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    Lloyds insiders still argue many of the victims of HBOS Reading – a unit meant to help distressed firms across the South of England – were going bust anyway.It has offered settlements to a number of entrepreneurs, but so far these have not been for losses, but for what bankers call ‘D&I’.When he and his brothers were finally able to leave their homes, a grim sight awaited them.Their herd had gone, but the bodies of more than 100 foetuses lay on the floors of the barns.Others told me they lost their firms after their bank ‘sold on’ their debts to third parties without their knowledge.Paul Kanolik, a senior associate at Ellis Jones Solicitors who has dealt with more than 100 cases, said he has heard ‘heart-wrenching’ stories from people who ‘have had their personal and business lives absolutely devastated’.Pregnant cows – so traumatised by being herded away – had lost their calves.The Morgans believe the stress caused one brother, David, to miss hospital appointments that could have meant his cancer was better treated.‘He fought till the day he died, and he died in abject misery,’ Nigel says, in the house where David’s widow Jane still lives.

    Nigel Morgan is still brought to tears by the memory of that day when his cattle were driven away.Those who have turned to him include hoteliers, property developers, manufacturers and entrepreneurs.‘Most have lost businesses which they spent a significant proportion of their lives building, with many being made bankrupt,’ he says.‘The distress this has caused has resulted in severe medical conditions such as heart attacks, depression and anxiety.A picture of his late brother stands next to the kitchen table.‘All the money in the world won’t put it right.’Behind their grief lies fury at former HBOS banker Lynden Scourfield, one of the men jailed this year, who had been blackmailing David, demanding a 10 per cent share of a £100,000-a-month deal to supply beef to restaurant chain Smollensky’s, threatening the loss of the farm if he refused.

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