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That is a thorough and eye-opening article Ray, for which I’m grateful to you, so thankyou.

We were at the presentation in Cricklade Townhall last Tuesday and thanks again for sharing your story and expertise.

I’m glad you mentioned Northern Rock in the article because we had our house repossessed by them on their third District Court Action against us in February 2013. So like you we were made homeless despite being in Negative equity of over £120k - which they demand from time to time but which we ignore and file.

We’d be very happy indeed to be able to punish them for that. The Bailifs (Mr Smiths) had been very good to me throughout as I’d kept them posted in person when visiting them over several years to pay off what I could for non-mortgage debts. In fact, on eviction day they didn’t attend. I later met one of them who told me they were all disgusted with that arrogant judge and withdrew their support. He was even more lame vid when I told him I’d gone without representation to the final hearing to tell the judge my long-awaited planning permission on my office building (owned by our SSAS) had come through so I could clear the arrears once I’d sold it. He demanded paperwork I couldn’t provide at the time but had the decision number which he disregarded! It wasn’t a fair hearing.

I have subscribed to your group on the minimum £5 a month as I was waiting for my state pension to come through. I can increase that now.

Do you think we could claim against them as you are doing? I have all the paperwork. We were evicted in February/March 2013, homeless for 4 months & in halfway flat for 5 months and finally got a social housing house by Christmas of that year.

Thanks again for bringing your campaign to our attention.

All the Best,

Tony & Gill Lovell

07368369532

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