Welcome to Just Answer
I am a Solicitor and will assist you.
I can confirm that if the loan is in your ex wife's sole name then the creditors will only be able to pursue her for the payment of the loan and not you.
That being said - as you have a verbal agreement with your ex wife that you will pay half - and if you stop paying - then your ex could submit a small claims court action against you - for the monies that you had agreed to pay her.
Let me know if I can help you further
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Thank you for your responses.
The verbal contact that you have is not actually anything to do with your marriage. Should you decide to divorce then either of you could make a claim in respect of the matrimonial finances and this would include the matrimonial debt even if this is her sole name. This would deal with the debt in the overall division of assets.
If however divorce isn't yet on the cards - this doesn't prevent her issuing a smalls claims for your half share of the debt and given that you agree that there is a verbal agreement then she would likely be successful.
it is a good thing that you have a paper trail of the monies being paid even if it doesn't have a reference it is still evidence that you are paying your share to her.
Do let me know if I can help you further.
What is the income position for both of you?
do you have any minor children together?
are there any matrimonial assets?
If your incomes are the same then you are going to probably struggle with spousal maintenance - that goes the same both ways.
You need to be looking at a clean break agreement in respect of the matrimonial finances to prevent any future claims.
glad I could help :-)