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Thanks Brendan.... The last line of the judgement sums it up really

Hi I'm wondering if anybody has seen this or knows how valid this is?

Hi all, I posted on here about 3/4 years ago about handing the keys back to the bank. A bit of background information: - I'm a single mum, with 3 kids (5, 7 & 9). - I'm not working at present. I just finished 3rd year (hopefully) in college yesterday. - I'm in receipt of BTEA and also...

Hi all, I hav'nt been on this site for a while but I did say that I would update on my situation. We are still in the house 18 month's later & for the past 13 months I have not heard anything from the bank until last week, in which they asked me to pay the outstanding amount within 10 days or...

Hi, just a quick question on BTEA, I am on a reduced rate of OPFA, does my rate stay the same or does it go up to the higher rate. Also come the end of May when I finish my first year do I need to re-apply for OPFA for June, July and August? Thanks

Spoke with solicitor today. Looks like we'll have christmas dinner here anyway. He needs to contact my ex, as his signature is required, to see if he will cooperate. So that at least will take a while. Things are on hold at the moment with the bank until we hear back from ex. He did say...

I got an email from my solicitor here and he has been speaking to the bank so I am to call him tomorrow morning to get an update. I'll let yee know whats happening or going to happen!!!!

Last April the bank asked for one which I sent onto then. I did it up on an spreadsheet for 1 month. At that time I was receiving more maintenance from ex. I never heard anything back from the bank on this - TBH I completely forgot about it. I have contacted a local consellor and MABS about...

Raskolnikov, I would have no problems coming back on here to update how I got on and hopefully provide some useful information to more people in my position. But I have to say in fairness to the bank in question I could not have been more lucky so far with them. They have been great and I do...

When I enquired about this last year I needed to have an income of £290stg per week or less to qualify. But between maintenance, SWA, child benefit and childcare allowance I did not qualify then and I would not qualify now.

Hi all Thanks a million for all your replies. I have tried his parents on numerous occasions. They have tried to speak with him but no joy. There is very little contact between them for the last 2 years. So I'm being told anyway because his parents live in Australia so I cannot say for...

What I meant was if the property was transferred to me then I still cant pay for it unless he paid the maintenance which was ordered.

Replies to your questions part 2: 1. 280k - last valuation done last January - the estate age did say that I'd be lucky to get this price because of the amount of work which needed to be done. 2. 330k approx 3. 25yrs. 23yrs left on term. 4. Joint names. 5. Divorce proceedings...

My brother's house is up for sale at the moment and nobody has even come to look at it. He does not live in this house. He built it to sell on. But he will put in a kitchen, floor coverings, etc. and rent to us. He cannot afford to do up his house and let us live there for free. The house...

Brendan what happens if the house does not sell?? What will happen to the arrears?? They are over 30k at the moment. House is in 50k negative equity! I do not believe that the bank will take a hit for 50k plus. Is it not best to stop now and let the bank do what they will. I have been...

Marietta He works as a contractor through agencies in the UK. These agencies pay him through an umbrella company offshore. If I knew where he was working I could possibly find out what agency he works for. For the final court hearing in England my solicitor summonsed the agency he was working...

The guy from MABS told me that if the bank do look for monies to be repaid then it will be at what I can afford each week/month. So I will be paying back for the rest of my days. My arguement also is when this mortgage was taken out it was based on his earnings as I was not working at the time...

Thanks a million for all your replies. I have tried to reduce the life assurance policy but no go. They would need his signature as well and he will not give this. I do not know where in the world he is working at the moment as he is an aircraft engineer and works as a contractor. Brendan...

I have spoken with MABS but I have not approached them about handing back the keys - I have been trying to get hold of the person I deal with this week to get advice. If I was to go back to work it would cost me a fortune in childcare and travel costs as my kids are 6, 3.5 and 2 - It would not...

Re: Hand back Keys to Bank?????? Need advice I have been in regular contact with the bank from the word go - even before we moved into house so they have been informed of everything - I did not hide anything from them. Ex-h was ordered to pay a weekly amount in maintenance, pay my legal fees...