One victim who is young and energetic enough, has successfully persued his loss to the Bank of Scotland through the High Court. His loss, of the order of Ł700,000 is an obvious case of extortionate credit, created by an unregulated and un-capped product.

An elderly couple living in a village can no longer get to the local shop which has now closed down. They now need to move back to the town but have lost so much that they cannot afford to move. The gentleman concerned was in tears when he contacted the action

A couple getting close to retirement are aready paying 1,300 pounds interest per month to the Bank of Scotland for their SAM loan. When they retire, they will be no longer in a position to pay,

A couple borrowed 55,000 pounds with a Barclays SAM which was then a quarter of the value of the home The property, now valued at 500,000 pounds has lost half its value to the bank because of the inflexibility