Hi, sounds messy. On a common sense basis if you can prove you and your sibling are seperate entities then they cannot force YOU to repay the negative balance on their account or apply your funds against it.
Best case scenario you will have to wait the 180 days to get your funds, but the countdown won't start until you get the permanent limitation/parting of ways email from PP.
If they attempt to withold your funds then a strongly worded letter from your solicitor may speed things along.
CaptainJack
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