The Mail on Sunday takes up the case of HBOS's Sam victims... widows or widowers of Shared Appreciation Mortgagees who find themselves homeless when the bank calls in debts. HBOS and Barclays both pushed these mortgages in the 90s. According to Sam rules, mortgagees agree to give back around 75% of capital appreciation (plus the original loan). If they die, the bank calls in the debt, and any spouse living there is out on their ear. Barclays apparently have a system in place to deal more equitably with widows and widowers. HBOS apparently don't. Go here to read the Mail on Sunday's open letter to HBOS.

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