A couple and their two children were evicted from their home the Tuesday before Easter – their home loan just over $2000 in arrears.

Greg Saunders said he took out a loan for $255,801.05 with RAMS in 2007 to cover the full cost of a house in Branxton, about 60 kilometres north-west of Newcastle.

Having left home and school at 13½, he was working as a plant operator in the coal industry. He said he was injured at work in 2010 and laid off in 2011, forcing him to ask the bank for hardship provisions. Lately, he'd been working casual night shifts.

"I had got behind, I am not disputing that, but I had always made the payments up in the past, and clawed my way back square," Mr Saunders said.