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Hello,
i am attempting to help my parents with their claim against Barclays that they missold them their mortgage (they were told that they needn't worry about their endownment not maturing to the amount they were advises and that "The only thing you should worry about is what to spend the excess on"), Barclays claimed that they had sent my parents warning letters that the endownment wasn't going to make what it supposed to but my parents are absolutely adamant that they didn't receive the letters(their post is often patchy due to them living in a rural area where their 'postbox' for receiving letters is 200yards away up a drive) so my parents argued their case against Barclays, Barclays wouldn't budge so.....and the next bit is the grey area.....my mum thinks she remembers that the 'case' went to the Ombudsman and he ruled in favour of Barclays but i am/was pretty sure that the case goes to an 'adjudicator' and then, if the claimant is unhappy with his decision, goes to the ombudsman?
Am i right, and that my parents actually only went to the adjudiactor?
(My parents are hopefully finding this out on friday but id like to know if that process is actually 'adjudicator then ombudsman'?)
Many thanks in advance!!
hi and thanks for that! I wonder if it is as i imagine that the Ombudsman rarely rules against an adjudicator?? Has anyone got an opinion on this please?
Hi,
My parents' have had their endownment miselling claim turned down by the Adjudicator due to the fact that they are time barred. My mother explained that quite often we dont receive the the correct post for our rural address in the hills of Wales but didn't go into detail, the adjudicator turned down their claim as Barclays 'word' that they sent two letters (one in 2001 and one in 2005) is apparently good enough! Now, i am writing to the adjudicator again, on their behalf, but this time clarifying the following points regarding the postal probl;ems we suffer:
There are 25 addresses that share our post code
There are four extremely similar farm names to ours in the vicinity that share our post code, by this i mean that our farm name is 3 words and the other four farms all use at least one word from our address
I have at least two neighbours willing to make sworn statements that they have regularly received letters meant for my family, as have we received post meant for them.
Unbelievably(and i swear this is true), even today we have received a letter for a completely different name and address in our village
Do you think there is a possibility that these points may help the adjudicator look at my parents' case?
Ps- how relevant is it that my dad was unemployed through long term sickness when sold the endownment and that the salesman didn't ask by what means my dad would pay off any excess remaining moneys owing on the mortgage and that it was due to mature after my dad had turned 65?
Endownment missold-Adjudicator or ombudsman?
that they missold them their mortgage (they were told that they needn't worry about their endownment not maturing to the amount they were advises and that "The only thing you should worry about is what to spend the excess on"), Barclays claimed that they had sent my parents warning letters that the endownment wasn't going to make what it supposed to but my parents are absolutely adamant that they didn't receive the letters(their post is often patchy due to them living in a rural area where their 'postbox' for receiving letters is 200yards away up a drive) so my parents argued their case against Barclays, Barclays wouldn't budge so.....and the next bit is the grey area.....my mum thinks she remembers that the 'case' went to the Ombudsman
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