Posting this for a friend. (3 items) EBS case - house that was in arrears - now in the clear House arrears arose after a divorce Arrears most likely would not have occurred had overcharging not been a factor EBS have given 12K compensation House now in positive equity and mortgage being paid My friend moved out and now rents - the ex lives in the property The 12K (redress) is still with the bank - they won't release the money until the form is signed by both parties - the ex in the house won't sign the same form!! and won't agree to what and how the 12K is divided. The bank won't issue two forms or accept two forms with a signature on each (they want 2 signatures on the one form) and won't issue two cheques. That's Item 1 - Any suggestions??!! Item 2 - the person who moved out has been trying for 3 years to get name off the mortgage? wants nothing to do with the house - even in years to come - just wants to move on - bank are saying they won't take the name off.....any suggestions/ways in which this is done/can be done? would ex need to apply for an entirely new mortgage in own name? Item 3 - Credit rating - the credit score has been impaired - however as arrears most likely arose due to the overcharging - can the bank request the credit bureau to adjust the scoring?? At some stage my friend wants to buy a new home. Thanks!