Hi it was hsbc they said I'm a third party even though were a family and we both are paying the debt of through ccs,I've taken it to the fos now,but was wondering if I had any chance at court I have had them replaced now due to ruptured had to have them out with my gp advice,they account still open,outstanding balance is about 2100,I paid 1200 on credit card in 2007,I have now been told legally that the clinic insurance won't pay out either due to them been taken over by another clinic they are not taking any past patient liability I have rang around a few so my only way now is to fight this out with hsbc thank you for advice xx