Please help if you can

Darth_Domain

I have a joint mortgage with my ex partner and loan secured on the property. the property is now on the market. Once sold, there will still be outstanding mortgage to pay and loan (we had borrowed so much to do the property up you see). My Ex partner has not contributed to the joint mortgage or loan since she left so i have had to negotiate lower payments with the lenders until the property is sold. Also, i have had to pay on my credit card to have work done on the house and have put many hours of work in myself to get it up to standard to sell it, she has done nothing.
When the house is sold, as we will have outstanding debts, i wil find it very difficult to pay rent elsewhere etc. I have written to my ex's solicitor and have informed her that if my ex continues not to contribute to outstanding mortgage or loan when the house is sold,i will cease payments myself. Then this result in the lenders taking action agaisnt both of us which i prefer as oppossed to her getting away with not paying anything at all. Obviously, the lenders know i have made efforts to pay and negotiate and that she has not. Is there any advice about how i can manage these debts after the house is sold (obviously going by the assupmtion that my Ex does pay her half).
Thanks folks

chevalier

Was the mortgage and secured loan in both of your names? If this is the case, then I think you have every right to tell the companies concerned her new address and suggest that they pursue her for half of the debt.
But that's me, check with your solicitor first though!
chev

rog2

Your ex WILL remain liable for her share of any debt which is in joint name. However the creditors can, and will, continue to chase you for the full amount in the same way that they would be chasing your ex if the roles were reversed.