HELP AND ADVICE AFTER REPOSSESSION 5 years on

Hi, i have been searching around on the internet trying to find information. In 1987 i was a single parent living in a council house unemployed on benefits, i met my ex-partner a year later and he moved in with me. My ex was working and decided it would be a good idea to buy the council house. As the home was rented in my name, my ex was unable to buy the house, so therefore even though i had no income he could be a guarantor. (The house was in my name and he was the guarantor). To cut a long story short the house was purchased in 1990. We got engaged had a child, so now i had two children. After many years the relationship broke down and he had many debts, i had a part time job at this time. He left me and stopped paying everything. Due to distress i stopped my part time job and applied for benefits. The benefit money did not cover all of the mortgage, so therefore the house was repossessedin 1997. After the court hearing i received a letter to say there were no costs and i continued with my life, I moved back with my mother, and now have since got married to a lovely man. Yesterday out of the blue i got a letter addressed to me,at my mums house, not my current address, from a recovery debt dept asking for £11,890 i nearly fainted with shock because i knew nothing about this till now. They say after the house was repossed they sold it for a cheap price and including solicitors bills there was a shortfall. They say in the letter, we understand that you cannot pay all this money at once and they enclosed forms to fill in to do with my earnings etc. There is no mention of my ex the guarantor. I am a house wife at the moment, i am stressed out. My ex has not even paid maintenance, the csa say they cant find him. Is my ex responsible for this debt he was guarantor? Can the debtors recover the debt from my husband? Please help if you can.

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