Hi, my de facto ex-partner and I split 2 months ago and we share a personal loan together. Since she left, she hasn't paid her share of the personal loan. I have called the bank and they said they can't split the loan unless we get two separate personal loans. I could probably do this but she is unemployed as far as I know and she won't do that. She refuses to have any conversation with me and doesn't respond to my emails. I just wanted to know what my options are because I don't think it's fair I have to pay out the full loan or have my borrowing record tarnished because she can't be bothered with it?