I have been asking "the bank" to give me details and copies of the signatures on the bank verification documents for a joint bank account that my husband opened without my knowledge after we had separated. I have proof I was interstate at the time. I only discovered this joint bank account several months after the account had been closed. I have asked and asked for information and each time answers are not forthcoming. I applied to the FOS and they have responded that is outside of their 'terms of reference' (longer than 2 years ago). In appearing 'transparent', "the bank" provided me another copy of the bank statements but did not release any verification evidence which would prove without a doubt I was not involved in the opening of this joint bank account. It also casts light on other irresponsible lending that the bank allowed and at my expense. I have been advised to report it to the police. Is this correct? If the bank won't hand over the information, the FOS won't make them, is this the next step?