[Brooke M]

i had a mortgage with my ex husband, he left three years ago, and i have been paying the mortgage on my own, but split our first plus loan £125.00 a month each. I want to hand my keys back to my mortgage company (northern rock) as i cannot afford to pay the mortgage pay half the loan and pay a pay plan payment to pay off old debts which is £100.84 a month? I want to know if i give back my keys to my house what would happen to my first plus loan? my mortgage is £100000, my first plus loan is £24000 and my pay plan £8000 my house is probably worth £130000??Any advice would be really helpful.