Bendigo and Adelaide Bank filed legal claims against a select group of investors in the tax-effective forestry schemes managed by Great Southern, the Financial Review reported. Only three investors received writs, filed in December, but hundreds more may yet do so.Some orrowers from the bank who invested in the scheme have adopted the view that they do not need to repay their loans (and which are generating no income). The receivers of Great Southern have began selling the assets, but which leaves the liability on investors to meet their obligations to the bank unaffected.In August 2009, the last time Bendigo disclosed this data, it said that about 18.2 per cent of loans by borrower (or 1492 loans in all) and 21.6 per cent by value ($120 million) were in arrears, though this may have moderated over recent months.