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Problem with Joint Secured Loan secured against my Property

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  • Problem with Joint Secured Loan secured against my Property

    Hi everyone, I am new to the forum and was recommended to come here by an existing member.
    In Oct 2006 apparently a Joint Secured Loan for 15K was taken by my husband and myself and the loan secured against our home. Two years later we seperated on bad terms and my husband moved from the home and continued to make the loan repayments each month until I believe sometime in 2018. The loan was taken from Welcome Financial Services and has now been assigned to Coast Financial Solutions in Newport. After the loan repayments stopped a Restriction was placed on the property I believe by Coast Financial Services. I phoned Coast Financial Services and they want me to enter in a payment plan within 14 days, there is currently 12k outstanding on the loan. Coast Financial Solutions have sent me a copy of the loan agreement and it is virtually illegible in parts as it would appear to be a copy I am unable to make any payments as my husband left me with several credit card bills amounting around 20k and I am paying the full mortgage payment.
    I have sent a CCA request and a SAR to Coast Financial Solutions to gather information on the secured loan account. Since OCT 2006 I have never received any communication or letters from either Welcome Financial Services or Coast Financial Solutions. I only found out about the restriction last week when I was attempting to remortgage
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