Bank loans and credit card help

I left my wife in February 2011 and since then I have continued to service all our outstanding debt.

The debt currently stands at:-

£14,000 bank loan in my name only
£6,500 personal loan for the purchase of a car which my ex wife still has full use of
£4,000 on a credit card in my name only
£2,500 bank overdraft on a joint bank account

Is my wife liable for any of these debts as all were obtained during my marriage and to a degree she had access to the benefits of them.

I have investments which are in joint names and would like to surrender them to clear the bulk of the above. Would I have to give her half of them (I can prove that I have always paid them).

Many thanks for any help

The answers to this are rather more complicated than you might think. We need a lot more information. We need to know length of marriage and cohabitation, ages of the two of you and any children, your respective incomes and all your assets and liabilities.

What shouldn't happen is a piecemeal sorting out of debts and assets. You need to sort everything out at the same time.

Thank you for the reply

We are both 46 years old

Our son is 9

I earn circa £36000

My Ex is on lower rate disability but I know she has a job earning cash in hand.

We have two properties, one worth approx £220000 with a mortgage of £115000

One worh £135000 with a mortgage of £116000

Loans are as stated.

I have 2 invertment policies worth approx £22000

I am unsure of my pension valuations
Hope that helps?