Thanks Brendan for the advice, I am in the process of talking to a PIP and contacted Abhaile but they never rang me back!
I don't know where my ex is living now, only that she is from Finland and has dropped all correspondance with me for nearly 9 years now.
I am therefore liable for the whole loan, but BOI won't talk to me either,I have asked for a case worker countless times but to no avail.
I went to 4 solicitors so far, they just charged me the visit and i never heard from them again.
Thanks again