4. I assume your ex changed ownership to tenants in common so he could leave his share in the house in his will. Do you know who he has left it to, because you will have to liaise with them after his death to make arrangements to sell? If he has not made a will, his share will be left in accordance with the intestacy rules � see here:
http://www.direct.gov.uk/en/RightsAndResponsib ilities/Death/Preparation/DG_10029802
5. Does your ex have life insurance to pay the mortgage on his death? If not, I assume you will not be able to make the payments so the mortgage lender will have to be told what has happened & asked not to take any repossession action in order to allow time for you & the other part owner to sell the house. (If you can possibly do it, it will be better to get the house sold without it being repossessed by the mortgage lender or by Welcome. If either of them sell it there will be a lot more costs & a lower price.)
6. If the house does not fetch sufficient to pay off the mortgage then the mortgage lender can ask you to pay the rest, but if there are any other assets in your ex�s estate they should also be put towards his % of the shortfall. Ultimately, you could be responsible for any remaining shortfall & if this happens should get an experienced debt adviser to help you, because this sort of debt can often be dealt with in a way in which it does not all have to be paid.
7. I'm puzzled that you say a second mortgage appeared on your credit report. Are you sure the entry refers to a mortgage? Is it for Welcome or for someone else? If there is a second mortgage then it will rank above Welcome�s charging order when the distribution of the house proceeds is made. If the second mortgage is Welcome�s then it may refer to a different transaction from the charging order on