I noticed on my joint bank account statement that £6,000 was withdrawn by cheques. We had had money back from a new build Vat return. I requested to the bank to see copies of the cheques and my husband had written them to his credit card and to himself. Previously he had given me a letter saying he had not had any of the VAT return. As I have a letter from him stating he did not have any of the funds and the cheques written by him, is this disception or fraud?