Richard Hardy, 55, accused of mortgage fraud | This is Gloucestershire

Richard Hardy, 55, accused of mortgage fraud | This is Gloucestershire:

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"I cashed in the £18,000 endowment we had. I have stolen all the girls' money, always thinking I could turn things around."

Mr Steen said that in another "to whom it may concern", Hardy wrote "I wish to make it clear that I have falsely run up huge debts and incurred adverse credit and court judgements in my wife's name in order to feed my gambling habit with IG Index Ltd, to whom I have lost about £1.5million.