If the house is repossessed, you would normally find that by the time the solicitors and agents and auctioneers have taken their money, there would be very little left. If there is, you would get half each.
Meanwhile, you are entitled to re-enter the house and as it is in your name also, you can break in you wish or use locksmiths. If you are going to break in, you are entitled to charge him for any repairs but if doing that, I would urge you to call the police before doing so the X cannot cause trouble by alleging violence or criminal damage.
You can make an application to court for an order for sale to make himself a house but there is no legal aid and hence you would be faced with paying the court costs yourself initially although you would normally get those awarded against him in your favour if he simply refuses to sell.
The best thing that you can do in circumstances like this, you are not able to initially fund the legal action and you can get a solicitor to do it on a no win no fee basis, is to tell the lender exactly the situation you are in and how awkward the X is being.
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