Since selling our French holiday home we have been unable to access the proceeds of the sale from the bank. Our notaire transferred the money to our account in February. Since then we have not returned to France and despite attempts to get a response from our account manager, we have not heard from him – recent requests, including for a new cheque book or to change the account to joint names, have also gone unanswered. Fearing we may have a problem, we referred the matter to the bank’s mediator. Have you heard of such problems before and have we done the right thing by going to the mediator? L.C.