I am afraid your the one who is making assumptions, the majority of people on this site have at some time been repossessed,therefore unlike you do not hold credit cards or have access to credit. You say your wife left 15mths ago and there is 15mths arrears, well why havent you been paying the mortgage since she left, or did you expect her to pay it for you whilst you were living there. Dont say the Woolwich wont accept it (I paid the mortgage on my family home for 3years when my Husband left, that was soley in his name, THe B/S are not aware who is paying it) Just pay off the arrears and keep up the payments until your Divorce. To know of the arrears and pending Posession hearing you must be aware of the account no etc and probably still receiving the mail for your wife at that address. Stop feeling sorry for yourself.(posted 7824 days ago)Also remember when you come on to this site to ask for advice, whatever advice anyone is giving you is only their personal opinion.
PS. You sound like a person with a very negative/wimpish attitude and i think i can understand why your wife looked elsewhere.