What I'm trying to work out is who I can contact to get information.  You say it's the bank and banking ombudsman, and refer to what your lawyer said, but then say it's out of your hands.  If the banks have taken "it all", how much, what's their process for the claim.  The wall and exclusion isn't helpful, therefore, there needs to be someone I can deal with (or have my lawyers deal with).

Again, in the absence of any better resolution, I can just throw this to a collection agency.