A pensioner is locked in a battle with her bank and is sleeping in her car after she lost her house and possessions in a devastating house fire.

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Kristine Begg's home in Port Macquarie on the NSW Mid North Coast went up in flames on September 5, leaving her truly "heartbroken".

Kristine Begg (left), and the remains of Ms Begg's house (right). Picture Supplied/ 7News

Ms Begg purchased the home 31 years ago and had spent decades renovating it in what she described to ACM as a "labour of love".

"My heart is shattered," she said.

Commonwealth Bank refuses to help

Ms Begg had $94,000

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