thanks for your help. As I understand it then my sister would have to continue paying it whatever happens then?

Although the loan is in both names it is for his debt so would that qualify as part of an IVA? Also could any creditors go after her home, or would it affect her credit rating?

My sister separated from her last year (they are still married). They have sold their property and all that is outstanding is a joint loan (which was to cover his debt). He is unable to pay due to loss of job and my sister is unable to keep meeting the high repayments every month. If he applies for ...