I don;t know if they can legally add on the remainder of your ex's shortfall on to yours but I would send a SARN letter to the lender and it might throw up some useful information.(posted 7032 days ago)If your circumstances have changed to the extent that you are on benefits and have no assets (like a mortgaged home) then you might want to consider making them a F & F based on these circumstances. But don;t do this before you get the info from the SARN.
Hope this helps a wee bit!
Moira