Please can someone help me.
My husband and i split up in 2007. He had the better job and was from the county we lived in and wanted to keep the house so i took our son and went back to my home county to live with my nana.
Unfortunatly she died later that year. Her house was a govt property (came with my grandads job) and upon her death i was issued an eviction notice. I also lost my job around this time (have been working since aged 16 am now 31).
On this basis i was granted rent allowance and i also returned to college on the Back To Education Scheme.
My ex and i also had a credit union loan in my name with him as guarantor for which we had borrowed for house deposit and furnishings etc. We were splitting the repayment of this loan and he was paying maintenace for our son which went on childcare costs.
Then in December 2008 he just decided to stop paying everything! No mortgage, maintenance, credit union. Having NEVER been in arrears in anything before i panicked and started to pay the mortgage on my credit card etc...dont ask what i was thinking. I appled for a moritorium and they refused and i also approached the credit union but they did nothing to assist either.
To cut a long story short - as it stand the mortgage is now 9 months in arrears. I havent lived in this house in 3.5 years. My ex has absolutely no intention of paying anything. The mortgage is €1250pm. If i rent the house i might scrape €600 at a push. But i never want to move back there again, plus i cant rent a property and maintain my rent allowance! And im never going to be in a position to repay the €650 balance. Oh and i should also add that he has moved into a new house that he has started renting with his new girlfriend in the same town where our house lies unoccupied!
He also refuses to pay the credit union. He did go into a meeting and agree to contribute €50 a week but then didnt bother. It should be €80 every week. I have been paying €30 every single week myself as its all i can afford.
I took him to court for maintenance and he agreed to pay €350 per month. He hasnt bothered with this either. I know he gets paid part cash in hand (bar/club work) so he just says he cant afford it, even though he agreed it it!
I just dont know what i'm to do.
I think i should just hand the house back to the bank. The stress is killing me and im on anti depressants. I know they can pursue me for the balance but i simply havent got it, and to be honest i dont think they can possibly pursue me anymore even though i have been keeping in regular contact with them. At this stage my credit score is already on 9 so it couldnt get any worse. Should i make myself bankrupt?
I have tried my best with the mortgage. I pay my €30 off my credit union every week. I pay €120 off my aib car loan every month. I am never in arrears on my gas, esb, phone nothing. But im sinking into a depression and i cant see a way out of this mess.
Please help. And please spare me the lectures. Im already devastated enough thinking that i will never be able to get a mortgage again to buy a family home for me and my son, never mind send him to college.
I should just add my credit union loan is €27k approx. My €30 does not cover the interest which i think is around €57.
Mortgage balance is approx €253k with arrears of around 7 or 8k
My income is approx €220 back to education allowance and my son is aged 4
My husband and i split up in 2007. He had the better job and was from the county we lived in and wanted to keep the house so i took our son and went back to my home county to live with my nana.
Unfortunatly she died later that year. Her house was a govt property (came with my grandads job) and upon her death i was issued an eviction notice. I also lost my job around this time (have been working since aged 16 am now 31).
On this basis i was granted rent allowance and i also returned to college on the Back To Education Scheme.
My ex and i also had a credit union loan in my name with him as guarantor for which we had borrowed for house deposit and furnishings etc. We were splitting the repayment of this loan and he was paying maintenace for our son which went on childcare costs.
Then in December 2008 he just decided to stop paying everything! No mortgage, maintenance, credit union. Having NEVER been in arrears in anything before i panicked and started to pay the mortgage on my credit card etc...dont ask what i was thinking. I appled for a moritorium and they refused and i also approached the credit union but they did nothing to assist either.
To cut a long story short - as it stand the mortgage is now 9 months in arrears. I havent lived in this house in 3.5 years. My ex has absolutely no intention of paying anything. The mortgage is €1250pm. If i rent the house i might scrape €600 at a push. But i never want to move back there again, plus i cant rent a property and maintain my rent allowance! And im never going to be in a position to repay the €650 balance. Oh and i should also add that he has moved into a new house that he has started renting with his new girlfriend in the same town where our house lies unoccupied!
He also refuses to pay the credit union. He did go into a meeting and agree to contribute €50 a week but then didnt bother. It should be €80 every week. I have been paying €30 every single week myself as its all i can afford.
I took him to court for maintenance and he agreed to pay €350 per month. He hasnt bothered with this either. I know he gets paid part cash in hand (bar/club work) so he just says he cant afford it, even though he agreed it it!
I just dont know what i'm to do.
I think i should just hand the house back to the bank. The stress is killing me and im on anti depressants. I know they can pursue me for the balance but i simply havent got it, and to be honest i dont think they can possibly pursue me anymore even though i have been keeping in regular contact with them. At this stage my credit score is already on 9 so it couldnt get any worse. Should i make myself bankrupt?
I have tried my best with the mortgage. I pay my €30 off my credit union every week. I pay €120 off my aib car loan every month. I am never in arrears on my gas, esb, phone nothing. But im sinking into a depression and i cant see a way out of this mess.
Please help. And please spare me the lectures. Im already devastated enough thinking that i will never be able to get a mortgage again to buy a family home for me and my son, never mind send him to college.
I should just add my credit union loan is €27k approx. My €30 does not cover the interest which i think is around €57.
Mortgage balance is approx €253k with arrears of around 7 or 8k
My income is approx €220 back to education allowance and my son is aged 4
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