How can I clear my name?

if it was a secured loan in both your names, then I'm afraid there's nothing you can do.

However, if the debt is purely in your friends name, I would place a notice of correction on your credit file - stating this loan is in you friends name with this bank. It was secured on a property you both took out together and are no longer financially linked.

Doesn't sound good and she doesn't sound like a very good friend either.

Oh dear that sounds really complicated. I know you said you have previously been to court but have you ever sought the advice of a solicitor? Obviously that advice probably wouldn't come free but a lot of firms have free clinics that may be able to assist you. Although you were just friends, I suppose it was in affect a partnership of sorts and I believe that is probably why the mortgage lender will not remove your name from the agreement. I really hope you are able to get something sorted as it must be terrible having something like that hanging over you and feeling helpless about what you can do about it.

she doesn't sound like a very good friend this is what happens when you put your faith in others you have to ask yourself a very important question who realy is your friend

I know it won't be much consolation but debts come off your rating after a set number of years. I think it's 12 in the case of mortgages/reposessions - not sure if your problem comes under that exactly. So, if you can't get this sorted (and I do hope you can) it won't be with you forever. Cold comfort - I'm sorry I don't have a better solution.

wish there was something i could offer to help you but i am afraid there is little you can do, i am very sorry to hear about your problem though

As it sounds like she consolidated her debts into the mortgage, once she did that it all became joint unfortunately. I would contact the Consumer Credit Counselling Service (www.cccs.co.uk). Although this a debt advice charity and you may not see yourself as being in debt, they will be best placed to offer you advice on how to proceed.

Can't your friend remortgage in her sole name and remove you from the debt? £13k doesn't seem much as a mortgage - I assume the loan is against another property now the first one is sold?

It's a sad position to be in but as you signed the agreement as the law stands they are your debts as much as hers now. The best port of call and cheapest is CAB or for a more comprehensive but expensive solution consult a solicitor.

i dont think there is anything to do other than try to regain your friendship. sadly this is a common situation, you agreed to this and therefore in the eyes of the laws you agreed to this possibility. poor you!