Article: West Bromwich `sold defective mortgages'

West Bromwich Building Society provided dangerous, risky and defective mortgages to unwary elderly borrowers - even though it was clear they could be left with mounting debts and little chance of repaying them, a court heard yesterday. Andrew Verity reports.

Months after being warned by regulators that the mortgages were dangerous, West Bromwich went on selling them to hundreds of vulnerable customers, the High Court heard.

The Investors Compensation Scheme is suing West Bromwich for at least pounds 35m over the sale of Home Income Plans (HIPs) to 750 borrowers. The plans offered the prospect of a lifetime income and lump sum by releasing the equity in the house. Two groups of investors, ...

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