Hi there. I am a joint mortgage holder on a property 100k in negative equity. I have moved out of the house but have paid my half of the house since 2008. The other party was doing the same until last year. I only noticed we are -10k in arrears when I checked my online account today. I was not notified or contacted by the other half of the mortgage holder or bank. How can they hold me equally responsible without giving me the chance to work out a repayment scheme with them. The fact I have not had any opportunity to sort out a solution without it getting this far is surely against my rights. Do you think I can appeal the decision and ask the bank to delete my name from the ICB records. If and when this matter is resolved the other person will need to move out of the house so we can rent it and have a garaunteed income that covers the mortgage. For now I need to clear my name. Please Please help me. Im so upset and angry.