me and my partner bought a house on ftbi 8 months ago. we’ve now broken up. when we first moved in i paid the mrtgage 425 a month and he put the same amount in the bills account. i lost my job in august so he’s been puttin 425 in my bank to cover the mortgage and ive been using my 200 from job seekers for bills with my savings. my savings ran out but his friend moved in in october paying 200 a month. So my 200 and his friends 200 a month was goin in the bill account. But he’s recently had to move out. Me and my partner decided to live together but i cant do it anymore. he broke up with me about month ago but we still argue about once a week cos im finding really difficult letting go and i can’t come to terms that he doesn’t want to try again. Besides us not sleeping in the same bed it still feels like a relationship and its killing me having to see the man i love everyday and not be with him.

None of us want to sell. we love this house, and on our wage we would never be able to buy a house again. we was lucky to be able to do the first time buyer scheme which wouldnt be available to us again as we wouldnt be first time buyers anymore.

He’s said he doesn’t want to move out and that im the one with the problem, but he doesnt understand how hard it is for me to see him everyday. he doesnt have feelings or love me anymore so its alot easier for him. He’s mentioned buying me out but on his wage are 770 a month. our mortgage is 425 and bills on his own aound 270 theres noway the mortgage company would allow it. It was a new build house so we bought it at 125000. house prices were falling and for that much you could buy a bigger house for 125000 but we couldnt because the 1st time buyer scheme only works on new houses so we had to pay this price. If we sell we will be thousands of £s of debt because i dont think we would get 125000 or more at the minute. We cant rent because of mortgage restrictions. I cant ever get over him if i have to see him everyday, wonderin if we;re gonna get back 2gether or if he’s seein other girls when he gets home from work late. I was goin to move out but he still wants me to pay 200 a month as its not fair on him, which i suppose is right because the mortgage is both our responsibility, but at the same time its not fair on me, he gets to ive in a 3bed house whilst i have to share a bed at my mums. Leaving this house is goin to be the hardest thing as it will make things definate that we’re never going to get back together. What can i do?????????
If it was the case of only buying a house you can afford on your own most people would never be able to afford to buy a house. You buy a house together thinking you’re going to be with that person forever. And just because we’re not legal and not married doesn’t mean anything. We would still be in the same situation and not everyone gets married nowadays. We was together 5years and lived 2gther for 4 years b4 we bought this house so we didnt just buy this house on a whim or because "we need to grow up".

My boyfriend and i used to live in a penthouse apartment with a big balcony next to the citys park and river. it was the most amazing place ever. we rented it for £650pm. We decided to go into a career of property developing, before the market crashed obviously. We planned to do it up and sell in 3 months + we would carry on renting. However the market did crash and we couldn’t sell the house. The house is in quite a badish area and i hate it now. We had to leave the aprtment and move to the house. The mortgage on the house was £850pm and it is tiny – small 2 bed semi – I lost my job and we got into debt a bit. We took the house off the market before the home info packs come out as we couldn’t afford to buy one. We have become depressed stuck here and it is a nightmare living in a magnolia box just for when we put it back on the market. For an xmas pressie for my boyf i did some overtime and saved up the money for a home info pack. but now the interest rate drop has made the mortgage £630pm and i don’t know what to do. i haven’t got the h.i.p yet and my boyf is talking about staying and decorating it to how we like it. i know he is saying it because he thinks were stuck here. we used to be happy, have friends over for bbqs and partys live just like we wanted to. and now people rarely visit cos the house is further away and smaller. friends and family both. I have tried to arrange to get back into the apartment but there is someone else living there now. I don’t know what to do cos if we did move out we’d be paying more in rent probably. I just can’t bear this house. Not only have i lost the apartment ive also lost my career plans. I am so unhappy here but have a feeling that if i moved elsewhere i still wouldn’t be happy. I don’t want to plan to settle down here like my boyf seems to now want to. Will he be angry if i just got the h.i.p and marketed the house as a surprise? i feel like crying:(

I’ll try and keep this as short as I can because it is complicated. I used to be friends with a lady who lives in this building where I live, but this is before I found out what kind of person she is.
We used to hang out for coffee mornings with the other neighbours, talk about work etc and got each other through some difficult times. We did what most friendly neighbours did; buying birthday gifts for each other etc
But one day I made a terrible mistake that goes against my usual sensibilities. I was always taught "neither a borrower nor lender be" and always stuck to that, but on this particular day a few years ao, I was in a jam. I had been laid off from my job and was stuck for the rent that month.
She offered to help out and I refused, saying that I would try to find another way to pay it (maybe sell a piece of furniture or other item) but she was very persisitant. I told her that I didn’t want to do that because I didn’t know how or when I could pay her back – she told me not to worry about that. She pushed and pushed telling me that I could pay it back whenever I could and that it didn’t matter. So I caved and took the offer.
It was hard because I couldn’t find a job right away and I was receiving unemployment money, so I paid her in dribs and drabs as best that I could each week. Then one day things changed. I received a note under my door asking for the rest of the money. I went down to see her and explained that I was doing my best to pay it back. She seemed okay with that. Then came emails and notes containing things like "if you want a peaceful life, if I were you I would pay it back. I need the money". Each time the notes became more threatening, insulting and nasty. I kept them all in case things got worse.
I landed the job that I have now, and was in training. She came into the store and threatened me and my job but she did it in a way that didn’t draw attention to her, so no witnesses. When I got home, I called the police and showed them the notes. She was told to stay away from me by the police and the landlord – it didn’t work. The notes kept coming. She was becoming a bully.
When my tax rebate came, I paid her the rest of her money. But that wasn’t enough for her. I came home from my mother’s birthday last year and there was another note under my door but it was just insulting and dragging up things from the past – she was picking a fight because she had nothing to pin on me anymore. I lost it. I was so tired of the notes day after day, month after month that I took the note and threw it down the stairs where he front door is and yelled "Stop with the notes, you f***ing b*tch". She came out and there was a massive argument and I was telling her that she’s got her money so she has no reason to even talk to me anymore let alone give me notes. That was the end of that – or so I thought.
My cat died last week and people around her knew how upset I was and I received a sympathy card from her under my door. I sent a thank you note – because I was always taught that is the polite thing to do and now, in her mind, she thinks we are friends again. I think otherwise, because I think she is a sociopath and do not want to be friends with her again.
At the weekend, I received another note from her inviting me to take a break away somewhere in August! I do not want to, as you can imagine and I don’t want to make excuses because I don’t think that will make her stop. I want to tell her why I do not want to go without being nasty or insulting but don’t know how to drive the message home.
Any reasonable suggestions are welcome – what would you do?

Thank you in advance and sorry that this is so long, but I had to let you know what I am dealing with here.
To Joel; she knew my situation when she insisted that I have the money and as I said in my post, I DID make payments to her, so she knew I intended to pay her back or I wouldn’t have done that, would I? I was unemployed and couldn’t find a job that would pay enough to live on. Read it again.
Thank you all for your help – I will take all of the advice into consideration.

To Jay; I live alone though and rent and this was the cheapest place that I could find to live. I do like it here and have been here for 5 years and I still only earn minimum wage. I not only cannot afford to move but also I don’t see why I should let one person bully me into leaving when I get along perfectly fine with my other neighbours. Thank you for your response though, I do appreciate it.

iv got a chance to move to a property owned by my mother which she is selling and renting back to me. I will be leaving a housing association house, which iv never been happy living there. i really want to move but very worried about moving on incase i make a mistake, and renting private. I have been told it would be long term, but still worried. can anyone give me some advice about this?
my mother is selling to a buy and rent back scheme so i would be renting from them, they are regalated by the F.S.A.

Somebody knocked on your door and asked how long you were staying for?
Let me explain, i used to live in an amazing penthouse apartment in the middle of the city, i rented it with my boyfriend and we lived there for about a year and a half. we loved it but while we lived there we decided to start a career in property developing. we bought a house and planned to carry on renting while we did up the house and sell it. we only planned to keep the house for 3 months but then the market crashed and we were stuck with the house paying rent and mortgage. we coudlnt afford it and had to move out of the apartment. We both are now so depressed living in the house and really want to move back to the apartment.
It was a year and a half ago now and i text the landlord a few weeks ago to ask if the apartment is free. He said he would ask the lad in there and let me know and would love to have us back there. He never got back in touch tho and i don’t want to mither him.

So i want to know if i should go to the apartment and knock on the door and ask the lad myself. is this too cheeky? I was just going to ask what his long term plans were as were not ready to move for a good while yet anyway. I dont know if i should write him a letter leaving my mobile to get in touch or wether i should just knock and ask in person. I really want to move back in but am worried he is just gonna tell me to get lost. what do you think?
18 minutes ago – 3 days left to answer.
Additional Details
4 minutes ago

i relly dont want to put it like that. ‘when are you leaving.’ i just want to ask he is thinking of staying for a long time or not. he wont be living there forever cos hes only renting it.
0 seconds ago

i was also thinking of just going there as an excuse like some mail has been delivered there and while i am picking it up just have a casual chat about his rental. nothing serious just.. do you like it here… how long have u been here…. are you planning on staying.. would that be better?

hi everyone
iv been writing to you all over the last few nights trying to figure out should i leave my husband, and i have to say i got all the replies i deserved to hear, thanks, to all those who did reply.
i confronted my husband today and gave him an ultimatum, aswel as telling him i wanted our marriage to work,
the main issue was that he will not put my name on the house he bought that we live in and have a child here too, so i asked him today would he rather seperate or work on the marriage, after some himming and hawing and a few accusations that all the arguments were my fault, he didnt answer entirely as to which choice he wanted to make..
when i explained to him that the arguments were all down to not putting his wife’s!! name on the house entirely for security reasons, he couldn’t give me a straight answer as to why not do it…
anyway, i went on and on about how he would feel if the shoe was on the other foot and it was happening to him, how secure would he feel, how unloved and untrusted would he feel, i know in my heart and soul the had i bought a house 3 months before we got married even if he had no money to put towards it, his name would have definitely went on it, as i love my husband and would want him to feel he has a share in all my stuff, and as getting married is suppose to be a joining of two people, i know i was stupid not to keep my eye on the ball when he was buying the house and should have questioned him then as to why he was leaving me out… but i trusted him. and am not really good when it comes to business etc..
in the end of the discussion!! i said what i has to, that if he does want to make the marraige work that my name would have to go on the house or else i might aswel go out and rent my own place, i might not own it but at least i can take out a lease and that is in my name, and have the security i need,
at the end of the day i told him, you can kick me out of your house when you want or sell it when you want and i get no say.. so i told him i would leave him to think about it and that he can get back to me when he has made a decision.. that was at least 9 hours ago and he still hasn’t come back to me with any decision…he thinks he is playing hard to get and making me sweat, but that do not appeal to me,, i couldn’t be bothered with games!!
im still stuck upstairs in my room and hes is still downstairs with no effort made at all, i am so tempted to go down and tell him iv made the decision for him, seeya!! but money is an object in the way at the moment, i will need at least 2 weeks to come up with whats needed to rent a house for me and my child..
iv no problem sticking it out till then but what i need help on is…
am i being a fool, a doormat, an idiot, does he deserve me and do i deserve this treatment..
thanks

A friend has lived in his flat for 4 years, had 2 of his 3 kids through out the time, from the day he moved in his neighbors harassed him, the agency told him that he was picked over many people to rent the flat becuase 4 flats above him all have the same MEXICAN AMERICAN families, all related, all kinds of problems, he had no idea, yet the owner who actually owns the whole building has her son live across the hall and from time to time some of the younger in the 30s relatives visit him.

Incident one:
while moving in he put things in the hallway taking then one flight up to his flat, the neighbor whos son usually parks his bike downstairs and chains it to the rail complained that my friend better not leave a bike in the hall, he told me he asked her whos bike that was parked now since it was sort of in the way while moving, she ignored him, later he found out it was her sons!

Incident 2:
He went to check the mail box downstairs leaving his door open a crack, they stole his bike before he returned to the flat, they obviously kept an eye on his door from upstairs while in there own flat above him, it took 20 seconds!

Incident 3:
His wife returned from the supermarket with the baby wagon, as usual she too the baby into the flat but before she returned to bring the wagon into the flat her bag plus some groceries where all missing, leaving her to go to the police to claim her stolen ID, 20 euros and a hassle.

As this went on my friend finally spoke to the police and discovered that while they have records of arrests and even warrants of drug dealers living upstairs who are connected to gangs in the United States and Mexico, they said that the owners of the building themselves have always done illegal things behind the rental agencies back and that this flat was a force rental, in other words after surveillance the owner HAD TO RENT it, they lied pretending it was occupied by her other son while un true., so in fact they want my friend and his 3 kids out too and he has done nothing wrong.

Top that off he placed a IP camera in the window with night vision and recorded these people messing with his lock, trying to open the door as well during the day and even trying to come through the window., and that these people upstairs from them sell drugs at night clubs too and probably know the police.

So it seems that the owner of this building can buy the local police in barcelona spain with just 1000 euros and they will do anything beyond the law, her son has another relationship with the neighbors behind his moms back while the agency claims they have no idea whats going on and calls it all illegal and the police do not know what to do and refuse to watch the videos!

Recently the building itself almost burned down, my friends wife called the fire department and they found out no one has inspected the building since the 1950s!, the fie which burned through the wooded fuse box happened becuase a store front added a line in the hallway lights, so to avoid paying the bills on record, when the owner hired someone to finally change the electrical lines in the building the agency sent letters to all tenants fallowing the legal procedure, but the job went on illegally for a month, random shut offs of power causing 3 peoples hard drives to die, even cable boxes, he video taped the electrician in the hallway look! http://www.youtube.com/watch?v=JcpepgnsKtw and this electrician penciled in when he was to shut the power off on the notice for the work in the hallway so he changed the time and date as he went.

its about a small hat shop and it was going to be sold and the went up stairs and found loads of painting from when the shop owner was a boy and he desides not to sell thee shop but to paint pictures and sell them to pay the rent, and then he is going to a local fair and set up a stall to advertise his shop i need help finishing it this is some of it

“So… How are your computer and designing skills?”Geoff asked, she turned to look at him, she smiled“ What? I’m good on the computer; well it depends on what you want me to do” she replied, he pulled out of his pocket a leaflet for the local fair, coming Sunday, “Can you make a leaflet advertising our shop? ill ring this number to book a spot in the grounds, its Friday today we must choose some of our best hats to take with us, I think I’ll go out and buy us a computer and printer get busy thinking up ideas and I’ll be back soon. The next day Geoff and Louise were at the shop by 9 o’clock sharp, Louise was straight on the computer and straight to work on designing a leaflet, on the front page in big letters it spelt out “Hatopia!” in bright colours and a hat above the “I” and inside the address of the shop and pictures of all the hats and information about the shop, she printed one off for a example, she showed Geoff and asked him what he thought of the leaflet, “You are good on computers. Ok print of 40 and then get them ready for tomorrow, I have chosen the selection that we will take down, anyway how would you like to be in one of my paintings?” he asked holding a ladies winter hat he put it on her head, “Perfect do you want to be in a painting to be sold tomorrow?” she looked at him and she had a smile ear to ear,” what like a model? Yes, yes I would,” she pulled the stool to where she was and sat down on the stool with one hand on her hip and one hand on her head, “how does this look?” she giggled

then i get stuck and ideas please help

ps. louise is the shop assistant and geoff is the shop owner, should he go off to get paints and a canvus or what please help make it as exiting as possible
btw

geoff is about 56
louise is about 25
they are not related
i tought
they could move location and they gett loads of buiseness pelase help

so its about a small hat shop and they were going to sell, so the estsate agent came to veiw and they asked what was up stiars and th shop keeper sed he never been up there his name is geoff snd his assistand is louise they are not related and they are not in love but the found loads of painting that geoff painted as a little boy and he desides not to sell coz he will paint more then sell them to pay the rent and then he booked a place at the local fair on sunday and they will sell hats and paint pictures to sell this is where is got stuck read this its a part of the storie the i got stuck

The next day Geoff and Louise were at the shop by 9 o’clock sharp, Louise was straight on the computer and straight to work on designing a leaflet, on the front page in big letters it spelt out “Hatopia!” in bright colours and a hat above the “I” and inside the address of the shop and pictures of all the hats and information about the shop, she printed one off for a example, she showed Geoff and asked him what he thought of the leaflet, “You are good on computers. Ok how many do you think we need? Print of 75 and if we need more one of us can come back and print some more, I have chosen the selection that we will take down. So I was thinking how would you like to be in one of my paintings?” he asked holding a ladies winter hat he put it on her head “Perfect, so what do you think? You want to be in a painting?” she looked at him and she had a smile ear to ear, “what like a model? Yes, yes I would,” she pulled the stool to where she was and sat down on the stool with one hand on her hip and one hand on her head, “how does this look?” she giggled, “that’s brilliant, let me get some paint and a canvas, then I’ll get to work, don’t move, I think there is some paint upstairs” he grabbed his chain of keys and went up stairs, picked up to wooden box that was leaning up against the chair, he blew the dust of the top, and picked one of the less dusty unused canvases, then went back down and locked the door behind him, he re-entered the room where Louise was and opened the wooden box, “Just as I left them, the colours as rich as the day I had them,” he pulled out of the box, a smaller box and he opened that and inside wad a folded up object, he opened it all out, it was a stand to put the canvas on the he go out his pencil and started sketching a stool then louses outline, I was almost like she was in the picture, not that is was a portrait, he finished drawing out the outline of everything and started putting in the finer details in, the pattern on the hat, her face the buttons on the clothes and finally the hair every strand in place. He turned the stand to show Louise, “Wow,” she whispered in amazement “you’re amazing, it looks just like me, can I move now? My head is getting sweaty,” “Yes you can move now, all I need to do is at the colour and then I’m done, come here,” she walked up to him slowly, he gazed into her eyes they were sparkling like the moon light

help me finnish and make it as exiting as possible please

Originally i bought a property with a friend 50/50 6years ago. We both lived in it until a few months ago where he moved out. The house was remortgaged 3 years ago. At this time i sold 1/8 of the property to my friend, so as it stands he owns 5/8’s and i own 3/8’s of the property. He took ‘additional borrowing’ under both our names when it was remortgaged and gave me a sum out of this money (to the value of 1/8 at the time) and is paying this additional borrowing back himself ‘interest only’.

I currently pay 3/8’s of the mortgage while he pays 5/8’s. I am also paying him a fee in ‘Rent’. My question is, should i be paying him rent and if so what percentage or how much is fair?