I have been living in the rented flat for more than 6years now and always paid the rent on time without any delays. My company helped me to find the place as it was closer to the workplace and agreed all paperwork such as contract. The rent I pay is £550 per month and it is paid by Standing order.The deposit of £575 was paid to my landlady in advance when I moved to flat in March 2004.
In October 2009 I have noticed leek in bathroom which was spreading rather fast and informed my landlady within 3 days of this happening in writing. Four flats on ground floor have been affected and situation within last 9 months has worsened quite considerably. We have mouldy walls, tiles are coming out of walls. My neighbour opposite me has been renting flat too but because her landlord is her friend she stopped paying rent back in January 2010. Insurance company got involved and they had been sending various people to come and inspect situation, no leek has been found yet, no official report written.. We have been obviously nagging insurance company to move things faster and in January 2010 we had ventilators brought in to dry walls despite them not finding leek yet. Nobody could advice us on higher electricity consumption, I only made notes how consumption increased. We had to stop these in March as I developed skin problems from the bad conditions in bathroom and my neighbour had pneumonia. I met with landlady last week and was asking for a reduction in rent(as I don’t want to be in loss but I still want to move out soon) and we had discussion how bad things are. My work tries to help and they written letter confirming there should be a reduction in rent given that I live in subsidised conditions for last 9 months. She promised to call my boss but did not. When I called her yesterday she said she wont give me any reduction and wants to sell the flat. Could you please help me with advice what are my rights as I have been far too nice, available for insurance people just to come and go and take tests from walls, paying rent and now being sick and still paying full rent. If I stop paying rent she may hold my deposit, I just do not know what to do… THANK YOU ALL FOR READING THIS LONG PROBLEM.

My Husband has always gambled since before I knew him 10 years ago! He kept it hidden for the first year of being together. He stops for months at a time saying he will never do it again but always goes back to it! We are married with a 4 year old and a 14 week old. It is now the worst ever! We have NOTHING!! He has lost everything. We drive around in a car that probably isn’t safe for small children with illegal tyres! My family won’t have anything to do with him but don’t know he gambles but know I am unhappy. His father owns our house and we rent it from him but haven’t paid rent in months so he now is thretening to sell and I can’t blame him! We honestly don’t have a penny so feel trapped because I couldn’t leave if I wanted to as have NO money! Can’t get any credit a srating soooo poor. I do love him as when not gambling the nicest person I know but when gambling a horrible bully. I can’t take it anymore but what can I do? I went to the citizens advice bureau but they just said sort finances out first! But I can’t!
What should I do? Please don’t answer if not trying to offer serious advice as at the end of my tether.

i work in surrey at the moment and own a house in mansfield. the people who i rent the house to have gone on holiday. i came back to do an inspection on the place and to my horror a 6 foot high fence has been erected along the entire length of the boundary line between the two houses, thus, blocking off the access to the back yard for my car. the fact that the house has/had off street parking and a functional garage was a major selling point and i fear i may have lost value on the house.
so do i go to the council or go to my solicitor. should i confront my neighbour directly? any input would be much appreciated.

i have been married for 2 years and I have a beautiful little girl who will be 3 in june who is the world to me.
my problem is this, my wife even before we became "serious" has always relied to much on her mums opinion and will go along with whatever she says. If ever we fell out even over alittle things she would go and stay with her (which is over an hours drive away) until I apologied. You see, I’ve always given in to whatever she wanted and I have built a rod for my own back.

We have been having financial problems lately and she now wants to sell the house and move all 3 of us in with her mum and dad. It was my home before she moved in with me and I love it dearly. The money problem could simply be solved by getting a lodger as we just about break even each month now so an extra £250-£350 would be plenty plus I have a new job in which I work a fair amount of overtime which pays quite well. I have also offered to rent the house out and move in but she just wants me to sell.

Also speaking to my mum (and not making her aware of any of this) my wife told her that HER MUM wants us to sell the house and move in with them.

What are your thoughts?

if we were to move from scotland to dublin , would our debts follow us ???? we have no debts apart from our mortgage.
my partner and i are moving to dublin, hopefully at the end of the year, orginally our plan was to keep our flat here, and just rent it out , however northern rock will not give consent to let, we both have had job offers over there that we have had to turn down , we are both graduates and are struggling to find decent jobs here in scotland. we are completely stuck , we cant get decent jobs here, but we cant sell because we are in negative equity ??????? considering just handing the keys back to northern rock , really dnt want to do that as we can afford to pay the mortgage and finance another flat in dublin but we just dnt have any other options that i can see
problem with just renting anyway, is being in another country we would need to use and agency to rent thro and they all want documents to prove the right to let

why am i such a waste of space ?
ive left my ex after 7 years-hes telling me i have to pay his rent til january ive already paid 90 % of it for the last 7 years. before that the guy i was with sold the house we had behind my back and recently was boasting on facebook about the larger bigger house hes bought. i just feel completely and utterly crap i have very few friends. all our muual friends have shunned me. i am now in debt management because of this guy and hate myself. im very shy and quiet and dont make friends easy i just feell trodden on. i hate myself and dont know what to do please help thanku xx

Initially they put in an offer in October, no exchange dates have been set, I’m beginning to think I might have to rent, which doesn’t really suit my purposes – I was going to clear all my bills with the house sale and buy a much smaller house or flat outside of London.

I have a mortgage with my ex boyfriend. We have been separated for nearly 2 years now but he still lives in the house. It was a messy separation and he was very difficult and wouldnt do anything to help our situation at the beginning.

Eventually I manaed to get him to agree to sell the house and put it on the market but then the market crashed and the house is still for sale.

I am with someone else now and have my own rent to pay so I cant contribute to my half of the mortgage which I dont. My ex still lives in the house (because he refused to moved out) so he now pays the full amount for the mortgage on his own.

I want to put the house on the market with another agent because the one its on with now havent been able to sell it in over a year.My ex wont do this and says he is happy with it being left on with the ones its already on with. Can I do anything about this? From day one he has been obstructive with selling the house but do I have any rights or any say even though I am not paying my half of the mortgage?

Secondly, once we sell the house, can he leally try and claim any repayments back that I havent made over the duration of the time we have been separated?

Hi, a few months back me and an old work colleague were going to rent a house together meaning the cost would come to around 350GBP for me a month and same for him, we went to view a local property and after talked and agreed to go ahead and rent the property, To rent the property it meant i had to sell one of my latest mobiles in a local cash converter’s, as i was doing this he was outside on the phone speaking to the letting agency (selling the mobile give me enough money for 1/2 the security deposit), he then came in and said he would drop it by on the way to the letting agency as he walk’s past it to get home, due to being a work partner i trust him.
a few days later i enquired how it was going and he started making excuses, i contacted the letting agency and they had not recieved the money or a phone call since we had viewed the house.
what can i do? im 150GBP out of pocket, im 19 and he’s around 28. pleaasseee help! thanks

Hi everyone,
Last week I posted a message on here re my partners money worries and that I didnt know how much he really was up the eye balls so to speak.
Well the weekend just gone, he drafted a spreadsheet with everything outstanding, and I can tell you that I was totally shocked to see what it was in total.
He has 6 credit cards, adding up to around £10k, then he has an additional £28k from a remortgage years ago that he is still paying off, he said he was offered the loan, and didnt really need it but used it over 3-5 years and now still owes it back after all these years. So there are 7 loans to pay off. Additional to this £30k worry, he also has a house to sell which is mortgaged for £239k which includes another remortgage loan of £35k. Alongside this, he also has a car to sell which is on a balloon payment and is costing him £475 a month, and needs to sell this for 16k so he can at least make a 1k out of this as now he has a free petrol car company car which makes a huge difference.
We are trying to sell this house which is tied with his ex as well and both are desperate to sell. We will sell one day hopefully!

however this weekend I have been feeling somewhat depressed, frustrated and almost at a low knowing he has £30k hanging over him. I asked him how he can sleep at night and where this money has gone over the years, he said he cant remember, drink, holidays, clothes, going out etc…….I am still overwhelmed to this day……

What would you do, I have said I will still pay the bills ie tax, water, electricity etc while I am living here with him but not the mortgage payments. I already have a flat rented out at the moment which is ticking along nicely with no worries at all…..but this is hanging over me re his house, his payments and his loans….its horrendous and to be honest the worst I have ever encountered. This has got worse since the ex left in Oct last year, she use to share the mortgage, but the 7 loans I wasnt aware of and I reckon neither was she.

If my parents knew how much he had, they would tell me I think to leave and not to get involved…I am worried too….by the way he is 41 years of age!

I am only 33 and feel for once in my life, its getting on track but being with him re money, I feel I am going backwards….he loves me dearly, cooks for me, is always there, doesnt go out anymore or drink for that matter and now he is wants to settle and prove this life to me that he is a good person which I know he is, its just the money?!?!?

any suggestions…..

thank you kindly, at least now I know I much we are looking at.

The next step is for us to rent together after the house is sold, but for me I might just buy myself and he can live with me, I am not getting myself attached in any financial situation. I said he needs to prove to me he is capable of working through these finances and that after that once its done we can then get a mortgage together. I know I love him but I have to be wise!?!?!

thanks for reading xxx