:00:00. > :00:11.Welcome from Stonehenge to Inside Out with more of your stories from
:00:12. > :00:16.where we live. Here is what's coming up tonight.
:00:17. > :00:25.Has Stonehenge been giving its secrets quite? Is sound the key to
:00:26. > :00:55.Wiltshire's world Heritage site? And we investigate the bank trying to
:00:56. > :01:02.First tonight: it's a world heritage site: Stonehenge.
:01:03. > :01:08.For generations it's puzzled everyone as to what it means. Well,
:01:09. > :01:18.now a new theory says we shouldn't be bothered with how it looks, but
:01:19. > :01:22.rather how it sounds. Stonehenge, the ultimate archaeological riddle.
:01:23. > :01:26.Body in order to try and solve it, I need to take a road trip. I'm going
:01:27. > :01:29.to Wales, almost as far West as you can go, because that is where the
:01:30. > :01:38.Bluestones of Stonehenge came from over 4,000 years ago. Fellow! Thank
:01:39. > :01:41.you. They must have been something really special to Stone Age man.
:01:42. > :01:46.These lumps of rocks well they weighed four tonnes each. That's the
:01:47. > :01:53.same as a fully loaded transit van ` but of course they didn't have an
:01:54. > :01:59.engine! So why lug such massive stones all that distance? I'm
:02:00. > :02:02.meeting Paul Devereux an archaeologist who has recently made
:02:03. > :02:05.a very intriguing sounding discovery that suggests an answer to that
:02:06. > :02:15.mystery ` sound being the key word...
:02:16. > :02:19.Hello, you must be Paul. Hi, Jon, good to see you.
:02:20. > :02:22.We meet below Carn Menyn ridge in the Preseli Hills, 183 miles from
:02:23. > :02:26.Stonehenge. Got my microphone. Oh, you'll need
:02:27. > :02:29.it! Paul is the leading investigator of
:02:30. > :02:31.a project sponsored by the Royal College of Art looking for evidence
:02:32. > :02:40.of a pre`historic landscape. How might it have looked and sounded to
:02:41. > :02:42.Stone Age man? So why have you brought me to this
:02:43. > :02:45.desolate spot, then? Well, because it is desolate,
:02:46. > :02:49.really. We wanted a pristine landscape one that would be much the
:02:50. > :02:53.same as Stone Age as now and what we wanted to do was to try to record
:02:54. > :03:01.what Stone Age eyes and ears would have seen and heard. Most people
:03:02. > :03:06.think of landscape in a visual term, but we also wanted to think of it in
:03:07. > :03:11.acoustic terms. And this turns out to be an acoustic landscape.
:03:12. > :03:14.But it's not just a case of keeping quiet and listening, it's about the
:03:15. > :03:19.noises that Stone Age man might have made.
:03:20. > :03:32.I'll bring out my trusty hammer stone. Normally if you hit a rock it
:03:33. > :03:35.sounds something like that. THUD. But a percentage of the rocks here
:03:36. > :03:47.are what are called ringing rocks and here's one of them. RINGING
:03:48. > :03:51.SOUND. One of many ringing rocks up here on
:03:52. > :03:55.Carn Menyn. Want to give it go? That's incredible!
:03:56. > :03:58.Quite a lot of them here. Give it a good old...
:03:59. > :04:02.It sounds like a bell. Just like a bell. Lots of different
:04:03. > :04:05.tones. You could play a tune. In fact, we've had percussionists up
:04:06. > :04:11.here who've played proper percussion pieces off the rocks. It's rock
:04:12. > :04:15.music! RINGING SOUND. But how do we know that Stone Age
:04:16. > :04:17.man was aware that these bluestones rocked?
:04:18. > :04:22.There's a boundary along here, Neolithic walling that sealed off
:04:23. > :04:26.the neck of this promontory here. Now, as you hear some of these rocks
:04:27. > :04:28.are themselves ringers or potential ringers, so when Stone Age,
:04:29. > :04:39.Neolithic people built this boundary they must have been aware of the
:04:40. > :04:42.sounds the stones made. Beyond the wall there's yet more
:04:43. > :04:48.evidence of the link between the rocks of the Preseli Hills and the
:04:49. > :04:52.Bluestones of Stonehenge. Up here you see this jumble of
:04:53. > :04:54.fallen, broken rocks? This is probably a Neolithic quarry,
:04:55. > :04:59.actually the place where perhaps some of the Bluestones came from.
:05:00. > :05:04.And this rock here may have been intended to be a Bluestone to go to
:05:05. > :05:11.Stonehenge. So, if you like, a Stonehenge off
:05:12. > :05:14.cut? Sort of. For whatever reason it was
:05:15. > :05:18.abandoned. But we did a quick test of it and it's clearly a resonant
:05:19. > :05:20.rock. Paul and his team have tested
:05:21. > :05:23.literally thousands of rocks across these hills and have discovered
:05:24. > :05:28.hotspots, like this quarry, where up to 40% of them ring.
:05:29. > :05:31.Do you think they took the stones because they had this ringing
:05:32. > :05:34.quality? There had to be something special
:05:35. > :05:39.about these rocks. Why the hell would you take them from here all
:05:40. > :05:42.the way to Stonehenge? The one thing that hasn't been considered until
:05:43. > :05:48.now is the idea that sound might have been an important factor.
:05:49. > :05:51.So, for too long do you think we've concentrated on how Stonehenge looks
:05:52. > :05:55.and not how it sounds? Very much so. For so long
:05:56. > :05:59.archaeology has been a silent movie. Now we're looking for the
:06:00. > :06:02.soundtrack. But is the theory rock solid? Or
:06:03. > :06:07.will cracks appear when I put it to the test. RINGING SOUND.
:06:08. > :06:16.That's one. RINGING SOUND. That's another. There's two notes, two
:06:17. > :06:23.definite notes. RINGING SOUND. That one and... RINGING SOUND.
:06:24. > :06:36.I need one more chord and I can be Status Quo!
:06:37. > :06:54.We know Stone Age man brought rocks back from Carn Menyn. So I've
:06:55. > :06:59.brought back the sounds. Now this really is quite exciting.
:07:00. > :07:02.It's 7:30 in the morning and we're amongst the stones at Stonehenge and
:07:03. > :07:05.not only that but English Heritage have given us permission to sound
:07:06. > :07:08.the Bluestones. So I've got the sound equipment. Let's give it a go!
:07:09. > :07:11.Chances like this don't happen every day and Paul's co`investigator Jon
:07:12. > :07:13.Wozencroft and their team of advisors have jumped at the
:07:14. > :07:16.opportunity to test the stones for themselves. If the theory's right,
:07:17. > :07:22.if you hit Stonehenge it should sound similar to the rocks up the
:07:23. > :07:26.mountain. But hold on... They're set in the ground, some of
:07:27. > :07:28.them are set in concrete, so any sound they have, any resonance will
:07:29. > :07:36.be damped down. They'll be slightly muted. Now what
:07:37. > :07:41.about the protocol here? Can we just be whacking World Heritage sites?
:07:42. > :07:44.No, you certainly cannot. I'm a bit concerned. So for that very reason
:07:45. > :07:47.I've brought some plastic membranes so we don't actually directly hit
:07:48. > :07:59.the rock. Great! Let's give it a go, then.
:08:00. > :08:07.Nothing very special there. Oh, that's better!
:08:08. > :08:10.So this is, what, Stone 62? OK, well, I would think if this was a
:08:11. > :08:16.free stander or supported with air space all around that would probably
:08:17. > :08:18.ring. I tell you, there's something else interesting here are these
:08:19. > :08:24.marks, pieces have been knocked out ` look. They must have been detached
:08:25. > :08:28.by hammering at some time in the past. Now, they're not as old as the
:08:29. > :08:34.original working cos they've cut through that surface, but clearly
:08:35. > :08:37.they are of some antiquity. The fracturing qualities here are
:08:38. > :08:41.very different from the fracturing quality here ` it's quite clearly
:08:42. > :08:45.been tapped. So do you think it flaked because people could have
:08:46. > :08:50.been sounding the stone? It's possible. And it's in that segment
:08:51. > :08:53.where there's more resonance than at the top, isn't it? And this is the
:08:54. > :08:57.area where the chunks are missing. Where they've been hammering in the
:08:58. > :09:04.past. I never thought I'd say this, but
:09:05. > :09:09.let's go and hit more of Stonehenge. I think it might be this one, you
:09:10. > :09:11.know. Let's go and try this one as well.
:09:12. > :09:14.So, how might the ringing rocks theory strike a chord with what we
:09:15. > :09:17.already know of Stonehenge? We know Stonehenge is very special
:09:18. > :09:20.for all sorts of reasons, so it's quite likely that the stones had
:09:21. > :09:26.properties besides the obvious ones, the visual ones, so it's quite
:09:27. > :09:29.likely they had acoustic properties. This building, this site, is a
:09:30. > :09:32.theatre of performance where ritual is going on, symbolism is going on,
:09:33. > :09:35.astronomy ` all those important parts of a symbolic life is going on
:09:36. > :09:49.here, and sound and colour plays a vital role in how that building
:09:50. > :09:53.functions. The weak link in this whole story is
:09:54. > :09:56.the fact that they could have just brought stones that made funny
:09:57. > :10:04.noises by mistake. How do we know that they specifically said: "right,
:10:05. > :10:07.we'll have that one." We don't of course know that they
:10:08. > :10:11.moved them because they rang. What we can say is of course prehistoric
:10:12. > :10:14.attitudes to stone must have been very different to the sort of
:10:15. > :10:17.attitudes we have today. And we often think of stone as permanent,
:10:18. > :10:21.very long term, very inert, yet we talk about in a strange way as the
:10:22. > :10:25.living rock ` we talk about stone as if it's got a life to it. It's got a
:10:26. > :10:27.sort of presence in the landscape which is a little bit more than just
:10:28. > :10:31.a rock. You get sounds which are like bells,
:10:32. > :10:34.some of them are like bamboo, some like tin drums. Ringing rocks are a
:10:35. > :10:37.prominent part of many cultures. You could almost see them as a
:10:38. > :10:42.prehistoric glockenspiel, if you like. You would knock them and you
:10:43. > :10:45.would hear these tunes. The soundscapes of pre`history is
:10:46. > :10:47.something we're only just starting to explore.
:10:48. > :10:51.Oh yeah! There it is! That sounds good! That's really good, that one
:10:52. > :10:59.there. That sounds brilliant! I'm going to get my recording of Wales
:11:00. > :11:04.and we can compare them. So, with this we can play the sounds of Wales
:11:05. > :11:05.and if the theory is right and I can switch it on it should sound fairly
:11:06. > :11:18.similar. RINGING SOUND.
:11:19. > :11:23.You're getting resonance there that this stone can't give you.
:11:24. > :11:31.But you can hear... Oh, yeah. You know that it's in there, as it were.
:11:32. > :11:37.RINGING SOUND. That's a bell`tone. We know these have been re`set and
:11:38. > :11:40.they're not going to ring. Not only that, they've been set in the
:11:41. > :11:49.ground. These stones and that allowed them to resonate freely.
:11:50. > :11:54.These cannot resonate freely. Do one more.
:11:55. > :12:02.RINGING SOUND. It's that one, isn't it? That's the real... Here we are.
:12:03. > :12:17.We got the Bluestones of Wales and the Bluestones of Wales, and they
:12:18. > :12:22.both ring! Not so much Stonehenge and Tonehenge. Remember the time you
:12:23. > :12:27.could get a bank loan at the click of your fingers with hardly any
:12:28. > :12:33.questions asked. Could it be back then Laing banks would lend you
:12:34. > :12:40.money to invest in an international fraud?
:12:41. > :12:43.Doesn't make sense. Elizabeth Watson is about to lose her Bournemouth
:12:44. > :12:47.home. 13 years ago she went to the Bank of Scotland for a loan to
:12:48. > :12:50.invest in a scheme which promised high returns. She says she was told
:12:51. > :12:54.the scheme had the backing of senior people at the Bank of Scotland and
:12:55. > :13:00.the bank was keen to offer her ?345,000 secured against her house.
:13:01. > :13:05.But the investment turned out to be a huge fraud, and we think the bank
:13:06. > :13:11.should have known that at the time. I've become obsessed. The fight for
:13:12. > :13:18.justice is so enormous. I've been wrestling with the courts. I don't
:13:19. > :13:24.know how to put it in words, other than to say it's ruined my life. The
:13:25. > :13:29.biggest cost has been our health, our happiness, our family life. It's
:13:30. > :13:34.wrecked my business, it's wrecked my health, it's wrecked my marriage.
:13:35. > :13:38.It's been really, really tough. Really, really horrible.
:13:39. > :13:41.Liz applied for her loan before the global financial crisis, when banks
:13:42. > :13:45.seemed to want to lend money to practically anybody ` and there were
:13:46. > :13:50.big bonuses for those who brought in the most customers. Having made a
:13:51. > :13:53.trial investment, Liz says the conmen directed her to a Bank of
:13:54. > :13:59.Scotland manager, Fraser Mackay, so she could get a loan to invest more.
:14:00. > :14:02.Mr Mackay was so taken by the scheme he even invested funds of his own.
:14:03. > :14:06.Liz says his enthusiasm meant she got other family members involved.
:14:07. > :14:08.Do you feel bad about introducing your family members to the
:14:09. > :14:11.opportunities that were dangled in front of you?
:14:12. > :14:15.Terrible. I feel absolutely terrible about that. I was in such anguish
:14:16. > :14:24.over that I had a breakdown, I suppose. At the time, I couldn't
:14:25. > :14:29.function, I became a recluse. I wouldn't go out. I was crying all
:14:30. > :14:34.the time. I felt this terrible guilt, I felt this terrible burden.
:14:35. > :14:40.Regret, remorse? I didn't know how to put it right. Now, 13 years on,
:14:41. > :14:44.the bank is going after her home and that of her sister Rosemary. An aunt
:14:45. > :14:48.lost everything and Liz's parents lost their life savings. The whole
:14:49. > :14:54.family was cynically reeled in through a vulnerable daughter
:14:55. > :14:56.because of their apparent wealth. It's almost destroyed my husband
:14:57. > :15:00.because he can't believe that he was? could ever have done so foolish
:15:01. > :15:05.a thing, but then we just didn't know. It upsets me to see him upset.
:15:06. > :15:10.I'm trying to help my daughters, both of them. I've written to all
:15:11. > :15:14.sorts of people ` Theresa May, Mr Cameron, even the Queen, saying the
:15:15. > :15:26.way I feel about my two daughters in danger of losing their homes. It's
:15:27. > :15:33.something that I think any mother would empathise with.
:15:34. > :15:35.It all began with an accountancy firm formerly based in Nottingham
:15:36. > :15:38.and Leicester called Dobb White, whose partners Alan White and Shin
:15:39. > :15:44.Gangar targeted wealthy families with the promise of returns of up to
:15:45. > :15:47.160%. The pair got close to one of the
:15:48. > :15:49.managers of the Bank of Scotland, Fraser Mackay, offering him
:15:50. > :15:51.hospitality at champagne receptions and football matches, and
:15:52. > :15:58.introducing him to potential investors as the man who could sort
:15:59. > :16:01.out loans. There's NO suggestion Fraser Mackay knew it would turn out
:16:02. > :16:05.to be a fraudulent scheme, but there were plenty of signs that should
:16:06. > :16:07.have made him wary, not least the lies told and extraordinary returns
:16:08. > :16:15.promised by one of the fraudsters Shin Gangar.
:16:16. > :16:19.I mean, total temptation. He made it sound amazing. He said we can
:16:20. > :16:22.generate returns on a best efforts basis. The main thing is your
:16:23. > :16:25.capital is safe. He said it's risk free, and he made it sound
:16:26. > :16:28.watertight. He said that he had a fantastic new opportunity that was
:16:29. > :16:32.opening up a new area of the financial markets, and that he had
:16:33. > :16:35.the backing of Bank of Scotland, and he had a fantastic relationship with
:16:36. > :16:37.them at board level, and that he could arrange loans to invest in
:16:38. > :16:40.this special bond underwriting scheme that they were running. He
:16:41. > :16:58.showed me lots of references from high profile people.
:16:59. > :17:00.He showed me a contract with Andrew Lloyd Webber at the Really Useful
:17:01. > :17:03.Theatre group, saying that through the dividends and yields from this
:17:04. > :17:12.scheme that they'd enabled the funding of the Sunset Boulevard
:17:13. > :17:16.tour. I mean, it really impressed me, you know. He said if you weren't
:17:17. > :17:20.happy, all you had to do was give 30 days' notice ` and it's a no brainer
:17:21. > :17:22.` he said you can take your money out.
:17:23. > :17:25.By promising fantastic pay outs and using names like Andrew Lloyd Webber
:17:26. > :17:28.and David Frost, who had never been connected with the investment
:17:29. > :17:35.scheme, Shin Gangar set out to dazzle clients like Liz. The reason
:17:36. > :17:38.he was offering returns too good to be true was because he was a crook
:17:39. > :17:41.operating a fraudulent scheme which collapsed. He was sent to jail and
:17:42. > :17:44.the scheme's investors were left hundreds of thousands of pounds out
:17:45. > :17:52.of pocket. That isn't the half of it. Shin Gangar already had a
:17:53. > :17:54.criminal record, and his dodgy accountancy firm had long been
:17:55. > :17:57.banned by the Financial Services Authority from handling client
:17:58. > :18:00.money. Fraser Mackay and the Bank of Scotland should have known this but
:18:01. > :18:02.they didn't check. Financial journalist Ian Fraser is highly
:18:03. > :18:06.critical of the Bank of Scotland's actions, both in making loans to
:18:07. > :18:08.invest in what turned out to be a fraudulent scheme and in now
:18:09. > :18:23.pursuing numerous victims of the fraud for their homes. How would you
:18:24. > :18:27.characterise the way banks were lending in 2001 Insaid `` insane,
:18:28. > :18:33.they were lending to anyone with a pulse. They didn't care if there was
:18:34. > :18:38.fraud, if people made up the ininformation. Some banks including
:18:39. > :18:42.Bank of Scotland, they wanted to put the money out the door and they did
:18:43. > :18:46.not care about all the proper work that should go on round that,
:18:47. > :18:51.including authentication of dock yueps. The whole attitude was like
:18:52. > :18:58.the Wild West, we had almost like a Wild West situation, in UK banking,
:18:59. > :19:02.at that time: Controls, risk management, where credit checking, a
:19:03. > :19:06.lot of these things were inadequate, and you know, we are reaping the
:19:07. > :19:10.consequences of that. Let me put this to you, this is what
:19:11. > :19:13.the Bank of Scotland are saying about what happened they never
:19:14. > :19:18.endorsed the Dobb White scheme, all the loans they issued were according
:19:19. > :19:21.to the relevant processes The Bank of Scotland had an obsession with
:19:22. > :19:25.growth at that period, because it had just merged with Halifax and it
:19:26. > :19:30.wanted to rally grow its loan book and it was determined to be as big
:19:31. > :19:37.as other bank, like Barclays or HSBC, or RBS. And so it was going
:19:38. > :19:40.hell`for`leather as a lender, and it was lending in a reckless or
:19:41. > :19:44.cavalier manner, on the corporate side, which is to bids and on the
:19:45. > :19:48.retail side to individuals. It was so obsessed with growth, it lost
:19:49. > :19:55.sight of the fundamentals of banking, which are can the borrower
:19:56. > :19:59.pay the money back? One of the risk of taking out a loan secure against
:20:00. > :20:04.hurt your home is if you don't pay it back the bank can repossess your
:20:05. > :20:07.property. To protect homeowners from making decisions that could leave
:20:08. > :20:10.them homeless any leoparder has to be satisfied you have the means or
:20:11. > :20:14.capacity to pay back the money you are borrowing aside from the equity
:20:15. > :20:18.on your house. Under Fraser Mackay at the Bank of
:20:19. > :20:22.Scotland if 2001, the victims we have spoken to claim this was not
:20:23. > :20:25.being properly done. For many of them, their only real
:20:26. > :20:29.source of income was the returns from the Dobb White scheme.
:20:30. > :20:33.From what we have been able to find out, at least seven people lent
:20:34. > :20:37.money by the Bank of Scotland have had their homes repossessed is or
:20:38. > :20:42.been forced to sell them to avoid repossession. Others had to give the
:20:43. > :20:47.bank their life savings. To save their homes some signed a legally
:20:48. > :20:53.binding gagging order to stop them speaking out about how the bank has
:20:54. > :20:57.treated them. By talking to us anonymously these people could be
:20:58. > :21:00.breaking the gagging order but they realise staying silent means the
:21:01. > :21:05.story can't get out. Why did the Bank of Scotland lend you money? The
:21:06. > :21:09.only ground that was given to me was the grounds of the income from the
:21:10. > :21:13.Dobb White scheme, because I had no other income whatsoever. The bank
:21:14. > :21:17.knew that? Correct. Because if someone is going to offer you money,
:21:18. > :21:21.secured against your home as a loan, there has tb a certain source of
:21:22. > :21:24.income coming in? That is right. And that is what I was offered and that
:21:25. > :21:29.is what happened. Do you think you were being foolish?
:21:30. > :21:36.If you have a bank that is happy to fund you, and give you an unlimited
:21:37. > :21:41.credit card, happy to give you an overdraft, an extra loan, all on the
:21:42. > :21:48.basis of income from this particular scheme, why should I ask questions
:21:49. > :21:56.about the bank's knowledge? If they are happy, why shouldn't I be?
:21:57. > :22:00.When Shin Gangar's scheme collapsed more than ?100 million disappeared.
:22:01. > :22:03.Many people lost their live savings, only a fraction of cash was
:22:04. > :22:10.recovered. The whole world collapsed round us.
:22:11. > :22:16.We just saw a big black hole. Everything wefr had, all gone and
:22:17. > :22:21.lost. It was a matter of selling our house, selling our car. Selling
:22:22. > :22:27.everything we could lay hands on and trying to keep going.
:22:28. > :22:31.Having lent you the money for this fraudulent investment, what did the
:22:32. > :22:34.bank say when you lost everything? They wanted their money back, full
:22:35. > :22:40.stop. Absolutely, and the solicitors they put on to us, to repossess the
:22:41. > :22:47.house were very aggressive. How are things now? My credit status is
:22:48. > :22:51.zero. I am in a rented house. I am on state pension. With Pension
:22:52. > :22:57.Credit. Nothing left. The bank say first of
:22:58. > :23:01.all they did not recommend this Dobb White scheme, secondly, that the
:23:02. > :23:07.loans were eschewed correctly. And thirdly if their customers can't
:23:08. > :23:11.re`` repay their loans that is not their problem. So the bank is saying
:23:12. > :23:20.they are justified in seeking to evict these people from their homes.
:23:21. > :23:26.That is, you know, that is in my view wrong. They are in denial. They
:23:27. > :23:29.are trying to pretend that they have done absolutely nothing wrong. They
:23:30. > :23:31.are doing it in order to preserve value for their current
:23:32. > :23:35.shareholders. We have been in phone and written
:23:36. > :23:38.communication with the Bank of Scotland for months now, but they
:23:39. > :23:41.haven't answered questions such as whether it was right for their
:23:42. > :23:44.manager Fraser Mackay to accept hospitality from Shin Gangar and
:23:45. > :23:48.whether they were wear that the Dobb White firm was under investigation
:23:49. > :23:53.by the financial authority at the sign of the so`called investments.
:23:54. > :23:55.The Bank of Scotland have refused to give Inside Out and interview, I
:23:56. > :23:59.spoke to a representative who denied the bank gave customers any
:24:00. > :24:03.recommendations about the Dobb White scheme, he also said that all loans
:24:04. > :24:06.were issued in accordance with the relevance processes but refused to
:24:07. > :24:10.explain whey they were. `` what they were. You might think a
:24:11. > :24:15.fool and their Monday are easily parted. If something appears to be
:24:16. > :24:19.good to be true it usually is. This isn't some pub scam. Fraser Mackay
:24:20. > :24:22.was a senior manager at the Bank of Scotland. For the victims we spoke
:24:23. > :24:27.to, he was the face of the bank, and he was a figure of authority. His
:24:28. > :24:31.department's willingness to loan them money to invest in Dobb White
:24:32. > :24:36.was for them an endorsement of the scheme. Since retiring from the boss
:24:37. > :24:41.box, Mr Mackay has led an active life, jetting off to Marrakech,
:24:42. > :24:45.Moscow and Nepal and detailing his adventures on line. We tracked
:24:46. > :24:49.Fraser Mackay down. He was happy to chat to us at length off`the`record,
:24:50. > :24:54.and said Knight irhe nor the bank had done anything wrong. But he
:24:55. > :24:59.suddenly went quiet when he asked him to put his point of view on
:25:00. > :25:03.camera. We have had no joy from the phone calls or letters we have sent,
:25:04. > :25:06.so we will try the direct approach. I am heading to Chester where he
:25:07. > :25:09.retired to after he left the Bank of Scotland and we are going to see if
:25:10. > :25:15.we can get some answers. He told us he was back from his
:25:16. > :25:24.latest trip, so we waited for him to turn up. No response again. We have
:25:25. > :25:28.been buzzing his apartment for the last two days and there has been no
:25:29. > :25:33.sign of life in. So it looks like he has gone away or he has decided the
:25:34. > :25:37.lie low for a while. Our expert believes the refusal of
:25:38. > :25:42.anyone from the Bank of Scotland to properliance our questions fits a
:25:43. > :25:46.familiar pattern of behaviour. In this case and in almost every
:25:47. > :25:51.case I am aware of the banks never admit they have done anything wrong.
:25:52. > :25:58.Because they prefer to stone wall, they prefer to be in denial, they
:25:59. > :26:02.prefer to try to divide the victims, there is very strategies they and
:26:03. > :26:06.other banks have used over the year, the hope is if they just stone wall
:26:07. > :26:10.for long enough, the customers who have lost money will go away, die,
:26:11. > :26:15.commit suicide or whatever, so the bank won't have to pay anything
:26:16. > :26:22.back. It is just an astonishing, I am not, saying this particularly,
:26:23. > :26:27.the bank's behaviour has been abhorrent. Most banks have been
:26:28. > :26:30.behaved in an abhorrent manner. They haven't admitted they have done
:26:31. > :26:33.anything wrong. Some have admitted they have made mistakes but
:26:34. > :26:37.generally, they have been in a state of denial, believing they can carry
:26:38. > :26:43.on, behaving in more or less the same manner. The banks should be
:26:44. > :26:47.brought to task. A lot of them have spent, well they have ruined
:26:48. > :26:53.people's lives. I don't want, they have ruined our
:26:54. > :26:58.lives in the sense for 12 years we have had it round our heads, but I
:26:59. > :27:04.don't want to see both my daughters, who are still relatively young
:27:05. > :27:08.compared to me, loose their homes. They don't deserve to.
:27:09. > :27:11.But there has been some movement. Since Inside Out has been in contact
:27:12. > :27:16.with bank about this investigation, they have written to Liz offering to
:27:17. > :27:20.stop repossession proceedings but suggesting both parties it is down
:27:21. > :27:23.with an independent immediate Yao for to sort thingsous. We have been
:27:24. > :27:26.in contact with the Financial Conduct Authority, which has the
:27:27. > :27:30.power to issue multimillion pound fines to banks who break the rules,
:27:31. > :27:35.they have taken a keen interest what we have uncovered and promised to
:27:36. > :27:39.look closely at the evidence. Meanwhile, the Bank of Scotland
:27:40. > :27:44.continues to claim they did nothing wrong in depositing customer's money
:27:45. > :27:51.with an accountancy firm banned from taking it. Nor would they comment on
:27:52. > :27:54.whether Frick Fraser Mackay's contact with Shin Gangar make the
:27:55. > :27:58.scheme look he Egyptian mat. They make no apology for going off
:27:59. > :28:01.customers when the scheme collapsed. If you end up losing your home
:28:02. > :28:05.because you took out a loan you didn't have the means to repay, that
:28:06. > :28:16.is not the bank's problem. That is just business.
:28:17. > :28:19.Right, that is it for tonight, and indeed for the series, thanks for
:28:20. > :28:26.watching, and don't for get, if you have a story for us, do get in
:28:27. > :29:06.touch. We will see you later in the year.
:29:07. > :29:15.Hello. The 92nd update. The Oscar Pistorius trial has begun in South
:29:16. > :29:22.Africa. He pleaded not guilty to murdering his girlfriend at his home
:29:23. > :29:27.last year. A neighbour said she had terrible screams on the night.
:29:28. > :29:33.Russia sends more soldiers into Ukraine and will stay there until
:29:34. > :29:40.the crisis comes down. A corporal killed herself and her Wiltshire
:29:41. > :29:49.barracks, today a coroner said bullying and an alleged rape were
:29:50. > :29:50.two factors. A good night for the bit at the Oscars, Gravity won an