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You are welcome.

I'm sure your lender will be all ears to your payment proposal.

You do not lose anything by trying.

You can be sure it will be more, of course.

To know exactly the amount you would need to contact your lender.

Dear Sir or Madam

You are both responsible for the loan's repayment.

If she returns to Spain her assets may have acharge placed against them, yes.

In fact, the lender may sue you in the UK....