Hi, I have posted here before over the past few years & I was wondering if I could get some more advise.
Basically last year myself & my husband seperated, a lot of it was due to the pressure we were under it was the worst time of my life, in short I went on to need over 6 months off work due to stress & anxiety. I movedd from the family home, I couldn't stay there anymore & my husband moved to his parents.
I wanted to rent out our old house but the gas & esb had been disconnected & I couldn't afford to reconnect it & didn't want or need the stress of having it sorted when I wasn't well myself, we had a bank loan in joint names that I was trying to pay something toward, I got on with things and eventually got back to work.
Unfortunately after a few months got another illness & am still on Certs as we speak, my husband & I are hoping to reconcile we have found each other again after a lot of the stress had been removed.. We did out the house on the market & received an offer off the local county council which ulster bank refused & wouldn't release the deeds.
As it stands we will never live their again, aside from anything it would be the end of any hope we have and I won't do it.
The problem I'm having is that the bank loan I had have wrote to me today to say they are bringing me to court & I don't know what to do, they haven't wrote to husband & aren't after him over it, they closed my bank account with them a few months ago but he still has his & is in good standing with them. I don't want to say that we aren't together as this isn't nessecsrily true & I am worried if this is recorded that if ulster bank take us to court they will say we have to move back. I don't know what the best thing is to do. I wanted to make myself bankrupt but can't as its not in yet.
I'm finished on half pay in work in may & I'm not intending on going back as it was costing me more between childcare than it is staying home. I have to fill in a court form on financial statement & don't know what to do
I am so worried I can't even explain & I'm panicking here. Sorry for any spelling errors I am using phone.
Thanks
Basically last year myself & my husband seperated, a lot of it was due to the pressure we were under it was the worst time of my life, in short I went on to need over 6 months off work due to stress & anxiety. I movedd from the family home, I couldn't stay there anymore & my husband moved to his parents.
I wanted to rent out our old house but the gas & esb had been disconnected & I couldn't afford to reconnect it & didn't want or need the stress of having it sorted when I wasn't well myself, we had a bank loan in joint names that I was trying to pay something toward, I got on with things and eventually got back to work.
Unfortunately after a few months got another illness & am still on Certs as we speak, my husband & I are hoping to reconcile we have found each other again after a lot of the stress had been removed.. We did out the house on the market & received an offer off the local county council which ulster bank refused & wouldn't release the deeds.
As it stands we will never live their again, aside from anything it would be the end of any hope we have and I won't do it.
The problem I'm having is that the bank loan I had have wrote to me today to say they are bringing me to court & I don't know what to do, they haven't wrote to husband & aren't after him over it, they closed my bank account with them a few months ago but he still has his & is in good standing with them. I don't want to say that we aren't together as this isn't nessecsrily true & I am worried if this is recorded that if ulster bank take us to court they will say we have to move back. I don't know what the best thing is to do. I wanted to make myself bankrupt but can't as its not in yet.
I'm finished on half pay in work in may & I'm not intending on going back as it was costing me more between childcare than it is staying home. I have to fill in a court form on financial statement & don't know what to do
I am so worried I can't even explain & I'm panicking here. Sorry for any spelling errors I am using phone.
Thanks