Well a year on and we won!!!!!!!
We finally got our oral hearing from the FSO after appealing their first decision to the high court.
Before it went to he high court ( The day before to be precise) , the FSO offered to reconsider the file and subsequently gave us a date for an oral hearing.
On the day of the oral hearing ,as we were ready to enter and give our statements , the representatives of BOI asked if we could have a meeting as they wanted to settle the case before any oral hearing.
We had nothing to lose listening to them and we always always kept the communication's lines opened with BOI anyway so we agreed and went to another room.
As my husband and I sat down ( couldn't afford a solicitor anymore so we were representing ourselves ) BOI offered a full settlement by writing off the loan all together and end any further complaint through the FSO or through the court.
I won't lie and saying that we were expecting this and it took us a few minutes to realise that after 7 hard years of fighting we had finally won more than we were asking for !
So for everybody out there keep fighting !
Thank you all for your comments help and just reading my post .
Well done and I've got to say much respect is deserved to you and your husband for going all the way, with so much at stake if costs were awarded against you.
I wish I had the same courage, but the system is designed in such away that you can't appeal the FSO's decision without the risk of financial ruin.
Well done again.