IMO its mainly bull to assist fee earning business for solicitors but I don't believe there would be that type criminal behavior from banks unless some brokers or legal representatives were involved along the way. Aggrieved borrowers have had a good time spilling bull in RC but now the real facts will start to reveal and catch out the bull presented at RC by the alleged victims. Usually they use standard documents anyway. Which documents were changed? Borrowers who live in glass houses should not throw stones lol
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