Nationwide Mortgage

During the height of the property boom I bought a terraced property for #28000 (100% endowment mortgage) along with my then fiance. After a few years the mortgage account fell into arrears my relationship broke up, she left the property and has never helped towards mortgage repayments. I left the property with the intention of selling it. When I had a valuation done the property was only worth #22,000. My mortgage account stood at #32,000. I thought I had sold the property but the mortgage providers Nationwide refused to give me a loan to cover the shortfall. I have been forced to rent the property to cover mortgage payments and as a result have ended up with the tenants from hell. The tenant has not paid any rent since July 00 resulting in me not being able to afford the mortgage payments. I am some 3 months into arrears again with my mortgage and cannot afford to pay it as I am now married with kids and have an other mortgage in joint names with my wife. It is only a matter of time before Nationwide come after me. I am worried that they will try to come after any equity in my current home to claw back some of the shortfall. Does anyone know if they are entitled to do this. Also will they go after my x fiance to try to get some of the shortfall back of her. I have been saddled with a property I never wanted in the first place and have struggled for 7 years to meet mortgage payments. Can anyone offer any advice on what I should do next.

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