GH, thank you so much for speaking to someone about this. That was our fear that they could go for my Dad and then 13 years later come back and have another go at my mother! It is RBS directly that are after her. All six accounts are in debt for a vast sum of money. No hope of paying it back. I have not spoken to my father for 6+ years but have an inclining of where he might be. What were your thoughts. It seems as though they were perfectly in their rights to issue a formal demand to one party (married couple) and not the other. If they are a marreid couple is writing to one of the couple the same as writing to both? Thank you so much for your advice. We have to get the witness statment in for the case next week so we are working on our final points! Alan

Thanks GH. It was with RBS, Royal Bank of scotland. Alan

Thank you for the quick response GloryHunter. This was before the breakup. So the lender can choose to only persue one party with a formal deand and then has the rights to come after the other party at a later date? The reason for asking is that the formal demand on my father was made in February 1998 and as such the bank are not out of time under the limitation act of 1998. However my mother's name was not on the formal demand. We are arguing that the formal demand did apply to her as well because it included three joint accounts that were in her name. What are your thoughts? Thank you so much for your quick response! Alan

If the bank issues a formal demand on a joint account does that formal demand have to be made on both parties that are named on the account? or can they go after one party and then move onto another party after exhausting measures with that party? A formal demand was issued to my Father and not to my mother (the demand was made on 6 accounts three of which were joint accounts). I am fighting the case on behalf of my mother as my father disappeared a few years ago leaving her with the debts. Can the bank issue a formal demand on a joint account to only one party? Do you know what laws govern this? Any help would be greatly apperciated! Thank you Alan