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About Havelaar

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  1. Hi It is not really in dispute - as I have audio recordings of barclays conceding the account remains incorrect 2.5 years on. This individual, whom i believe to be misleading (personal opinion based on evidence gathered) then made numerous contractual agreements with me, but then misled me repeatedly that he had implemented these when he had not. It's the fact they have a staff engaging in misconduct but you cannot report it that gets to me. He is in the complaints dept. So if i complain about his misconduct - it ends up on his desk! He already informed me he is dealing with another of
  2. Hi I actually wanted to start a new thread as there are different aspects and it's v complex. This original thread is not really relevent anymore since FOS failed to instruct barclays to correct my account. The latest is that a staff member made contractual agreements with me but lied continually and failed to implement them. I have audio and hard copy evidence of lying
  3. My complaint sat with FOS for 2 years. The issue was false accounting by barclays who failed to credit my mortgage with several thousand pounds in overpayments. Adjudicator was inept and useless. Failed to understand facts and simply relayed whatever barclays told him back to me- eventually it went to an ombudswoman who also failed to get her head around things. Barclays consistently refused to provide answers and she got worn down so simply told me the bank had corrected my account and then closed the case. I had no idea how [edited] this organisation is so i believed her. Once the
  4. Hi All I have documentary evidence that a senior barclays staff member lied to the Ombudsman during an investigation - as a result the case was closed without resolution and FOS refuses to revist the case. Also have audio evidence of the same individual lying to me on the phone repeatedly. FCA does not want my evidential pack Original complaint relates to false accounting by balrclays who failed to credit my mortgage acc with overpayments in 2013 - they actually claimed the balance went up! I am exhausted by the whole thing, it is making me ill and has ruined my reti
  5. No, i don't believe so, not my "actual" losses. However as a result of their incompetence/false accounting I have been prevented from making at least 10k overpayments, based on my pattern of overpayments before they started their bullsh*t
  6. No, because they refuse to provide statements. Obviously the amount is going up all the time as long as the balance remains incorrect. I got no response to my deadline for receiving the info yesterday. I guess i could do a subject access request for a statement but they will charge me for it and it's INSANE since they were told to provide it by the Ombudsman Saying that, there has been clear collusion between Barclays and the Ombudsman
  7. BTW - the bank HAS breached the settlement, as I keep saying. They were to provide a full statement but they refuse to do so. The first issue is they refuse to provide the statement as per binding settlement terms Second issue- the account remains incorrect whether or not they provide statement (thanks to ombudsman's incompetence) but I need the current statement to see how much i am owed
  8. Hi all The SAR wont solve the problem as it will just show the account balance is incorrect. I am not looking for money on the settlement, i just want them to correct the account The Ombudsman procedure is a total farce; they are just as incompetent as the bank. Getting them involved made it far worse. So banks can steal your money and there is JACK you can do about it. This is really detrimental to me- i have made no overpayments in 2 years because i dare not with an incorrect balance and Barclays' ability to steal my money and then claim the balance went up! It's ins
  9. Hi all I already wrote to John McFarlane CEO and gave a deadline of tomorrow noon for receipt of the statement. Very much doubt i will get a response. Thanks to the person who mentioned the law firm in Brighton, the contact is not there till next week Sorry but i don't understand the posts about "SAR the FOS"? A Sar is what a bank submits to the UK FInancial Intell Unit if a transaction by a customer is deemed to have links to money laundering. The agreement was one of those standard forms you get from the Ombudsman where you sign to say you agree the terms. Shall I email
  10. I agreed it on the written advice of the Ombudsman, which states: the account is now correct. Ergo, I agreed it on the basis the account had been corrected. The Ombudsman Service appears to be in the pockets of the bank- I had no reason to think the Ombudsman would lie - the whole thing is highly irregular and stinks to high heaven Any ideas on where i go from here would be welcome
  11. Hi all, thank you for your interest As stated in the original message: The Ombudsman told me the account had been corrected. This was stated to me in writing. On that basis, since I had no reason to doubt her, I accepted the settlement terms which were a nominal payment and a detailed statement covering 2 years, showing exactly what they had done with the money. Ombudsman wrote "the account is now in order", implying the statement was just a formality to show it was now correct. Barclays failed to comply by failing to send me the statement. Reported it 3 x to Ombudsman who sa
  12. I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to tak
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