Chris,(posted 7764 days ago)I gave you some duff gen on the 50% liability bit. The following comes from a solicitor:
Joint borrowers are joint and severally liable-either can be sued for the full amount. Part payment by a seperated/ex partner does start time running afresh (limitation period) for that person and all other joint debtors. This is specifically stated in s31 (7) LA '80. A part payment affects and binds all others liable incl guarantors. An acknowledgment by a joint debtor only affects the person making it and not any other joint debtors.
Mark.