Thanks for your question.
I'm afraid that the liability in these loans will be joint and several, which means that in the event of default the lender can take action against either or both of you for any arrears. I know this seems very unfair but it would have been disclosed in the pre-contract documentation provided to you before taking the loan.
There is no provision in law that allows for the loan to be split.
If there are arrears and the lender calls in the loan then chances are they will sue you both for the money and obtain judegement. If there was an agreement between you and your partner that each party would pay 50% of the repayments then you may be able to sue her if the lender takes action against you but it does not affect the lenders ability to obtain judegment against you because of the J & S liability.
If there was an agreement to pay 50% each then you may be able to sue her for the previous 50% payments you have made on her behalf, but it's only worth it if she has money agianst which you can enforce any judgement you obtain.
You should instruct a solicitor to write a letter to her (cost £50 + vat approx) explaining the conseqences of enforcement action being taken - eg. country court judgement, their fees being added to the amounts owed, bad credit record, inability to raise credit in the future. If a person is at all interested in remianing solvent then this should be reasons enough for them to engage with you to see that the repayments are maintained.
I know this is not the answer you wished to receive and I'm sympathetic to you position.
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