responsibilty of dept?

[buzzlightyea]

My Ex-husband failed to pay our mortgage (which he did behind my Back) I first realised was when we had our house repossed. after sale of house the remaing dept was split 50/50 each of us owing approx �10k, 10 years later i still owe �8k after paying �20 a month, the fianance company who now own the dept are putting pressure on me and threating courts, expenses etc, its really getting me down, could my ex husband still have any responsibily over this dept as it was his fault at the time? He paid his off and has moved on but left me with this dept

[themas]

I assume it was a joint mortgage - with both your and your ex's names on it. If this was the case, then each of you was liable for the whole of the debt on a "joint and several" basis, so the mortgage lender could pursue either of you for the whole debt.

I don't understand what you say about a 50:50 split. You & your ex may have agreed this between you but I can't believe the lender agreed to it, as to do so would reduce their ability to be paid. If I am right on this and there has not been any agreement with the lender then your ex can still be pursued for the whole amount outstanding.

However, if I am wrong and the lender did agree to limit your ex's liability to 50% of the total then there is nothing you can do about getting him to pay more (assuming he is not willing to do so voluntarily).

A lot of debt collecting firms put pressure on debtors in various ways. If their demands are unreasonable in your circumstances and they won't accept whatever you can afford then it could help to get assistance from the local CAB, or a free advice service such as CCCS.