Viz the last bit, they chase both in theory but in practice they go for the easiest target and/or the one with the most cash.(posted 8247 days ago)Get your friends to a solicitor for more advice. They need to come up with a realistic - and I stress realistic - plan to pay off the arrears in order to keep their property. Under recent case law a magistrate will not normally grant a repossession order if there is a realistic and acheivable plan to pay off the arrears. I think this is called the Norgan rules but someone else may add some more detail.
Good luck
Andy