Just wanted to get some views on whether anyone knows if banks as owners of mortgaged properties are liable for loss in value. There is constant coverage about how much mortgages holders are in arrears and are liable for the balance if they sell their negative equity properties. I wonder when blanket guarantees for losses covers bond holders, was there not thought for negative equity properties which were mortgaged. The whole responsibility seems to sit with customers of the bank, regardless of non regulation and reckless lending policies. 100% mortgages and forcasting rising house prices in order to approve topup loans was a dangerous and irresponsible practice within the banking industry. Surley if investigations on lending activity and breach of regulations, banks should be forced to take responsiblity. The shoulder of blame needs to be refocused and not put on people who bought family homes.