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Excluded from the banks communication.- BCOBS complaint?


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OK here we go.

1.  Joint account - husband and wife.

2  It can be proven that the bank has not communicated with the husband while communicating with the wife.

3.  The bank in question promised to keep all communication open between husband, wife and bank.

4.  Locking the husband out of the communication chain allowed the wife the sell the matrimonial properties without the husband being aware or notified.

5.  The bank did not inform the husband that the joint accounts and mortgage account had been closed.

6.  The bank lied with regard to certain aspects regarding their involvement in the sale process.


All the above can be proved.


My question is does this come under BCOB's and what is the best way to move forward.  I have already complained to the bank and the ombudsman.


Obviously I am the homeless husband - 



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how about a sar to them if you havent already?


surely that will give you the letters they sent or didn't to you.

or addressed to Mr & Mrs?

and the full comms/acount log.


so the FOS has not sided with you either??

  • I agree 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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for the (main) matrimonial home : did you take legal advice / why wasn’t a charge entered at the Land Registry under the Family Law Act 1996 to protect your interest.


it wouldn’t help with more than one property except the matrimonial home but it exists precisely to ensure there isn’t a homeless (husband or wife)!

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What's the legal status of your marriage now? Divorced? Separated but still legally married?


It sounds like you moved out of the marital home. When you did that did you immediately give the bank written notice of your new address so that they could write to you? Did they write to you?


Have you discussed any of this with a solicitor?


Have there been any court proceedings about any of this?

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If divorced : division of assets SHOULD have been agreed as part of the divorce (any protection from the Family law Act by means of a charge / notice at the land registry would also have ended when the divorce was finalised)


so, yes, more details from the OP are needed.

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