I am in an IVA but my wife is not and never been has been insolvent. She should be due 50% of my £5k refund from RBS as this was a joint account but they have called me the "lead" name on the agreement and are keeping all funds, including the stat interest rather than paying half to my wife. Can they do this?
They must be offsetting against an outstanding debt in joint names otherwise it seems strange to do this. If your wife is not happy she should take it to the Ombudsman.