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The Turners, who had approached HBOS for a small loan to fund their music publishing company in 2003, found themselves caught up in a web of excessive payments, unfulfilled promises and a spiralling overdraft.It crippled not only their business but their family life.But for Nikki Turner this was no Hollywood film script. And when the mother of two finally tracked down Lynden Scourfield – one of the fraudsters who had ruined her life – she was given a shocking insight into their shamelessness.‘We’d been trying to get through to him for days and I finally got him one evening at 6.30pm,’ she recalls.‘He picked up the phone and told me he was in a hotel in Birmingham and he’d just got out of the shower. “I’ve just got a towel on.” It was so inappropriate; I didn’t know what to say.’Mrs Turner, 61, and her husband Paul, 66, were among the many victims whose lives were torn apart by the scam instigated by senior bankers at the Halifax Bank of Scotland from 2003 until 2007, shortly before it was rescued by Lloyds and saved by a £20.5billion taxpayer bailout.

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