@Ellie ******
yes, sure I will do before sending the money. It's a small IO so they will remember me, and I am tempted to go and ask earlier but am worried about getting answers I don't like or temp them to ask bribes. I think I will go and be open to them, and see what they say.
Joint bank account would be good, and using just the TM30 without housebook would also be good.
Regarding the TM30, is the housebook required for that? If it is I may get a copy when that gets done...