joint loan/debt advice

Clare_85

Hi,

Not sure if anyone can help, my husband has been paying a joint debt he accrued with his ex partner for roughly 8 years now.

They owned a house and sold it when they split up, the mortgage was paid back but they had an outstanding loan (I think it was part mortgage part secured loan, it was an old 100% mortgage) of £17,000 remaining.

My husband has always paid this and his ex partner has refused to, the company seem quite happy as obviously they are receiving payments but have indicated they have written to her to pay etc but she doesn't. My husband has updated them with her details when he's been able to find that she's moved etc. They had a mediator who supposedly drew up a plan for his ex to pay to but she just went abroad and didnt pay.

Is there anything we can do other than take her to court? Does anyone know roughly how much this would be as we have no idea? Could the financial ombudsman help if the company fail to do enough to get her to pay too? Not sure if there are any guidelines re this?

The company have indicated in the past that if we offered a lump sump then they may consider writing off my husbands 'half' of the debt and just chase his ex but they wouldn't say how much and we're not in a position to do this currently anyway.

Just wondering if we have any hope of ways to get her paying? I dread to think how much my husband has paid over the years whilst she's not paid a penny and its making it harder to pay off at all.

Thanks in advance...

Foxy-Stoat_3

Unfortunately your partner is and will always be liable for 100% of the remaining debt as well as the Ex.

The only positive thing about paying the outstanding balance is his credit file will be intact, the Ex has got off very lightly.

You could start legal proceedings through the small claims court but if you get a result you still need to enforce it and maybe get blood out of a stone.