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That sounds like a mess waiting to happen :eek:. I don't know what to advise, other than to document everything. Why not report her as a missing person to the police. At least then you will find her and can remind her of her financial obligations.

Is she paying her half of the repayments? Do the repayments come out of the account that the rent goes into? Is there a shortfall, and if so, are you meeting it?

Do you both need to sign to draw from the joint account that the rent goes into? Do the repayments come out of the joint account and if not, is she paying her half or is she really missing, as in call the police type missing? I would be stopping her from being able to take the rent from the...