The property owner had an endowment mortgage with the bank and when it came to paying out, to pay off the mortgage, the bank said it had lost the policy. The banking ombudsman stood bye and did nothing to help him.
Watch incredible moment 200 strangers stop bailiffs from evicting cancer patient from his home.
Tom Crawford, 63, posted a desperate video on YouTube and promised well-wishers a 'lovely cup of tea' if they joined his peaceful protest
Hundreds turned up to stop the eviction of Tom Crawford
Hundreds of Facebook users from across the UK formed a vigilante ‘flash-mob’ to stop a frail cancer patient being evicted from his bungalow.
More than 200 strangers descended on the quiet cul-de-sac after Tom Crawford, 63, issued a desperate online plea for help.
He promised well-wishers a “lovely cup of tea” if they joined his protest against being booted out of the home where he has lived for 25 years.
Tom, who posted a video on YouTube asking for help, was astonished when hundreds of Facebook users answered his ‘call to arms’.
People from as far afield as Wales and Newcastle travelled to his smart three-bedroom bungalow in Nottingham after learning of his plight.
And when bailiffs turned up yesterday afternoon they were forced to leave empty-handed - because they could not get past the crowd.
Emotional Tom said: “I can’t believe that people have come from all over the country to support me. It’s really overwhelming and I really didn’t expect it.
“This is something I feel very passionate about - I’ve been here more than 25 years and have brought three children up here. I’ve worked hard all my life.”
Tom Crawford's Youtube appeal for help to prevent being evicted from his home
Tom has been embroiled in a five-year legal battle with now-defunct building society Bradford and Bingley over a disputed mortgage.
He claims he paid off his loan but bailiffs say he still owes £43,000 in repayments and want to seize his home.
Earlier this year a judge ruled against Tom and ordered him to pay off his mortgage by 9am on Wednesday or face a forced eviction.
In a desperate bid to keep his home, the retired flooring specialist made a heartfelt video explaining his predicament and posted it on YouTube.
In the 11-minute clip, the father-of-three, who is battling prostate cancer, said: “Please come and help us, there will be a lovely cup of tea waiting for you.
“But don’t use violence, they are the ones who use violence. This is a war, for the people. It may only be a small bungalow, but it is my bungalow, my land, my home.”
Tom and his wife Susan, 54, took out an endowment mortgage with the bank to buy the bungalow for £41,800 in 1988.
They paid £300-£00 in monthly mortgage repayments and expected to own the property when the mortgage came to an end last year.
Tom Crawford appealed on You Tube for help from members of the public to prevent him being evicted from his home
But he claims the bank told him in 2007 that he would never pay off his mortgage because there was no record of him taking out the endowment mortgage.
He then says a bank manager assured him this was incorrect and even sent his wife champagne to apologise.
But soon he was embroiled in a court battle over the mortgage, which he says the bank converted into an interest only loan without his knowledge.
The grandfather-of-two added: “That endowment was like an insurance policy that would cover the lump sum at the end of the mortgage.
“Now they say they cannot find a record of the endowment, they have lost it somewhere, they won’t even let me see the deeds to the house.
“I complained to the ombudsman, but they said there was nothing they could do as my claim was date restricted.
“This has been a huge battle for me and at times I’ve felt like no one wanted to help us.
“But this shows there are people out there who feel the same way and it has been very emotional to talk to all the people who have come to show support.
“As far as I’m concerned, I have paid my mortgage and I won’t pay a penny more.
“When I was diagnosed with cancer the surgeons made mistakes and left me needing six operations to fix what they did.
“In that time I couldn’t work, my wife had to work three jobs to cover it and we got into arrears on the mortgage.
“They tried to repossess the house then, but we paid back and caught up and everything should have been ok.
“Now they are putting us through hell and something needs to be done about it, they can’t keep getting away with this.”
Supporters who went to help Mr Crawford are pictured in the street
Supporter Andrew Southard said he had been so touched by Tom’s plight that he drove nearly 100 miles from him home in Bedford to help.
The 51-year-old said: “I watched the video and the way Tom talked about the story just touched me. Personally, I think this is an injustice.
“When something moves people to actually take days off and travel a long distance to try and help, it’s incredible. It just shows the strength of feeling.”
Peter Smith felt the same, and made a 230-mile round trip from Newtown, in Wales, to join the protest.
The 72-year-old said: “When I heard about Tom’s case, I knew straight away I wanted to help. The family have been living in a constant state of worry.
“Anyone could be a victim of this type of thing; it’s important to fight the system.”
Tom’s daughter Amanda Pike, who helped spread the word on Facebook, said: “It’s been heartbreaking and it’s taken years off my family.
“But it’s been amazing to see the support from people all over the country. We thought we might get 20 or so coming along but to see all these people gas been phenomenal.
“This was a last-ditch attempt and we have no idea what will happen now but we had to try something.”
Bradford and Bingley was nationalised in 2008 during the financial crisis.
The main banking section was sold to Abbey National while existing mortgages remained in public control.
Mortgages are now collected by UK Asset Resolution Limited, which was set up by the Government.
UK Asset Resolution Limited, on behalf of Bradford and Bingley, today confirmed the eviction did not take place due to safety concerns.
Who then are ukar Ltd
Government-owned bad bank UK Asset Resolution repays £8bn of funding
UKAR – which united parts of Northern Rock and Bradford & Bingley – channels payments made by mortgage customers
Richard Banks, chief executive of UKAR. Photograph: Christopher Thomond for the Guardian Christopher Thomond/Guardian
The government-owned "bad bank" that unites the nationalised parts of Northern Rockand Bradford & Bingley has now repaid £8.3bn of government funding since it was formed in October 2010. It owed £48.7bn when it was created.
The sum includes the £1.7bn repaid in the three months to the end of September by UK Asset Resolution (UKAR), which makes payments to the government as customers of the two bailed-out banks repay their mortgages.
Richard Banks, chief executive of UKAR, said some customers were facing financial difficulty and that it had contacted more than 20,000 customers with interest-only mortgages to establish if they have strategies to repay their home loans.
Banks is also contacting customers to ensure they are prepared for any potential rises in interest rates from their historic low levels.
Banks does not expect UKAR to make a profit from running the government's Help to Buy mortgage guarantee scheme and expects to deploy about 20 staff to review applications by potential borrowers.
UKAR employs about 2,000 and reported a 15% rise in nine-month profits to £856m as the number of customers in arrears fell and the bad debt charge reduced. Mortgage customers three or more months in arrears fell by 11%