SAFE (Struggle Against Financial Exploitation Limited) and leading bank HBOS have met for a second time to discuss Shared Appreciation Mortgages (SAMs). Meeting with SAFE in London on September 25, HBOS representatives confirmed that they were reviewing whether a hardship scheme was a feasible option but stressed that there was no certainty that a mutually acceptable solution could be found. SAFE’s aim is to find a fair solution for customers poorly served by the1997-1998 SAM schemes.