One of which was the property in Frinton which was owned jointly by Mr  and his step mother who was an elderly lady who was then residing in that er property  and er around that time on the first of October Mr  er telephoned Mr  and er  told him about that but at that time, was not anticipating that there would be an difficulties about the security on Frinton for these  he had always, added his case, made it perfectly clear to the man at the National Westminster Bank with whom he was dealing, Mr  that that property was not a property which er could er be offered as security because of the joint ownership and er while in conversation with the bank he understood that this letter had been sent and Mrs  had been on holiday and that it was simply oversight on the part of the bank at this stage and that all would well after Mrs  returned, which was expected in two weeks time.