help what shall i do

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i have got a repayment mortgage with natwest myself and my wife divorced 5 years ago her name is still on the mortgage as we had arrears and natwest would not take it off but soliciter signed it over to me as it was and still is suffering from negitive equity.however i can no longer keep up the repayments as monthly salarry is very poor i have already been to court once [suspended order placed on the house] i am now staying with friends does anybody know what i should do and what will happen and will i still have to pay council tax,gas ,electric ,water,ect

-- v richards (www.bnessa@cwcom.net), December 22, 2000

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