hi all, I took out a cu loan in 2007 (good times!!!) for €18k. 22 years old at the time, loan guaranteed by my mother. Stupidly handed the €18k over to my boyfriend (of the time). Loan was paid on time at the agreed rate for 12 months. Ex partner then ran into financial difficulty and loan was unpaid for 12 months. Negotiated with cu and paid a crippling €100 a week (ex was unemployed at this stage and I was then paying his mortgage and the cu loan). Renegotiated with cu to a rate of a more managable €30 per week and have paid this rate since. In 2013 I saw the light and left my ex. I know I was stupid in how I left him walk all over me financially. He now pays half the cu loan and has saddled me with the remainder. Spoke with a solicitor in 2013 who told me I didn't have a leg to stand on in relation to getting any of my money back from him. He's completely broke and I'd have spent money, which I didn't have in order to maybe get a judgement against him, which, let's face it wouldn't be worth a penny to me. Anyways, it's 2016 and there's still €7000 approx owed to the cu. they've refused to offset the €2000 in shares against the loan. They refuse to freeze the interest, or reduce the interest on the loan. They continually ask that I increase my repayments. I'd love to get rid of this loan and move on with my life... my ex is refusing to up his half of the repayments and as such I don't want to increase mine, I'd like all repayments to be 50/50 between us. Looking for any advice on how to proceed in order to clear this loan as fast as possible, have interest reduced, offset shares... etc etc. -increasing repayments is not an option -comments on my stupidity will not be appreciated. I understand I got myself into this mess and the reasons why. -ex is an extremely difficult person to deal with, who to this date has not got back in his feet financially so any advice regarding getting him to contribute more will not work... believe me I've tried!!! Your insight, experience and advice is very much appreciated.