You don’t want the CAB you want a lawyer (sorry Robin). CAB have some good staff but really are well meaning amateurs who advise the man on the street with simple problems. Unfortunately this is complicated and potentially serious but should be fixable.
I probably won’t be able to act for your wife as we act for most of the banks which gives me a conflict but I can give you a steer and a name if you need one.
You have a PM
G