we took the little sidecar and we build a go-kart under it. So when they kicked apart, it dropped and looked like it was skidding and had sparks. Then the stunt guy could drive the little go-kart and he’s ping-ponging off of cars.”

And yes, the massive explosion and helicopter that swoops in after that was all pulled off practically on the film’s set. Don’t worry, though, Will Smith wasn’t actually dangling from the helicopter. Instead, as seen in the featurette, it was his stunt double Cory Dunson. Of course, they’re not going to dangle Will Smith out of a helicopter.

This is just one of many features you can see on the home release of Bad Boys for Life, including on digital now. Take a look at the other features below. Bad Boys for Life is available on 4K, Blu-ray, and DVD on April 21.

4K, Blu-ray, and digital special features:

  • Extended & Alternate Scenes(Including an Alternate Ending)
  • Outtakes & Bloopers
  • Ride or Die: Making Bad Boys for Life
  • Partners in Crime: Behind-the-Scenes
  • It’s About Time
  • Easter Eggs

DVD special features:

  • Extended & Alternate Scenes
  • Outtakes & Bloopers

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Health secretary mocked for announcing badge for care workers

The health secretary has been criticised for announcing the launch of a new badge for care workers at this afternoon’s coronavirus press conference.

Matt Hancock has been mocked on social media, with many suggesting care workers need more than a badge, and others saying it actually already exists.

He announced new green and white branding for the industry to be worn as a ‘badge of honour’ in a similar way to the NHS.

Mr Hancock said: ‘This badge will be a badge of honour in a very real sense, allowing social care staff proudly and publicly to identify themselves, just like NHS staff do with that famous blue and white logo.

‘I know that many businesses will want to offer the same recognition and benefits as they do wonderfully to the NHS.’

He said the ‘single brand’ identifying people as care workers may help them access similar perks to NHS staff.

Supermarkets had been asked to give the same priority access to care workers as NHS staff, he added.

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But the health secretary has been mocked and criticised for the move.

Teacher Jo Denton, alongside a number of other people, claimed the idea of the badge was actually introduced last year.

‘This is not the Thick Of It, Health Secretary, this is real life and death. Stop patronising these heroes and get them PPE.’

Niall Dickson, chief executive of the NHS Confederation, which represents organisations across the healthcare sector, said: ‘Let this be the day we stop talking about health and social care as if they are two different worlds, as if the NHS and nursing homes have different values.

‘We are in this together and, not before time, the Government has stepped in to proclaim parity for all forms of care and all staff working tirelessly to defeat the virus and save lives.

‘The virus does not discriminate and nor must we – all care is equal.’

The news comes as Mr Hancock also announced today patients leaving hospitals will be tested for Covid-19 before being let back into care homes, as well as promising an increase in PPE supply for social care workers.

He said a supply network of ‘unprecedented scale’ would help get personal protective equipment to care home staff.

Get in touch with our news team by emailing us at webnews@metro.co.uk.

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Families face delays for free school meal supermarket vouchers due to IT problems – The Sun

HARD-up families entitled to free school meals are having to wait up to a week for their supermarket vouchers due to IT problems.

Under the scheme, struggling families should receive vouchers worth £15 a week per child.

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But the system has been plagued by errors, despite an upgrade to the database delivering the vouchers.

The Edenred website that runs the scheme was rebuilt over the bank holiday weekend to increase capacity, said the Department for Education (DfE).

But some schools say they are still struggling to log on.

Yesterday, Danny Sohal, business and resources manager at Chiswick School, in west London, told the BBC vouchers the school had ordered on April 7 had finally been approved – although not yet emailed to parents.

Meanwhile, its April 8 orders had still not been processed.


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He said attempts to log on to the platform were still being met with error messages, while telephone queues were over an hour long.

After finally getting through, he was told that the error messages were being sent to try to limit traffic to the site.

Mr Sohal was advised that this would allow Edenred to work through the backlog, which, could be up to 16million vouchers.

The Sun has also seen numerous teachers and school business managers in England complain about the problem on social media in recent days.

One Twitter user wrote: "Uploaded my orders last week and been trying to approve them ever since!

"Managed to approve three orders this morning, took about an hour as the site was so slow.

"Now crashed again and getting the error message again for the 4th order. This is horrendous."

While another added: "Our vouchers have been ‘pending’ for six days.

"Tried to phone #edenred it rings twice then instant hang up.

"We were given 48 hours to arrange the closure of our schools, safeguarding and provision for KW.

"How is this taking them so long? It’s as if they really don’t care."

Harrow Way School in Andover, Hampshire also tweeted yesterday: "We have now sent two weeks worth of vouchers via e-mail (for last week and this week) to parents of our students eligible for free school meals.

"We're sorry for the delay."

A DfE spokesperson told The Sun: "We know that the free school meal voucher system is delivering for thousands of schools.

"We continue to work closely with our supplier Edenred to resolve any outstanding issues quickly.

Around 1.3million children around the UK currently get free school meals, usually because their parents get certain benefits, such as Universal Credit or working tax credit.

Children in reception, year 1 and year 2 automatically get free school meals if they attend a government funded school.

Just over a week ago, ministers announced the voucher scheme would run over the Easter holidays too.

But thousands of school children under the age of seven will miss out during the coronavirus crisis.

The scheme launched on March 31 – here's all you need to know about getting the vouchers.

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Testing ramped up for anyone with flu symptoms in at-risk parts of Sydney

People in swathes of Sydney will now be eligible for coronavirus testing as NSW boosts its efforts to tamp down local spread of the disease.

Now anyone with even mild flu-like symptoms in large parts of Sydney and NSW considered at risk of wider community outbreaks will be able to have a COVID-19 test.

It comes as the national death toll rose to 61 following the deaths of a 74-year-old woman and a 79-year-old man in NSW hospitals. Both had been passengers on the Ruby Princess.

Nationally there have been 6359 confirmed cases of COVID-19, with Health Minister Greg Hunt saying "Australians have done what we had hoped and more" by staying home over the Easter long weekend and avoiding a spike in diagnoses.

NSW Health acting director Dr Christine Selvey said on Monday they want to make sure there’s no widespread community transmission in council areas that have been identified as being at risk.

"We’re asking that everyone in these areas if they have even very mild symptoms to present to their GP or one of the COVID clinics or even to a hospital and seek testing."

Dr Selvey said the areas with increased testing include Sydney's Inner West, Waverley, Woollahra, Randwick, Ryde, Penrith, Liverpool, Blacktown, Cumberland and Westmead.

Those council areas were picked either because they had "a few cases" with no known link to other cases, or because there were concerns about community spread, she said.

So far, about 37 per cent of NSW’s 2860 cases have been locally acquired. The source of infection is unknown for 350 cases, or 12 per cent of the total.

To date NSW has done 144,380 tests, which Health Minister Brad Hazzard said "certainly is far more than any other state or territory" and accounts for almost half of all the tests across the country.

However, the average number of new tests conducted every day in NSW has fallen to 2800 so far in April, compared to 4000 new tests per day in March.

NSW Health also announced last week that testing criteria would be expanded for people living in Dee Why, Manly, Ryde, Macquarie Park, Broken Hill, Lake Macquarie, Manning, Nowra and South Nowra, Byron and Port Macquarie.

The City of Sydney and Waverley have the highest number of cases with an unknown source of infection at 31 and 27, followed by Randwick with 18.

In the week to Sunday, Bayside, Liverpool and Waverley recorded the most new cases, with 14, 12 and 11 respectively.

The most tests per resident have so far been conducted in the south-eastern Sydney and northern Sydney local health districts, with about 2250 and 2235 tests per 100,000 residents.

The criteria for COVID-19 tests will be expanded in parts of the state where there is deemed is a risk.Credit:Roger Stonehouse

In comparison, about 35 per cent fewer tests have been done in south-western Sydney and 30 per cent fewer in western Sydney, with 1510 and 1600 tests per 100,000 residents respectively.

There have been concerns around the world about a shortage of testing kits, but a NSW Health spokeswoman said they would not ramp up testing efforts if they did not have the capacity to do so.

"Across its nine dedicated COVID-19 testing laboratories, NSW Health Pathology has the capacity to undertake more than 5000 tests per day, which exceeds the current demand for testing in NSW," the spokeswoman said.

"Private pathology providers are also assisting through testing for some GP clinics across the state."

While Mr Hazzard said there was a "new focus" on increasing the number of tests being done, there was still "a lot more to do".

Opposition health spokesman Ryan Park said while Labor supported the new testing criteria, the broadened testing for anyone with a sniffle should be rolled out across NSW.

"We’ve been saying consistently for a long time … you can't do enough testing."

Professor Carola Vinuesa, co-director of the NHMRC Centre of Research Excellence in Personalised Immunology at ANU, said expanding the testing was a "very good move".

"It makes perfect sense to test as many as possible," she said. "Obviously the place to start is symptomatic cases and in areas where there’s already community transmission."

While it can be difficult to know when to expand testing Professor Vinuesa said with a much-reduced number of travellers and ahead of flu season, now would be the perfect time to expand testing to include anyone with symptoms.

"A second wave might occur, so we want to be vigilant or sure there's no community transmission," she said.

"It will make sense to test more, and extend testing to vulnerable populations and healthcare workers regardless of symptoms."

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Dr. Drew Pinsky apologizes for equating coronavirus with the flu

Dr. Drew Pinsky has apologized for comparing the novel coronavirus to the flu.

The celebrity addiction specialist, who is also an internist, said in a video shared on Twitter over the weekend, “My early comments about equating coronavirus with influenza were wrong. They were incorrect.”

“I was part of a chorus that was saying that, and we were wrong, and I want to apologize for that,” he said. “I wish I had gotten it right, but I got it wrong.”

The “Celebrity Rehab” star, 61, faced backlash following a video dating back to February in which he claimed COVID-19 was a “press-induced panic” and “way less serious than influenza.”

“I am very angry about it,” he said of the purported fear-mongering.

He also claimed that people’s chances of dying from coronavirus were lower than being “hit by an asteroid.” In New York City, the death toll had reached more than 2,400 as of Sunday, officials said.

In his apology video, the TV personality also reiterated his stance that Dr. Anthony Fauci — an infectious disease expert who is on the White House’s coronavirus task force — should be the public’s “North Star” when it comes to coronavirus information.

“What I also said was follow the CDC’s recommendation; follow Dr. Fauci’s recommendation. They will keep us safe. And I thought that when the government started taking more aggressive measures, we should all sign on,” Pinsky continued.

“We have a collective responsibility to do so. I’m doing what I’m supposed to do. I wear a mask outside now. And it’s paid dividends. It is improving. It is flattening the curve. And I’m delighted to be a part of that. I’m glad to be a part of that.”

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Free childcare for all, but Morrison vows to go back to old ways

Prime Minister Scott Morrison is vowing to return to conservative economic policy-making "on the other side" of the COVID-19 crisis after he made childcare free for all families as part of the government's $196 billion spending on pandemic stimulus.

Education Minister Dan Tehan and Prime Minister Scott Morrison have announced a transformation of Australian childcare. Credit:Alex Ellinghausen

Australia's childcare funding system will be transformed in a bid to keep as many of Australia's 13,000 centres as possible open, prioritising care of vulnerable children and children of essential workers as part of government efforts to prop up the economy.

Mr Morrison warned the dramatic interventions into every part of Australia's economy were temporary and will be wound back once the coronavirus threat has passed.

"There is a snap back there, a snap back to the previous existing arrangements on the other side of this," he said on Thursday. "There is an intensity of expenditure during this period. And then we have to get back to what it was like before."

The Morrison government has committed $196 billion in stimulus and survival packages in recent weeks, including doubling the dole and providing $130 billion to subsidise up to six million workers' wages. The response has been largely welcomed by economists, union and business leaders, and backed by Labor, but is expected to push up national debt to $1.5 trillion next year.

Nationals MP Barnaby Joyce this week warned Australia will suffer from a "debt nightmare" while former Reserve Bank of Australia governor Bernie Fraser has said the government faces a financial "reckoning". Mr Fraser suggested the government may have to reassess existing spending measures such as tax cuts.

The $1.6 billion suspension of the childcare subsidy system has been welcomed by early education and care providers and advocates, who say the measures will help keep centres open and provide employment for a 200,000-strong workforce.

"It will be a system which will mean parents will get their children cared for for free," Education Minister Dan Tehan said.

"What we will be doing is turning off the old system and going to a new system, which will provide that relief to parents."

Free childcare will be available to all families from next week, subject to availability, but Mr Tehan said preference would be given to children of essential workers, disadvantaged children and previously enrolled children.

"The most important of those are those essential workers and the vulnerable children," he said.

Mr Tehan encouraged any parents who had terminated enrolments to get back in contact with their childcare centre.

"I don't want a parent to have to choose between feeding their kids and having their kids looked after or having their education being provided," Prime Minister Scott Morrison said.

Mr Morrison said the official medical advice on children attending childcare was clear and had not changed.

"There is no health risk in children going to school or childcare," he said.

Under the new system, means-testing for childcare subsidies will be suspended. The government is also waiving the gap fee for parents who have been paying for childcare, backdated to March 23.

Advocacy group Early Childhood Australia praised the package for tackling the key concerns of providers and families.

"Families will now continue to have access to the services they trust, and services know they can stay open with core jobs secured," chief executive Samantha Page said.

"For families who want to keep their children at home, there is no longer a terrible choice between paying a gap fee and losing their place at the service."

The Early Learning and Care Council of Australia said the measures would encourage families to put children back in care and resume their early education.

"ELACCA is also very pleased that frontline workers and children experiencing vulnerability and disadvantage will have priority of access to early learning and care services across Australia," said chief executive Elizabeth Death.

Under a $1.6 billion measure, providers will be paid 50 per cent of their fee revenue up to the existing hourly rate cap based on enrolment levels before the mass exodus of children at the start of March.

To be eligible for the payments, providers must stay open, not charge any fees and prioritise care for children of essential workers, vulnerable and disadvantaged children and those previously enrolled.

"They must also seek to re-enrol those parents who might have dropped off," Mr Tehan said.

Mr Tehan said 60 per cent of the costs of a childcare centre were wages and noted the previously announced JobKeeper wage subsidy would also be supporting the sector "to the tune of over $1 billion".

After school care and vacation care services will also be able to access the payment, taking the entire package to $1.6 billion, on top of the JobKeeper subsidy.

"The old system is quite a complex system. It was drafted for a pre-pandemic time. What we needed to be able to do with reductions in attendances is look at how we could put in place a new system which would adjust for that," Mr Tehan said.

He said the temporary system would be reviewed after one month and in place for at least six months. Eventually the government will "look to evolve back to the existing system".

According to the latest figures, 1.34 million children from 945,000 families were enrolled in childcare and early learning before the COVID-19 crisis. Average weekly use per child was 24.7 hours.

The country's largest childcare provider, Goodstart Early Learning, does not currently qualify for the JobKeeper package because its turnover exceeds $1 billion and Mr Tehan said discussions were ongoing about support for the company. In a press conference on Thursday, he said the company makes $100 million in profit annually.

The company, which operates 665 centres, immediately rejected the claim, saying it was a not-for-profit and its operating surplus was $11 million last year. It estimates a loss of $20 million this year.

"Today’s announcement offers no certainty for our educators and teachers. Nor does it offer any comfort for the 3000 casual educators we had to stand-down last week," the company said in a statement.

The company must demonstrate a 50 per cent reduction in turnover to access JobKeeper subsidies, without which it says "we will not be able to keep our centres open – not for essential workers and vulnerable children now and not when the rebuild begins".

Labor's early child education spokeswoman Amanda Rishworth welcomed the measures announced by the government.

"Many Australian families were already struggling to pay child care fees prior to the current crisis, and this has only been made worse as many parents have lost income. Today’s long-awaited announcement of fee relief is welcomed," she said.

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Harry Styles goes for a lonely hike in the Hollywood hills after revealing he’s stuck in US amid coronavirus lockdown – The Sun

HARRY Styles was spotted going for a solo hike in the Hollywood Hills after admitting he's stuck in America because of the coronavirus.

Harry, 26, appeared serious as he headed out in Los Angeles wearing a pair of grey shorts and a black hoody with a matching backpack.

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The former One Direction star accessorised with a bright yellow cap emblazoned with the words 'Free & Easy', black trainers and dark sunglasses.

Clutching his mobile phone and wearing a pair of AirPods, Harry was clearly listening to some tunes as he got his daily dose of exercise.

His lonely outing comes after he revealed he's stuck in California because of the global COVID-19 pandemic.

The singer was due to fly to Europe for the latest leg of his Love On Tour show but was forced to postpone due to the current situation – which means he’s had to stay in the US.

Discussing his predicament on Capital Breakfast today with Roman Kemp, he was asked where in the world he was.

Harry explained: "Well, that's a bit of a long story.

"You see, I kind of got stuck here in California. I was supposed to board a flight home, but on that exact day, the US decided to cancel all flights, so I just had to stay here.

"I'm really sad that I have to cancel it. I was really looking forward to coming home and spending some time with my mum and sister, and my family, but it's for the best.”

Harry’s mum Anne and his sister Gemma still live in the UK, while he spends much of his time across the pond these days.

He continued: "I think, honestly, it's obviously disappointing, but it's not even close to being the most important thing right now.

"I think everybody understands – it's not like there's anything you can do about it. I think the most important thing right now is to keep everybody safe.

"I have to do that for all of our crew, as well as the fans coming to the shows. I don't want to go to a show right now, if this is the thing.”

Harry will now be touring in England, Ireland and Scotland in March 2021, rather than in April of this year.

Last week he confirmed the rescheduled dates with an Instagram post, which he captioned: "Anyone who knows me, knows that performing has always been my favourite part of working in music.

"However, during times like these, the safety and protection of touring crew, fans, and everyone else around the world is an immediate priority.

"For obvious reasons, the upcoming tour in the UK and Europe will be rescheduled to 2021. Tickets already purchased will be valid for these shows.

"In the meantime, we will be closely monitoring the situation around the world and will continue updating you in the months to come."

Harry finished the post with: "For the safety of yourself and others, please self-isolate. We’re all in this together. I can’t wait to see you out on the road as soon as it’s safe to do so. Until then, treat people with kindness. H."

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