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We were never advised that it had ceased to be a joint bank account but access was frozen to me although my husband still had his monthly pension paid...

It was a current account with a package attached. These packages were charged monthly and are now being included in refunds

The refund was due to the type of bank card we had which related to benefits like "meet and greet at airport", etc, none of which we ever used as my ...

The joint account into which the refund was made was held jointly with my husband. My husband had no connection with the trust deed or the debts cove...