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He joined Lloyd's in 1987; he never received a cheque, but instead was given losses of £240,000. He had specifically asked for "safe" syndicates. Instead he was put on Gooda Walker 290 and Evennett 1035 LMS syndicates, Sturge 210 (asbestosis) and Marchant 282, a personal stop loss syndicate. Major Bruce paid up until no money was left, he scraped up his last savings and just managed to pay the Gooda Walker and Sturge litigation subscriptions. R & R then took away Major Bruce's litigation winnings and gave no allowance for his earlier payments. Major and Mrs Bruce live in a converted coach house in Blofield near Norwich. He had to go to Lloyd's Hardship Committee in 1995. Lloyd's then held ownership of half the house (the other half belonging to Mrs Bruce), but allowed nothing for income.
Soon after the hardship deal, the increasing realisation by Major Bruce of his plight of too little income to live on brought on a massive stoke. He could not talk, care for himself, move out of a chair, and had to be lifted everywhere. Mrs Bruce had a bad hip and a bad heart. Respite Care to give her a break cost £380 a week but is not affordable. Mrs Bruce managed to pay £75 a week for help in lifting every day, etc., but feared she could not keep paying that amount. She wanted to move to Surrey to be nearer their three daughters. However, Lloyd's wanted to take half the value of the house in Norfolk as soon as they sold that house, so there would be no money to buy a house in more expensive Surrey and insufficient income to rent. Also Surrey County Council provided even less assistance for severely disabled people than Norfolk County Council and would not welcome incoming disabled dependant on the County.
