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We have Decree Absolute and, as part of the matrimonial settlement, went through the mediation process. It was agreed that the mortgage arrears would be split 70% to my ex husband and 30% to myself. However, despite the Judge agreeing this on the Consent Order, NRAM are refusing to accept it and say they were never party to any negotiations. I had been under the impression that they were consulted during the mediation, but as I was ill, am not certain. Is there anything that can be done now to split the debt as per the Consent Order and would it be prohibitively expensive? At present it is looking as if I am going to have to pursue an IVA or bankruptcy as the 100% joint and several liability is pushing my debt threshold over the edge. Thank you for your help.