Is the loan actually in both your names? If so it's my understanding that her half should go in the trust deed and you would only still be liable for your own half. It's worth calling the loan company to verify this with them.

Welcome to the trust deed forum lions67.

I wish I had better news for you.

It has always been all your debt. It was also all your ex's as well. On joint loans there is something called "joint and several liability" which means the lender can chase either or both of you for the full balance.

As your ex is now in a trust deed they are likely to seek the full repayments and full balance from you.

The only good news is that some of the balance should eventually be repaid from the trust deed, but that is some time away I'm afraid.

Hi,
I am in a protected TD and had a joint bank account with RBS with an overdraft. RBS chased my partner for the outstanding overdraft amount. It doesn't seem fair on the other party but I guess that's just how it is I'm afraid.

Oh wow im actually shocked at that td assistant, I honestly thoguht he would only be liable for half of the debt.

It's a common misconception gillianr2, and one that's easily assumed to be the case as it seems so logical that this is how it would be handled.

That's not how the lenders write the loan or account agreements though!