I took my case to ombudsmen and failed in 2009, but it was a different regulator then, and they didn't really get the point of my case being mis selling, misadvising, etc. I think I might have done better if I had Padraic representing me, and will if I go again. Really looking forward to hearing outcome from your cases. The new regulator is better but I still think having expert help with presenting the case could help. Best of luck. Thanks for update. Are you both in arrears? Is that why the mortgage has been sold on ?