Government and the Sefton Group were 'contradicted' over the severity of the group's position before it was bailed out by the taxpayer.
Outgoing chairman Sir Miles Walker says there was a difference of opinion admitting that although times were difficult the group wasn't on the brink of bankruptcy.
Government's decision to offer a multi-million pound rescue package didn't find favour with everyone - he says he believes it should have been kept private:
In a turnaround yesterday the group announced it had recorded a £10.3 million profit for the last financial year - Sir Miles says he can now understand the public's reaction:
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