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

Ex Lodger has left DVD Player, Home Cinema Amp, TV, Speakers and assorted CD’s and other bits and pieces in my house. He owes me a months rent anyway. I have told his parents stuff has been left but had no phone call back or contact of any sort. When does ownership pass of these items? How long must i wait? Can i throw them away or sell them? Whats the Legal Position?
Wot if ex lodger turns up with a notice period that i give? do i return goods knowing that he owes me rent?
I dont have his address only parents address? there was never a contract signed when he lived at my house.

(Actually this is on behalf of my girlfriend, lodger lived in her house!!!!)

I am having money problems and own my own house. I have mounting debts but have recieved a flyer from a company offering to buy my house within 14-28 days and the option of renting this back off them. is this a good idea? I am scared that I sell them the house and they sell it from under me or keep incresing the rent so I have to move. Has anyone done this? and was it a good idea? and can you recommend any good companies offering this service?

I bought my house in November 2007 with my partner, just when the market crashed and now im in negative equity. It didnt matter at the time because we werent going to sell but since, me and my partner have split up and hes totally shirking his responsibilities and has moved out and wont pay anything towards the house.
The mortgage is in joint names and i cant get his name off because since buying the house i got made redundant and went back to university so i have no income and cant have the £115k on my own. He doesnt want the place and i cant sell because i would have to find about £15k and im not taking that debt alone.
The mortgage company transferred the mortgage to interest only (they were really helpful) and using my student loan, bursary and part time job income i can just about make ends meet each month. The only problem is that my mortgage is now linked to Bank Of England base rate and will rocket when that rises, whenever that is, and i definately wont be able to afford it. I have given up on asking my ex for money, (i cant wait for the day he meets someone else and wants to buy a house with them and cant because he is stuck on this mortgage with me!! he has no clue about money or finance or mortgages, i dealt with all that) and my parents have very kindly offered me a room in their house suggesting that i rent my place out. (i would make about £150 a month because the mortgage is so cheap and the mortgage adviser actually said ‘if you hadnt come in and told us we wouldnt know about it so lets pretend you never made this appointment’ when i went to ask if i could rent it out) Im 28 and havent lived at home for 10 years and im so worried about it!

What would you do? Rent it, live with parents and save the money made to sell it or stay there and struggle? Any advice would be greatly appreciated as im STUCK as to what to do

Many, many thanks
I cant rent a room out unfortunately, its only a starter home so has a double bedroom and a tiny second bedroom that you would be pushed to fit a sigle bed and a wardrobe in

We’re considering buying a horse and we saw one we were interested in but here’s the thing…

The woman who owns him has lost her job and can’t afford to keep her horse anymore and she’s keeping it in a field which she can no longer pay the rent for so she’s got to sell the horse by THIS weekend.
She lives quite far away from the horse so she says she doesn’t have time to get him vetted and that its sad enough that she has to sell. This has made us a bit suspicious as shouldn’t horses be vetted before someone decides to buy it? She has said all lovely things about him in the advert, however we’re not fully relying on it as if someone had to sell their horse desperately they’d say anything to get rid of it…
She also said that the saddle wouldn’t be included, because she said if she ever got her job back then she might buy another horse. So why doesn’t she loan out her horse and then if she does get her job back, she can just have her horse back…(my mum even suggested this when they spoke on the phone but she just went ‘no no oh no’) which makes us think is there something wrong with the horse.

Me and my mum just drove down to where he was (she gaves us the address in case we wanted to come and view him) and we saw him in his field and he looked lovely, he walked fine, he seemed happy enough in his field. But we don’t want to buy him just on what he was like in the field

Before we bought him (IF we bought him) we would visit him properly and there’s a woman we know who’s very experienced with horses who would come with us to check him out as well.

So, we’re wondering if we should even bother checking this horse out properly or just wait for something else…
what do you think?

xx
here is the advert for the horse…
http://www.horsemart.co.uk/advert/12_yrs_15_2_hh_grey_other_west_yorkshire/99800
It’s so hard to choose a best answer cos they’re all great :S
^_^
thanks guys
xx