In 2005 i took out a stocking loan under the guidance of my future husband i was young and foolish i worked full time and did not farm. I got a farm herd number and rented land paid for land and my future husband bought stock with the 10000 borrowed we thought this would be a good way to make extra money i worked full time also in admin. I married him later that year. The plan was to sell the stock at a profit and pay off the loan yearly which happened in the first year all looked good. Then a second loan 10000 and more stock bought. My husband took care of the animals and all paper work he had his own farm and herd number for farming things started to get mixed up and he was transfered some of the animal into his herd and sold in his name... The stock were sold and he needed the money for his own farm which i reluctanty agreed my loan in my maiden name was left unpaid mostly the loan repayments were not meet and letters started to arrive. I unregistered my herd number as all stock were sold and i was no longer renting land. I spoke with ulster bank in particular one lady who rang and emailed to try and rearrange payments i told her the story and they agreed to put it in joint names other half agreed to this accounts were send in to proof he could pay. The forms where send out to us and the payment plan was over 3 yrs and not 5 as id agreed. I emailed the lady and have to this day copies of all correspondance and emails and she said she will change and post out this was in 2013. The paper work did not come i emailed tried calling she was off sick and no one dealing with it they told me they would get back to me with information but this never happened. I got a letter in Nov saying that if i did not pay up its now 15500 with interest its going to solicitors again i emailed and rang but before christmas there came a court date to attend from a solicitors firm. I rang and put forward a plan that we were willing to do the plan over 5 yrs as planned but not finished another letter a week later to say no they will only accept the full payment as no effort has been made on my behalf to pay it. I rang the solicitor firm again and she said i have one month to make an offer she said 80% of the full amount in full may be accepted we are not in a position to pay in full im still married to this man and he up to his eyes in debt. i dont know what to do should i just bite the bullet and try borrow myself and get a settlement amount. The loan is in my maiden name im so sad i never agreed to this my husband say there is nothing they can do as no collateral was put up against this amount. i only work two days a week now and have jobseekers along with it we have 3 children together. Any advice welcome