Storm Frank: more floods expected as gales and rain batter Britain and Ireland – live

• Environment Agency head to meet flood victims
• The storm so far: read the latest summary
• North of England braced for further flooding as Storm Frank hits
• George Monbiot: this flood was not only foretold - it was publicly subsidised
• Flooding in the UK: how have you been affected?

9.58pm GMT

The Chancellor, George Osborne, has been accused of jeopardising Britain's crumbling flood defences over the past five years by prioritising cuts to the deficit, and has also been warned that infrastructure spending may need to rise sharply to adapt to climate change.

You can read a full report here on the warnings leading academics. Here's a snippet:

Professor Simon Wren-Lewis, of Oxford University, who has analysed data on recent flood spending, said there was little sign that the government had changed course to take into account the growing threat of extreme weather.

"What you would really expect is to see spending at a much higher level," he said. "It doesn't seem like the same kind of reaction which we know has happened to the threat of terrorism, where we know spending levels have increased by a large magnitude."

9.56pm GMT

Phyllis Young was one of those on board the Stagecoach bus when it got into difficulty in Dailly, South Ayrshire (See earlier post)

Speaking after the rescue, she told BBC Scotland:

The water came in the bus, it came up and up and got to the windows and was just like big waves. You could see the current - it was very, very scary.

We moved up to the back of the bus because the seats were higher. I actually sat on the ledge at the back. Some people were standing on the seat grab bars. My feet and legs were in the water the whole time.