Fifteenth
century Parisian nobleman and moralist author Francois de la Rochefoucauld,
once said, “The glory of great men should always be measured by the means they
have used to acquire it” and while the parliamentary commission on banking standards continue
to haul HBOS’s infamous Lord
Stevenson, Sir James Crosby and Andy Hornby over luke warm coals my own attentions have once again
turned to the lengthy process of compiling my overvaluation case against
the Bank of Scotland.
Now in receipt of both the Financial Ombudsman Service's award of compensation for their mishandling of my case and their written assurances that my Bank of Scotland complaint will be, from now on, closely
monitored throughout its journey towards a swift and fair conclusion, I wrongly assumed it would be the Bank of Scotland themselves who would
initially respond to my accusations of mis-selling. However, according to their most recent
piece of correspondence it is to be Birmingham Midshires who are under instruction to take up the reins of my complaint and it is they who now
wish me to outline my concerns and indicate to them what I would consider to be a
favorable outcome.
A little shocked to find I am addressing yet
another group of individuals in my quest for justice, I am even more surprised
to discover that twenty one months after I first appealed to the FOS to
investigate my complaint, and almost four years since I originally
complained to HBOS, it is not only my adversaries who have undergone a transformation but my own approach to our circumstances has altered too. Whereas once I would have been elated to
receive a mere whisper of compassion and eternally
grateful at the suggestion of a stay of execution, after four excruciating years in HBOS induced financial purgatory my broadening education of all things bankster leaves me with no plans to plead
for debt forgiveness on compassionate grounds. Instead I recently wrote the
following in reply to Birmingham Midshires' request.
“You have asked me to give you an understanding of
what a satisfactory outcome would be for me. I have lost my home, my livelihood, my
financial future and my health and because of HBOS’s actions I have been
persecuted by debt collectors for four years. This has resulted in PSTS for both my
husband and I together with long standing depression, threats of suicide on my
husband’s part and in my case the complete loss of every hair on my body. My five children have had no
alternative but to stand by and watch my husband and I crumble while HBOS have,
for four very long years, showed no empathy, no understanding and would not
even allow us to cover our mortgage payments with rental income to preserve our
home for the future. As you
will now no doubt understand from what I have said, our losses are huge and
have extended far beyond mere financial redress.
Given the above, what would you consider a ‘suitable
outcome’?”
Francoise de la Rochefoucauld also said, “The principal point of cleverness is to know how to value things just as they deserve” and with this new found perspective firmly in mind I now await, with interest, Birmingham Midshires’ reply.
