Hi just an update, that I am no further along with our problems and have had the final insult by having our house repossesed by Barclays this Tuesday. We have deided to both take siege in the property until someone listens to the facts and sorts out this sorry mess once and for all, to be honest this is the 1st time we been excited about anything in years, quite looking forward to hanging a BARCLAYS banner out the window and getting some attention

Hi Slick thank you so much for the reply and info, I will be telephoning F/O tomorrow and will post results. I'm gutted I didn't come here sooner everyone is so thoughtful... It makes a refreshing change. With regard to confusion in my post, I don't have paperwork to hand as until morning, but as I remember it.. All paperwork/letters I had sent in over the 18mths was returned in Sept 08, Until that point it had been with the Adjudicator that sorted L&G and I guess when she had finished with it, it was returned to me as the case with L&G was resolved. I believed that a lot of the imformation would be needed by the 2nd Adjudicator who was dealing with the Barclays side of things so sent it back addressed to him. Now they either sent the whole lot back or else they sent a request for further info from me with covering note from another caseworker I had not dealt with asking me to clarify exactly what the complaint was, as they thought my case was resolved....I believe that whoever this was must have been unaware that the original Barclays complaint was still ongoing....hope this makes sense. I also requested my Data File from F/O as was begining to think they may not have it all, I recieved it last week and everything is there but in two seperate piles. What I really want to put across to them is that I was in desperate need of help 2yrs ago, and I begged them to speed things up. On the F/O website there is a list of reasons why they may fast track a claim and I met each and everyone. I have convinced myself that the F/O only have a couple of my letters and they think I'm being greedy by gunning for Barclays after being paid by L&G. It is difficult to read anything from an adjudicator they are (as they should be) very impartial and don't give much away. The wait would be soo much easier if you knew they were on your side.

hi guys not sure i'm in the right place, but my problem is with Barclays, i don't even know what help I need anymore i'm so tired of it all, i feel completely broken by Barclays treatment of us and i can't take it another day.....I think i'm going mad with worry. Sorry it's long but i'm into year 3 of my fight and just GOT to write this, I'm hoping it'll be theraputic as I feel numb and tired and sad. 2004 buy out partner in hubbies auto-related business as he wants to pursue other things, hubby involved from start of business and considers it his hobby! Problem started in Jan 2006, hubby diagnosed with serious medical condition and has to stop work immediately. He was the (only) mechanic in the business and trade dropped immediately. However the light at end of tunnel was insurance policy sold to us by Barclays (i say sold......it was a "condition" of us securing a 70K loan towards buying out partner) but i could not claim for 1st 26weeks. It was difficult, but by cutting staff hours and setting up a small internet business alongside existing, we managed....just. The plan as arranged with bank was to pay off loan, thus freeing up £1400 a month to employ another mechanic and start rebuilding business. Long Story Short.... policy doesn't pay out as Legal & General say not aware that hubby was mechanic as down on application as director?/? Appeal descision and approach Barclays with the problem I feel they helped create...the application forms had been filled out at our place of work with the help of their advisor. Told to wait until appeal as sure it will be fine, agreed that reasons for non payment were ridiculous. Appeal non sucsessful Business Manager assures us that "it will be fine"...says there is obviously an error and that he will help to sort it....I'm not to worry as Barclays put a lot of business their (L&G) way and that he would make a few calls, says that they could stop loan repayments while things getting sorted. This would be helpful now, but never happens. Jan 2007...Business OD up to limit, and personal way past limit (all bank charges) as unable to draw wage for months, can't pay (Barclays) mortgage, and husband spinal condition getting worse so he's heavily medicated and no longer able to help sort things.. March 2007 Decide to contact Financial Ombudsman as I feel things are coming to a head with the bank and they got me by short & curlies as further condition of loan was a charge over our home, really worried and getting seriously depressed, hubby can see business failing and begins suffering mental health problems and self harming, I'm still trying to keep things going at work as still feeling the injustice would be put right soon. Go through motions with F/O, various caseworkers/ numerous frantic phonecalls from me/begging letters getting slowly more desperate etc, Time scales mean that each time barclays are written to they have 8 weeks to reply!!! and they wait till last minute. During this time I reviewed my statements and decided to get my charges back as this could wipe out most of business OD and make percy look positively blooming!!! I'll point out here that 2nd business doing OK no charges had been incurred on account. Unfortunately reclaiming was my biggest mistake, the bank became VERY difficult, suggesting I might like for a "fresh start" with another bank (not with my credit rating at that point/I tried) and reminding me that they held a charge over my home, and dening that they were in anyway responsible. I get half business charges back, but Barclays begin getting difficult, my name myseriously vanishes off system and is replaced by previous business partner (on this particular occaision I'm told only hubby can withdraw even tho they know he can't travel at this point) The final insult was when the balance from 2nd business was taken to pay loan, it wasn't a huge balance but it was all the capital we had, 2nd business ceases trading. Relations and communication ends when Barclays announce that they are closing all our accounts and calling in all overdrafts/loans even though they can see I am not at fault here. During this time an adjudicator from F/O have been investigating and UPHOLDs my complaint, Barclays are told we have done nothing wrong and that the insurance claim should be honoured. BARCLAYS disagree with the findings and decide to wait for Final Ombudsman desision. I am devastated, things are so bad already due to the time its taken and I'm desperate to keep business for hubby's sake as the self harming has progressed to suicide attempts and violent outbursts and I need to be with him at home, I know I'm not coping emotionally and I'm so worried, but there is no one else so I get some prozac and keep going. I'm told Ombudsman prob won't even get my case for a few months. Can't believe it. November 2007 I put company into liquidation as I can't trade without bank accounts, and the phone calls from creditors all day in work, and the same when i get home as nothing is getting paid at this point, I'm living on hubby DLA and incapacity benefit. Bailifs are calling CCJs arriving, parents have been bailing business out for last few years (but had expected repayment by now). Barclays decide to start reposession of our home, I am frantic with worry as Hubby has date for major spinal reconstructive surgery, we not sure how things will go and I'm worried that he won't get the rest he needs for bone grafts to work......everythings getting too much and I DO SOMETHING THAT REALLY DIDN'T HELP LONG TERM..... I bought another house, I don't know how I swung it or why just knew I had to get away from the problems and make sure hubby was safe. I put our home up for sale and we moved out. Parents again came up with large deposit and help with payments for few months (again until EVERYTHING WAS SORTED WITH BARCLAYS) Adjudicator leaves F/O so case passed on to another, she calls and has some good news!! She feels that as well as my complaint against BARCLAYS, i should also complain to L&G as in her view my claim wasn't assesed properly anyway. I explain that I am furious with Barclays for closing our accounts as this meant I couldn't continue to trade at all without facilities and they knew my complaint was unresolved and with the F/O, she agreed and said my complaint against BARCLAYS would still await an ombudsman although it would be passed to a 3rd adjudicator in the meantime (who wrote again to BARCLAYS themselves, adding 8 weeks and getting no response) and she would write to L&G APRIL 2008 go to court for repossesion hearing, explain the reason I haven't paid/struggle/loss of business and also explain that I'm trying to sell. Get 60 stay to try to sell property, but the market is slowing and I can't find a buyer. I'm now taking prozac by the handful and don't know what I'm doing, marriage is struggling as hubby op hasn't worked, he's been left in agony and self harming again, now on very strong meds. I don't want to be repossessed as we have a lot of equity which BARCLAYS will take for the "charge", its become a thing of principle now ME v BARCLAYS MAY 2008 I send emails and manage to get my story onto a BBC local current affairs programme. L&G issue statement saying they are assesing the claim. Barclays refused to comment as complaint with F/O, although they decide to halt repossesion until the final outcome. I can no longer cope and suffer a breakdown, unable to do anything even tho loads of impotant stuff to do... JULY 2008 L&G decide that they will pay the claim......... I should be delighted but I'm not, we owed most of it out by now.... they refuse to accept they are at fault and they fully intend to reclaim from Barclays as they felt the policy had been missold. They refuse to pay any damages or compensation and even refuse to add on interest. At this point I'm desperate for the money but still feel I've been put through a terrible ordeal that has completely ruined our lives. Adjudicator says I should look on what i get from L&G as a bonus, as I still have the complaint against BARCLAYS waiting for ombudsman. I agree and the claim is paid. Use money to pay family back at last/2nd mortgage arrears/Urgent bailiffs etc, and live on rest for few months. September 2008....recieve all my paperwork from F/O as the case "has been resolved", send the whole lot back with covering note explaining most of the paperwork would be needed for BARCLAYS claim. Letter back saying their not sure what my complaint is??? Get that sorted but for some reason claim goes back down ladder to caseworker again!!! I ring up explain whole story, and the lengthy delays again, explain case was split by 2nd adjudicator. Caseworker says Barclays have been written to for info, but had not responded within the allocated 8 weeks, says if nessasary they will investigate without the info Told them ombudsman should have file and I need resolve soon as Hubby is really struggling and it would be beneficial for him to have closesure before he undergos a 2nd surgery in March 2009. Our case has now been "fast-tracked" and is currently with the 4th Adjudicator, who rang me to say she had asked barclays for further information (another 8 week wait) She also sent some paperwork that hubby needed to sign before she could START TO INVESTIGATE MY CLAIM (previous adjudicators agreed to only deal with me due to hubby health issues). I don't know what's going on and I am desperate to find someone with a bigger voice to help us, I can no longer speak to these people without crying and having panic attacks and I'm begining to feel like hubby WHAT IS THE POINT what started as a £70K claim has spiraled out of control and no one is listening.........any ideas PLEASE