2024-26

I can only ask for a reconsideration in my own case and have that decision judicially reviewed if needed. So this is what happened to me; other people were treated just as badly and often worse. In April 2019, when I was still working as a paramedic, I had three car crashes, was hospitalised and never worked again. I was recorded as suicidal and, following my head injury, as a vulnerable adult with continuing safeguarding concerns. The Ombudsman found that starting repossession action then had been unfair. I believed I owed arrears, but the Bank’s later reconstruction showed none under the Ombudsman’s correction. The Ombudsman had requested that historical position but decided my case without receiving it.

Later in 2019, when the Bank pressed me into an assisted voluntary sale, I said I would kill myself and wished I had died in the crash. The reconstruction showed no arrears then either. I later sent FOS’s legal department DSAR records obtained only after I started a High Court claim, asking whether my Ombudsman had seen them. My question was never answered.

By early 2026, I believed that the Co-operative Bank, Topaz Finance and Eversheds Sutherland were coordinating their handling of my dispute, and that the two lenders were fabricating records to portray me as a compliant customer. Both lenders placed “arrangement to pay” markers on my credit file despite my objections.

On 23 October 2025, the master handling my High Court data claim referred my application to delay the transfer to Topaz for judicial listing. That same day, Topaz offered a zero-percent “concession” on an account I regarded as terminated and was not paying. On 28 October, Eversheds said it did not take instructions from Topaz. Yet on 2 December, with the FCA copied in, Topaz identified Eversheds as its solicitors and explained that its reasons for the concession included allowing my injunction application “to fall away”.

On 16 April 2026, I told Eversheds, copying the FCA, that documents appeared to have been fabricated and that the coordinated conduct of the Bank and Topaz might involve offences “potentially engaging conspiracy to defraud”. On 23 April, Eversheds replied that it no longer represented Topaz and directed correspondence to TLT.

Eversheds has referred to the Co-operative Bank’s “agreement” to apply a zero-percent rate without identifying whom it agreed with or when. Internal Bank emails assert that I consented. I dispute that assertion. Some were passed to Topaz, whose file contains another borrower’s Ombudsman decision, while mine could not be located. That borrower received an additional 1.25-percentage-point SVR reduction following the investigation.

My emails and objections to the Bank's conduct are missing or are bundled together at the back of the file, out of date order. The main part of the file carries the Bank's "agreed" version of events, and its "confirmation" of a 0% "concession" letter. I could see at the time that the Bank was presenting the call as a request for support, and I said so in my witness statement to the High Court on 21 August 2025. I did not see the record claiming I had consented until late 2025. That does not stop Topaz using the documents I say were fabricated in the County Court. So let's get everything out in the open before that happens. The note in Topaz’s file is undated and says I gave up being a paramedic; the servicing diary dates it 10 October 2012. In fact, I took a year out to teach at university, then returned to practice. I believe this distorted account discredits me and obscures the reality of threatening a former paramedic with homelessness. My 18 June 2026 letter about the file: TLT replied on 16 July that it is accurate, but did not tell me I could refer it to the Ombudsman, and no final response came within eight weeks. So I have referred it.

A MAS5 letter also says I “will be aware” that alternative mortgages had been offered. The Bank’s 31 July 2024 email to the Ombudsman introduces its transfer account with “As you aware”. In each instance, the underlying assertion needs evidence; the phrase itself supplies none.

To examine my DSAR records, particularly those documenting what I experienced as abuse by the Co-operative Bank while I was suicidal, I needed therapy and ADHD treatment involving careful assessment and dose adjustment. My ADHD medication has now been adjusted, and I continue with therapy. I am ready to take the next steps.