[Livia]

I think - again , just my own opinion - the appeals process should be reinstated and run like this: one plea of mitigation, with a word limit, to be considered by admin. No other dialogue to be entered into, Admin's decision is final... and your ban/infraction can be increased or decreased.

Your home may be repossessed if you do not keep up repayments, terms and conditions apply.

Okay, not the last bit.