Thanks for opening the thread Dee!
MidnightBlue sorry to read that your banks are being idiots, suing for something that isn't there, ie a pot of money is very foolish. I don't know of course but if it was UK my suspicion would be that they are trying to scare you into paying more than you can afford. I'm sure you will face them down.
While we celebrate all things spooky this weekend the real nightmare for us is drugs and alcohol, lets not star in our own personal horror show this weekend!