FSPO Solicitor Recommendation

Brendan Burgess

Founder
Messages
44,844
Hi Hopeful

You should set out the facts of the case and it would be much easier for others to advise.

It's hard to imagine a situation where A & B have a loan and B is impacted by the bank's behaviour but A is not. Maybe in practice, if it's in reality B's loan and they just added A so as to get the loan.

But I cannot imagine any situation where the Ombudsman would hear a case taken by B and not A.

The borrower is "A&B" . They must both take the case.

If A is not prepared to sign the complaint, then drop it.

Brendan
 

Hopeful77

Registered User
Messages
15
Hi Brendan,

I’m sorry I’ve been so scant with the detail.

Basically the co-borrower (sibling) took out an equity release without my knowledge or consent. I told the bank I didn’t agree or request this and asked that they put it into a separate loan in his name only. The equity was also paid into an account in his name only. They refused and said it was done ‘on a single party authority’, all requests to date on the mortgage have required both our signatures so I don’t understand why this didn’t. There is nothing in the mortgage to say this is possible and when I requested my file none of the paperwork regarding the equity release was included as only related to the co-borrower.

It has been going on over a year now and it’s very frustrating.
 

Thinktank

Registered User
Messages
21
Hi Brendan,

I’m sorry I’ve been so scant with the detail.

Basically the co-borrower (sibling) took out an equity release without my knowledge or consent. I told the bank I didn’t agree or request this and asked that they put it into a separate loan in his name only. The equity was also paid into an account in his name only. They refused and said it was done ‘on a single party authority’, all requests to date on the mortgage have required both our signatures so I don’t understand why this didn’t. There is nothing in the mortgage to say this is possible and when I requested my file none of the paperwork regarding the equity release was included as only related to the co-borrower.

It has been going on over a year now and it’s very frustrating.
Any update on this?
 
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