The fact that people who lose their homes through repossession are being asked to make good the shortfall dipicts the injustices in our society as a whole. In other nations when banks lend against physical assets and when the assets are taken over as result of financial difficulties that is the end of the matter like my dear friend stated in the US we have similar system. What we see in the U.K because is this system of asking borrowers to make good the short fall. Lenders have in many ways acted irresponsibly and it is high time we asked for the change in the law.