Help needed quickly please......

keepmyhouse

Hello Just filling out info for tomorrow......Is this a good enuf reason for BR?

I entered into a mortage agreement over 4 years ago with someone I had only known just a few months, totally unaware that he was in considerable debt, which, wasn't disclosed by him on the mortagage application. It became apparent he also had a serious gambling habit. He never accepted any real responsibility and constanlty wandered in and out of mine and my two childrens lives, we were both struggling financially. In a bid to save our relationship, and for the sake of our unborn child, I agreed to a secured loan of £27,000 mainly for his benefit, i.e. repayment of loans. The relationship did not improve, and 18 months ago I decided I no longer wished to have him as part of my life. The mortgage and additional secured loan wasn't substainable on just my own income. He did at first make some contribution towards the mortgage payments, I have not received any help from him for almost a year. Because a year ago I was placed on a SVR, the mortgage has been quite high, and taking most of my income, I was also made redundant at this time, and was out of work for 4 months, during this time I missed two payments. I found myself unable to make payments towards any unsecured creditors. Now I am working again but because of rising prices on fuel food etc, I still find myself unable to meet minimum payments. My ex partner has become threatening over the mortgage payments and insists that I pay the two missed payments, as it is affecting his credit file. For this reason you will find I have very recently moved out of the mortgaged property and into more affordable rented accomodation, near to my family where I am less vunerable, however it is with deep regret that I will never be able to pay back my unsecured debt or even meet any minimum payments required of me.

fiveyearplan

keepmyhouse wrote: »

Hello Just filling out info for tomorrow......Is this a good enuf reason for BR?

I entered into a mortage agreement over 4 years ago with someone I had only known just a few months, totally unaware that he was in considerable debt, which, wasn't disclosed by him on the mortagage application. It became apparent he also had a serious gambling habit. He never accepted any real responsibility and constantly wandered in and out of mine and my two childrens lives, we were both struggling financially. In a bid to save our relationship, and for the sake of our unborn child, I agreed to a secured loan of £27,000 mainly for his benefit, i.e. repayment of loans. The relationship did not improve, and 18 months ago I decided I no longer wished to have him as part of my life. The mortgage and additional secured loan wasn't substainable on just my own income. He did at first make some contribution towards the mortgage payments, I have not received any help from him for almost a year. Because a year ago I was placed on a SVR, the mortgage has been quite high, and taking most of my income, I was also made redundant at this time, and was out of work for 4 months, during this time I missed two payments. I found myself unable to make payments towards any unsecured creditors. Now I am working again but because of rising prices on fuel food etc, I still find myself unable to meet minimum payments. My ex partner has become threatening over the mortgage payments and insists that I pay the two missed payments, as it is affecting his credit file. For this reason you will find I have very recently moved out of the mortgaged property and into more affordable rented accommodation, near to my family where I am less vulnerable, however it is with deep regret that I will never be able to pay back my unsecured debt or even meet any minimum payments required of me.

Sounds like good enough reason to me. Hope you don't mind I corrected a couple of typos.