The situation with the bank is quite normal. They can assign half of the debt to each person by mutual agreement but it’s not in their favour because the normal situation is that both of them are jointly and severally liable for the full debt.
If the loans were taken out in his name, then he is responsible for paying them. If they were in joint names, they are both responsible for the whole debt although if your granddaughter pays the whole lot off, which he has done, she is entitled to recover 50% from him.
You can recover the rent arrears and door damage from him but remember that he may allege that 50% of the rental debt if your granddaughters. Hence, you may only recover 50% of the actual arrears. The door damage is all down to him because he was the one that committed the criminal damage. You might want to refer that the police to see whether they would be interested in pursuing a criminal damage prosecution.
However with regard to the money which is now owed by him, to your granddaughter in respect of his half of the loans, you would need to if you Small Claims Court proceedings her self. There is no reason why you cannot complete the paper for her but she must sign them and deal with any court hearing.
Can I clarify anything for you?
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