Good Morning Folks, It is my first time here , so hello and I hope I am in the right place ! I find myself here due to being treated appallingly by Barclays and an absolutely useless FOS who are not fit for purpose. I am generally not one to throw the towel in but this has already taken up so much of my time and I can't see a way forward. Sorry if this is a bit protracted , but it has been ! I an a nutshell a few years ago we were concerned about the direction of travel the country was taking , as a result of this we liquidated some ISAs and funds earmarked for our retirement and paid down the capital on our mortgage. A short time after we noticed our mortgage balance and payment were not amended accordingly. I raised this with Barclays - it was around Christmas 2020 and on Christmas eve my wife (although joint mortgage) received a letter from Barclays saying she was £3,000 in arrears and this needed addressing urgently , there was a booklet included called (having trouble paying your mortgage) . I called on that day and raised a formal complaint getting name and references, it appeared that some of our payments had been lost or misappropriated. I received no contact from Barclays for a few days , at the start of 2021 I received letter in my own name for mortgage arrears. My wife then checked her credit file to find Barclays had trashed it , marking her many months in arrears and delinquent - it was a blood bath. I later checked mine and it was equally as horrendous. At this time i was in the process of applying for a new job - the industry required that i need a 100% clean credit rating , which up until now both of us had had. I called barclays again (which actually takes probably an hour plus each time). The complaint was open but no further action had been taken and the guy nominated to deal with it was on holiday , no one else could help. I advised this was very urgent and I wanted it rectified asap and a full explanation as to what had happened. a few days passed with no correspondence after which a letter arrived form the Halifax saying they needed to close my longstanding credit card account and wanted it settled asap. This alarmed me immensely but I suspected why this was. I called Halifax customer services and a spoke to a very helpful lady who advised that a routine check had brought to light our arrears on our Mortgage with Barclays and this was the reason - no ifs or but she was very clear. However , she stated that if I could get a letter from Barclays advising that this was all their fault and had no bearing on our repayments to the mortgage. I called Barclays again and spoke to another customer services advisor as the Complaint manager was not available. I requested a letter asap which eventually turned up approx 10 days later. I had to hand deliver this to Halifax in the midst of the pandemic. I did so and fortunately they were as good as their word. This had been dragging on far tot long, I raised a case with the FOS. The advised me they had very lengthy delays.... I did get a call from Barclays asking if we were able to close our single complaints and move to one joint complaint , I stated that as we both been drastically affected by this I was more comfortable with 2 complaints. The lady called me advised that the complaint and compensation for the troubles we had experienced would in no way diluted if we moved to a joint complaint. Reluctantly I agreed ( regretted later). Our credit files were rectified by approx may of that year. Movement and changes with our outstanding balance and payments occurred. Strangely enough the monthly CMP of our mortgage increased from the lowest point it had been even though there had been no rate increase. I was really puzzled and advised Barclays all of the above information in my complaint, they were extremely slow in moving on this . Approx 4-5 months after our credit files were restored. Barclays told me they were working on the balances/funds - I requested from the very start I wanted a full detailed explanation as to how the situation was resolved . Barclays got back to me and said the situation was resolved , they offered us £600 total for the aggravation and inconvenience and presented a fully paid mortgage statement . not showing any amendments. I must admit I thought £300 each was a bit poor for the amount of aggro and stress we had been through , not to mention the endless hours on the phone and queuing , also we had not received any explanation or information as to how the problem had occurred and how it had been resolved , which coupled with the fact that the balance appeared to be approx 1K adrift with our thoughts and also info we were given by barclays at the start of this debacle. Sorry this is so drawn out .... I contacted fos and they advised they were pleased the complaint had been settled - i gave them my opinion and said I was unhappy as above. The to my mind inexperienced and not so knowledgeable investigator said he would have to get a final judgement from an ombudsman. This was approx jan 2022 , I advised them i had recently requested a DSAR from Barclays - which was due around mid February. Time moved on the DSAR came in small dribs and drabs - barclays were obviously not keen on giving me info. The ombudsman came back and said they had reached a final decision - they upheld my complaint , they believed barclays had rectified the situation and offered compensation - I advised that they had not given me any information as to what had gone on and how it had been resolved/rectified , also that £300 each was a very poor compensation for all the aggravation , stress and wasted time we had both been subject too, I did not agree with the resolution offered Oddly enough just as the FOS had made this decision more and more interesting info started coming through on my DSAR after involving the ico and much pushing. I was getting info about many other almost identical complaints and details of newspapers running articles on this , from barclays ! and details of my specific request for info on what went wrong etc. I advised the FOS of this , they obviously said they couldn't do anything now ! They did say their decision still stands and we were free to take legal action. However the vibes I get are the no solicitor would want to take on barclays due to the poor balance the system offers. Sorry to ramble but that is where i am at , walk away - lesson learned or how to go further ? thanks to anyone that has read my ramblings !