'I'll accept the buy-back proposal, which will allow me get back 60 per cent to 70 per cent of the principal, because I need the money. My health is not very good as I had a stroke before and need money to see the doctor. I want this to come to an end and I'm afraid if it drags on, I'll not be able to get a cent' Mr Chan, a 61-year-old retiree, who with his wife spent HK$760,000 on Nanyang Commercial Bank minibonds 'It will only cost the banks over HK$10 billion for them to pay us back all our investments. They will not collapse [after the refund]. The bank has full responsibility ... and the government should pressure them to do so.' Mr Choy, who bought HK$1.53 million worth of minibonds from Citibank 'We get a refund if we buy tainted milk. We bought 'tainted' minibonds so why can't the government use public money in this case? Both the government and the bank are responsible for giving us a full refund [of our investment] ... And the buy-back proposal does not include those who bought related equity-linked notes' Simon Chow Kin-lun, who invested HK$1.5 million in equity-linked notes at Standard Chartered Bank 'I must get a full refund ... It's the bank who chose Lehman Brothers, not me, so you [the bank] have to take the responsibility ... we're not the ones to blame' Iva Cheung, Citibank minibond client