Hopefully one last question.   I’ve found the original paperwork from NatWest that Moorcroft are writing to my husband about.   This was a joint loan but they are only writing to my husband so I guess they’ll write to me shortly.     Should I actually write to NatWest with our new address doing a separate letter for each of us or in the case of my husband should he write to Moorcroft and I write to NatWest?