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As long as you have a joint loan you are linked to your ex financially.
The lender does not care who pays it, you, your ex or half each. Therefore you need to come to an arrangement with your ex or pay it off yourself. You can get a consent order through the court as your solicitor says to come to an arrangement as to who pays what but not sure how expensive that is to get hold of and it does not remove the link. I think it would be better to come to an amicable arrangement if possible. After all it is in her interests too to get it sorted so she can move on too.
I agree but both parties need to understand the principles of how lawyers etc come to a settlement. No point working out a solution for a loan but one party refusing to discuss their pension for example
Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
