Christof, the fictional allegory of the omnipotent programme maker in TheTruman Show once said, “If his was more than just a vague ambition, if [Truman] was absolutely determined to discover the truth, there’s no way we could prevent him” and as I enter my sixth year of battling with HBOS over my miss sold mortgage and its resulting £217,000 shortfall, I can not help but wonder if I too have unwittingly secured a leading role in my own real life reality show. If only a little more effort and absolute determination was all it would take to unearth the truth and nothing but the whole truth about the underwriting of my HBOS mortgage.
To date, despite my best efforts, I am still without copies of the mandatory compliance documents which should have accompanied the sale of my HBOS mortgage and all I have to show for my endeavours is yet another notch on my FOS complaints file as a result of the second complaint I have lodged, and won, against yet another biased and incompetent Financial Ombudsman adjudicator. However, I am delighted to report that my absolute determination to confront and overturn the FOS’s unfair ruling has rewarded me with the following:
· An investigation into the actions of the adjudicator who made the ruling in favour of HBOS without allowing me to submit further evidence
· An apology from the FOS adjudicator for repeatedly ignoring my emails over a period of three months
· A retraction of the unfair FOS ruling of November 2013
· An extension until 31 January 2014 to allow me time to submit my additional evidence
With a traumatic year and an unwelcome house move firmly behind me it appears absolute determination in 2014 has afforded me some more very welcome news. I am now in receipt of a very apologetic letter from HBOS stating a copy of my mortgage conveyance file is finally on its way as well as notification from the Information Commissioner's Office advising me HBOS is to be investigated for failing to supply me with the compliance documentation I requested under my DSAR a year ago.
Christof also said, “I am The Creator - of a television show that gives hope and joy and inspiration to millions” and while I can hardly describe my blog posts or my life as providing hope, joy or inspiration to millions, I, like the viewers of The Truman Show can’t help but be continually wondering, “How [and when] is it going to end?”
Here’s hoping 2014 turns out to be a happy and peaceful one for us all.