Introduction                   

1. Summaries

1.1 One Paragraph

1.2 One Page

2. Family History

2.1 Parents

2.2 As a boy

2.3 Death in family

3. Demutualisation

3.1 Share offers

3.2 Halifax advice

3.3 Application

3.4 Stonewalling

3.5 Rejection

4. Appeal

4.1 Letters

4.2 Court Case

4.3 1999 AGM

4.4 2000 AGM

4.5 Case Review

4.6 Conclusion

5. Other Sites

5.1 UNHAV

5.2 ASA Complaints

5.3 FSO

5.4 Other Sites 

6. Press

6.1 Daily Telegraph

6.2 The Express

6.3 The Times

6.4 Other

7. Halifax/HBOS

7.1 About HBOS   

7.2 Group Sites

7.3 Personnel

7.4 Halifax Virus

7.5 Other