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The plight of pensioners still paying a mortgage

Analysis: The gales were the final blow. Ray Nichols sat in her semi-detached house on the shores of the Firth of Clyde and listened as the winds battered and twisted her home�s ageing steel-framed windows.

The gales were the final blow. Ray Nichols sat in her semi-detached house on the shores of the Firth of Clyde and listened as the winds battered and twisted her home's ageing steel-framed windows.