One couple managed to do what many others only dream of doing. That is foreclosing on a bank. But how did that come about?

Now, the US repossessions system appears to be in a bit of a mess.

In the recent past there have been reports of home-owners being foreclosed on despite never being late with any home loan payments.

Now it’s gone one step further.

Maurenn Nuergers and her husband bought a house with cash.

But somehow Bank of America (BOA) chased them for payments on a mortgage they did not have. In fact BOA pressed so hard that it went to court.

The couple were easily able to prove to the satisfaction of the Collier Court judge that this was the case. The judge then rightfully ordered the bank to pay the couple’s legal fees.

But after five months the bank had not stumped up the readies. So they did exactly what the BOA had tried to do to them. They managed to seize the bank’s assets. They locked the manager out and gave instructions for desks, IT equipment, cabinets and even any cash in the place to be removed. Within an hour they had a cheque in their hands.

"They've ignored our calls, ignored our letters, legally this is the next step to get my clients compensated" lawyer Todd Allen told CBS. He also said that he had seen this often in court because the banks had not investigated the case fully beforehand.

"As a foreclosure defence attorney this is sweet justice" Todd Allen said.

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