I'd stop paying this for starters. I know its not much of a saving but the bank have to take some responsibilty here (I assume you did not ask them in good faith to clear them quickly and give you access to the money). Tell them they need to chase your ex for payment.This came about as a result of my ex husband giving cheques which bounced last year and the bank cleared so I had accesss to the money.
. You need to obtain advice from a good financial advisor and make decisions based on your ability to pay rather than your current obligations.
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