The Maltese physician, inventor, author of Six Thinking Hats and the man who coined the term “lateral thinking”, Edward de Bono, once said, “Unhappiness is best defined as the difference between our talents and our expectations” and this has certainly proved the case for me in my fruitless attempts to get the Bank of Scotland to write off a mortgage shortfall their irresponsible lending culture, their gross incompetence and their rapacious greed created.
Throughout the past six unhappy years I have spent countless hours explaining;
- Neither my husband or I have anything more than a subsistence income with which to support our three children.
- Neither my husband or I have any capital with which to repay an alleged mortgage shortfall of £217,00,
- Like me, HBOS has been a victim of broker mortgage fraud and, as a result of the falsifications which were submitted by the broker in an online application, their mortgage contract with my husband and I is not only void but cannot be enforced.
- “We understand that this account is not in dispute”
- “There is no valid reason for it to remain unpaid”
- "We do not wish our request for payment “to have a detrimental impact on your personal finances”