失敗 as £483k 法案 sent to dead mother

By Richard Dyson
Updated: 09:29 BST, 31 January 2010

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It is the 最新の 失敗 in a horrifying 事例／患者. John Perry featured in 財政上の Mail last August when West Bromwich Building Society threw him out of the home that had belonged to his mother until her death in 2005.

Homeless: John Perry has been sleeping in a 宿泊所 since the society 立ち退かせるd him

He had been living there with her since 1968. Since his eviction John, 60, has been sleeping in a 宿泊所 in Nottingham.

He is 戦う／戦いing to have the house 回復するd to him and he is also fighting for the return of its contents, which went 行方不明の after the building society 掴むd the 所有物／資産／財産.

Letters 演説（する）／住所d to the house, Beck 宿泊する, which is in nearby Epperstone, are 存在 今後d to John's 宿泊所, which is how he received West Bromwich's 最新の letter - sent to his dead mother.

演説（する）／住所d to 'Dear Mrs Perry', the letter says his mother 借りがあるs £483,270 and that she is in arrears by £177. It also says she has been 告発（する），告訴（する）／料金d £400 over the past six months in 'arrears 料金s'.

The correspondence 追加するs that she should phone すぐに if she has 'any questions about these 人物／姿／数字s'.

The letter gave John the first 指示，表示する物 of the 量 which West Bromwich （人命などを）奪う，主張するs was 借りがあるd by his mother. In the past the society has 辞退するd to discuss 人物／姿／数字s with him.

The gaffe raises 疑問s about the competence of the society's 管理／経営, which has 530,000 savers and almost 倍のd last year after a string of imprudent 貸付金s. It also raises questions about the thousands of 議論の的になる mortgages the society sold to older people in the Eighties and Nineties.

Although not 述べるd as such at the time, these were an 早期に - and now hugely discredited - form of 公正，普通株主権 解放（する）.

John's mother, Bertha, borrowed £64,000 in 1990 under one of these 協定s. She was then 老年の 71. The 初めの mortgage 契約 was コンビナート／複合体, 要求するing some 負債 to be repaid 月毎の while the 残りの人，物 would roll up until her death.

In the wake of bad publicity, West Bromwich altered these 欠陥d 貸付金s, （人命などを）奪う，主張するing that out of ' sympathy' it would waive 返済s and instead turn the 貸付金s into '十分な 利益／興味 roll-up mortgages'.

In the 事例／患者 of the Perrys, at least, there appears to have been no paperwork 文書ing the change to the 協定, the new 条件 and the new 率 of 利益／興味.

There is no explanation of how the supposed £483,270 負債 has been amassed. John （人命などを）奪う，主張するs that for many years his mother heard nothing from the 貸す人.

財政上の Mail has 繰り返して asked West Bromwich to produce such documentation, without result. Letters from John's MP, 米，稲 Tipping, 労働 member for Sherwood, to West Bromwich 長，指導者 (n)役員／(a)執行力のある Robert Sharpe have shed no light on the 事柄, either. West Bromwich 辞退するs to answer John's correspondence.

The society appears to have used the 初めの 貸付金 協定 to 得る the 法廷，裁判所 order to repossess the 所有物／資産／財産 and is 現在／一般に marketing the house for £199,950.

John's solicitor is 確信して that, even if the home is sold, a 事例／患者 could be brought against West Bromwich based on a number of factors - まず第一に／本来 its 失敗 to create a proper 契約.

The building society said in 関係 with the letter to the late Mrs Perry: 'This was 極端に unfortunate and, of course, should not have happened. We 心から 悔いる any offence 原因（となる）d.'

But it continued to 辞退する to 供給する any 証拠 of the changes made to Bertha's mortgage or to explain the 条件 of her 貸付金.

It also 拒絶する／低下するd to say how many such 貸付金s it had sold or how many remain in 軍隊.