We got a letter back from Apex. Quite the lengthy one too.
Apparently having a charging order against our house in my name for the full amount doesn't stop them chasing my wife for it.
"this has no bearing upon your liability to repay this outstanding balance"
"entirely within current legislation to request that a joint party repay their outstanding balance when the other joint party has had legal action taken against them in relation to the outstanding debt, provided this debt has not been paid."
They also state that Natwest have not told them to stop chasing so they won't. Perhaps a delegation of responsibility there.
They do say we have offered to pay in the past £1 per month, we did write to them twice, both letters were ignored, but we've never paid them a penny despite what they say.
I'm finding this one quite a bit more difficult than the others.