Were shared appreciation mortgages sold unfairly?

BBC Inside Out investigates the banks that sold mortgages to pensioners which they say has left them trapped in their homes.

Shared appreciation mortgages were offered by Barclays and the Bank of Scotland between 1996 and 1998, but campaigners say these products should never have been sold to thousands of people.

Nick Wallis meets Brian Dawtrey from the New Forest who took out one of these mortgages from the Bank of Scotland in 1998.

The bank lent him 25% of the value of his property, but today it owns 59% of his bungalow - a figure that will grow as Brian's property goes up in value.

Dr Julian Lewis, MP for New Forest East, believes the scheme was unfair and should never have been issued.

Barclays and the Bank of Scotland refused to be interviewed but denied breaching the Banking Code. They claimed they had strongly advised all customers to get independent advice before signing up to the scheme.

Inside Out South is broadcast on BBC One on Monday 8, September at 20:00 BST and nationwide on the iPlayer for seven days thereafter.