I had a secured loan on my jointly-owned house before I entered a trust deed. The loan was also in joint names with my ex. We both entered trust deeds at the same time. The house was in negative equity and was given up therefore making the secured loan unsecured and part of the trust deed.

Everything has been going reasonably smoothly on my part but my ex got a job abroad shortly after the TD started and decided to stop paying her contributions. That was 18 months ago so I'm presuming the trustee has discharged themselves and the debt collectors are looking for her. I have now started receiving letters from Webb Resolutions who have taken on the loan that was secured on the house. They are addressed to me and my ex and are arrears letters demanding payment with the usual veiled threats. I am presuming they are looking for her (as my TD is going well) though I thought they were barred from sending me any correspondence?

I have been sending these letters to my trustee who said they would contact Webb Resolutions but they are still coming through the letterbox.

The only other joint loan we had was the mortgage with BoS. There was a predicted shortfall on the house (£20K) which now has new owners so I'm presuming this shortfall has been verified but they have never been in touch with me though they must also be aware that my ex has defaulted in her TD.

Is there anything I can do to disassociate myself from my ex where this loan is concerned as I don't want them sending me demand letters because they can't find her? I'm not really willing to tell them where to find her as my kids are with her and I don't want to cause any arguments with my ex as seeing them would ultimately be harder to do than it already is. She has never lived at the address I'm currently at so the letters can only be coming because of our association.