Given that there are 3 parties involved this appears unduly harsh.
Why is this harsh? The lender did not make three separate loans. They made one joint and several loan to the three of you. They probably only lent the money based on your better credit rating and wealth.
You don't have a legal case. However, you might be able to construct a fairness case, although you have not provided any evidence of this in your post. For example you could argue that you have done your very best to repay the loan. You have made personal sacrifices. You have encouraged the other two to pay their way. You have put pressure on them to agree to sell the property thus minimising the bank's losses. You could ask the bank to recognise this contribution you have made. They have no legal liability, but they might, although it's a long shot.
If none of this works and they decide to simply call default and go legal, can the Bank go for judgement for the entire loan balance in advance of a sale of the property and then simply use the proceeds as part settlement of same in due course ?
However, you might be able to construct a fairness case,
They have no legal liability, but they might, although it's a long shot.
OP: the bank will go after all 3 of you in //.
What paperwork did the 3 of you have in place between yourselves.
Normally this paperwork would provide for such things as how the asset can be sold, how expenses will be shared etc and have a clause allowing anyone who pays out under the J and S gtee to sue the others
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