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 was expected to drag on to 2017, nearly a decade after the bank’s collapse. It actually finished in 2020. 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.