In recognising how hard it is to change oneself it should be easier to understand what little chance there is of changing others. However, this said, should an observation of this nature apply to the perspective of a whole bank and all those employed within it? Is it feasible for one biligerent school of thought to extend, with infectious brainwashing tentacles, into the consciousness of all those individuals commissioned do the Bank of Scotland’s bidding. Is it really possible for an unpleasant mind set on such a scale to be alive and well in the minds of every individual in a company so large?Today, within the walls of the Bank of Scotland, I am convinced it is.
Despite the numerous letters I have written requesting I be advised be of their instruction to debt collecting solicitors Merrils Ede’s, Bank of Scotland's reply has not been forthcoming. Although Merrils Ede solicitors know, through our representative at the Citizen’s Advice Bureau, I am unlikely ever to be in a position to repay any of our creditors, still they persist with their campaign of persecution with the Bank of Scotland’s blessing.
Today the postman brought a threat from Merrils Ede to start legal and bankruptcy proceedings if they do not hear from me within 10 days. They wish me to provide yet more financial evidence to prove I still don’t have any money. It is clear the full financial fact find, certified by the CAB, and repeatedly sent to them has clearly proven insufficient again. Regardless of the fact the Office of Fair Trading state this kind of harassment is contrary to their guidelines, the henchwoman at Merrils Ede continues with her crusade to uncover my "undeclared wealth". On their website they proudly state their debt collecting services regard money owed "like their own" and it goes on to say they pursue “can’t pay’s” in the same way as” won’t pays”. I can certainly endorse this behaviour as the solicitor assigned to my case refuses to accept having no money is a good enough reason for not making a payment arrangement.
The fact Merrils Ede has been made aware, on numerous occasions, our £217,000 shortfall is unrecoverable appears to be irrelevant. I am now being pursued by them because the CAB recently told them a great many of our creditors have written off and continue to write of our debts on the basis of hardship and compassion. The CAB did this in an effort to persuade the Bank of Scotland to follow suit, however, using only Rottweiler reasoning, the Merrils Ede henchwoman believes debts being forgiven must have resulted in some additional disposable income for her to direct into the Bank of Scotland's and Merrils Ede’s coffers.
I ask myself , “Is it really so hard to understand the reason so many of our debts have been forgiven is not because we have been paying anyone, but because we have been unable, and continue to be unable, to make any payments to any of our creditors?” How can having a sum written off in these circumstances leaves anything more in the budget for Rottweiler’s incorporated?
This logicless pursuit is undoubtedly a breach of any number of OFT and Ombudsman guidelines and the ongoing bombardment of menacing letters from the Bank of Scotland’s legal representative is yet another source of agitation in a life full of financial instability and pressure. Moreover, Ms Rottweiler's refusal to believe my unredeemable financial position, is nothing short of insulting.
Tonight, however, I plan to take solace in the words of Pope John XXIII and tomorrow....... well tomorrow, as with every day, I plan to fight back.
"Consult not your fears but your hopes and your dreams. Think not about your frustrations, but about your unfulfilled potential. Concern yourself not with what you tried and failed in, but with what it is still possible for you to do. "- Pope John XXIII