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x partner's debt- joint mortgage - now CO on my property


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Will try and keep this simple!!

Split from husband 6 yrs ago. No divorce for various reasons. I pay mortgage ( STILL IN JOINT NAMES COS BANK REFUSED TO PUT IT IN MY NAME AS i AM A MATURE STUDENT AND WONT BE EARNiNG ENOUGH TIL NXT YR).

Came back from holiday in July. Had a letter from company called Cabot stating that they were going to get a charging order on 23/8/10. Contacted the court in Notts and told them I couldnt attend. They told me to e-mail and request it to be moved to essex and it shouldnt be a problem. Waited for response but didnt hear anything so contacted court on 15/8/10. They said it was now going ahead in Notts and I couldnt have it moved. Told me to send in my objections by e-mail. so I sent another e-mail staitng

it was X's debt, not joint

He hadnt lived in property since 2004 or made payments

Had 3 Children one with Autism

Not enough equity in property to cover debt.


All this was ignored and have just been told by x sis in law that X has received a letter stating the Co has been placed on property.


Is there anything I can do? Can I have it removed? Can I appeal?

Seems unfair that they can do this when debt is nothing to do with me. I never had any benefit on the debt ( he used the money for him and his gf!!). He doesnt seem to be too bothered but I could lose the roof over my kids heads. am very worried as this Cabot company seem very ruthless. ANY help appreciated. Thanks.

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