 the bank) had been "put on inquiry", and further that "a bank is put on inquiry whenever a wife offers to stand surety for her husband's debts", although not for a joint loan which is understood to be used for their joint purposes.If a third party is put on inquiry for these or other reasons, then they are under a duty to take reasonable care to protect the person with whom they are dealing from undue influence.In recent case law the courts have spent considerable time trying to juggle how far to extend that duty of the third party to protect the person they are dealing with, with the countervailing policy consideration that family homes are an important source of collateral for people who wish to start their own business or otherwise raise finance.