If a mortgage is in joint names, regardless of whether it is residential, commercial, or buy to let, both parties are jointly and severally liable for the whole mortgage debt to the lender.
If one party pays the whole mortgage and the one agreed to pay half of the mortgage but doesn’t, the paying party can recover the other half from the nonpaying party.
If the nonpaying party was the one who got the mortgage statements and simply did not share the fact that the account was in arrears, that is unfortunate rather than illegal.
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