Thursday, 11 July 2013

Adverse Effects

Former US Ambassador to Spain and nineteenth century author Washington Irving once said, “There is, in every true woman’s heart, a spark of heavenly fire which lies dormant in the broad daylight of prosperity but which kindles up and beams and blazes in the dark hour of adversity” and in the face of further obstacles of my own, kindling up and blazing with heavenly fire seems the only way forward.

During the past month I have been advised by our land lord,

  • He wishes to carry out building works on a neighbouring property which will necessitate the decimation of our back garden throughout July and August.
  • He is switching our central heating system to that of sustainable fuel in two months during which time he expects us to use up all the LPG and oil we have already purchased for next winter
  • Our residential tenancy is in jeopardy because, not only have we enjoyed a very low rent for the past four years but, despite having been given permission to have lodgers at outset, we are technically in breach of our lease.

During the past fortnight I have been advised by the HBOS data subject access team,

  • Their mortgage department is not responding to their requests for the information missing from my mortgage file
  • Their in house solicitors are proving impossible to contact
  • Their in house surveyors have ignored all their requests to communicate


During the past week I have repeatedly advised my twelve year old dyslexic son,
  • Being repeatedly punched, scratched and sworn at by two of his classmates while on their five day French trip is a serious offence.
  • The cuts and bruises he has suffered will soon heal and neither show or hurt
  • Reporting bullies is always the right thing to do despite the discomfort from the fallout.

Ancient Greek philosopher and teacher Epicurus once said, “You don’t develop courage by being happy in your relationships every day. You develop it by surviving difficult and challenging adversity” and it is at times like these I can only hope he is right!


  1. What a ghastly confluence of events Caroline. Perhaps the most sinister is the conduct of your son's school. They need the full verbal evisceration and you need a profound apology and some kind of undertaking that they will show a proper standard of care in future.

    As for HBOS - no surprises there but telling you they can't get a response is plainly ridiculous as unlike you the enquiry is being handled 'inside the tent'.

    Quite how you deal with the landlord is another matter as there may be an implied variation to the contract in respect of your lodger. As for the oil - you can probably sell it. Try some of the local heating oil sellers as they must deal with events when oil users convert to other fuels and owners need/require the tank removed.


    1. Thanks for your sympathy and welcome advice.
      As far as HBOS concerned just waiting for FOS to complain at my tardiness and then will then hit them with HBOS's comments, some of which I have in writing. Doesn't help reach any resolution though.
      On subject of landlord(old codger taking advice form renewable energy salesman, solicitor and letting agent none of which could previously find a tenants previously for him for more than 6 months in every twelve in all their years of letting the decaying monster of a house)am planning a conversation along lines of is ain't broke don't fix it... but could do without the hassle.
      Sadly its the £1066 pounds of LPG which is the biggest headache. Calor will not repurchase...hey ho. This is why I must negotiate rather than jump ship.
      Finally staff responsible for my sons safety in France in tears at what happened to my son on their watch and profusely apologetic to us all. Thankfully boys responsible named, shamed and still receiving their punishment of exclusion. However, that said, it has been a dreadful experience for my son and my hearty bleeds for him.
      Thanks again for taking the time to comment.