I was a depositor with the Derbyshire Building Society (IOM), taken over by Kaupthing Singer Friedlander Isle of Man (KSFIOM) in December 2007. This deposit consisted of my savings, the proceeds of a property sale and some money I had inherited. This deposit disappeared when the FSC withdrew the bank’s licence on the 9th of October 2008. I went from being moderately well off to having virtually nothing overnight. I have been subjected to a lengthy liquidation process and so far have only received 95.8% of my money back. The liquidation process is expected to drag on to 2017, nearly a decade after the bank’s collapse. In the unlikely event someone is jailed for their part in the collapse of Kaupthing the liquidation period will probably be longer than a prison sentence for white collar crime.