Thanks for your reply PeterB.
I haven't rented out my place as I've a long work commute, >2 hours each way.
I'm spending 2 nights a week there, but I will have to look at renting it.
I thought that being married would change her 'financial circumstances' in the eyes of the bank, and they would hound her over this.
She's had to take two pay cuts and is not making ends meet and I am barely meeting my outgoings.
Her bank have mentioned to her a few times on the phone about borrowing from a relative or close family member, to clear the arrears.
I thought if they knew she is married, they would hound her on this.