Thursday, 7 August 2014

Truth and Understanding

Fourteenth century Italian physicist, mathematician, engineer, astronomer and philosopher Galileo Galilei once said, "All truths are easy to understand once they are discovered: the point is to discover them” and although discovering the truth about my Bank of Scotland mortgage has consumed my life for the best part of six years, understanding what the truth actually adds up to has only come to light during the past week.

Since the Bank of Scotland secured a court order to repossess my home in November 2008, disposed of it at a knockdown price in April 2009 leaving me with a £217,000 shortfall and then flatly refused to consider our circumstances or discuss their breaches in best practice, I have been kept  very busy.

I have;
  • Written countless letters to the FSA, the SRA, the FOS, the ICO, the Bank of Scotland, their debt collectors and the Bank of Scotland's CEO's Eric Daniels and Antonio Horta Osorio.
  • Scoured FB, twitter and the newspapers for both information and expertise
  • Used my 180 Life after Debt blog posts to find other individuals who have suffered at the hands of HBOS and in doing so secured more expertise
  • Compiled five lever arch files of evidence and information to support my case of complaint
This week, armed with all of the above, I have finally presented my findings to the police and, as a result of three phone calls to and from Action Fraud and the hour long telephone interview I gave, I have now been told the following;
  • The crime I have reported is to be taken forward as an “Abuse of a position of trust”
  • My mortgage application, which was falsified by a third party, ticks every box for mortgage fraud
  • As a result of my report, I must contact the Bank of Scotland once again.
To this end I wrote the following;

Dear Mr *******,

Mortgage Account No. ********-*/***/***
Crime Reference No.XXXX**********

Although you expressly stated in your letter of 24 July, “Any attempt to contact the Bank Of Scotland Plc (Halifax Division) regarding the above account will result in you being referred straight back to drysdenfairfax solicitors” , I have been asked by the police to advise the Bank of Scotland of the crime reference number I have been given for the mortgage fraud  I have reported to the National Fraud Intelligence Bureau (see above) and make the bank aware that it has also been the victim of the same mortgage fraud so it can file a report with Action Fraud as soon as possible.

Yours sincerely

In addition, I am reliably informed that having a crime number will encourage an altogether different reaction to the one the Bank of Scotland has seen fit to mete out to me in the past. Furthermore, my much valued FB friends and Twitter followers expertise, combined with a few legal opinions a little closer to home, suggest the unlawful repossession of an individual’s home and a comprehensive paper trail to boot is pretty solid ground from which to pursue compensation.

Widely regarded as one of the greatest wartime leaders of the twentieth century, UK Prime Minister Winston Churchill, once said, “The truth is incontrovertible. Malice may attack it, ignorance may deride it, but in the end, there it is,” and, after six arduous years of searching for the truth, the Bank of Scotland boot  finally appears to be on the other foot and what's more,

The foot appears to be mine!


  1. This is good news. You might get some justice now. Well done.

    1. Thanks for your kind words. My next challenge is to find a legal practice which is prepared to take the case. Easier said than done!

  2. Well done, looks like you are now getting somewhere! I am so pleased.


    1. A result which has come about largely due to your much valued expertise and guidance. A very big thank you to you Rowan!