please DELETE

misscutiepie1984

Im 22 years old and im about 14k in debt which i have got down from 21k in the last 2 years or so i thought i was being clever get a place with my ex boyfriend we got a mortgage when i was 19 or should i say he cos it was put in his name only after he convinced me that if they credit checked me then we would not get the place even though my credit rating was perfect back then!!!!

so as you can gather im not very happy about all of this there are lot more things that went on in between then and now so here i am............

anyways just wanted to talk to people in the same kind of situation as me so i dont feel like the only one

Many thanks for reading

Amy

lynzpower

hi Amy :wave:

plenty of people have been stung by this sort of thing on here sad to sayt you are not alone

How come you ended up with the debt though

misscutiepie1984

i was only on 10k a year and he was on 30k and 60k in debt unknown to me and he influenced me to have overdrafts and credit cards and made me feel guilty if i did not keep up...... i worked out he had been cheating on me cos he was stallin me moving in even though i was paying rent on my place but also the mortgage which was 100 miles away so i was about to leave everything behind!!!! so we split but i still gotta pay off the stuff like the bed, sofas and all the stuff i paid for on borrowed money

moozie_2

Hi ya and welcome

Just saw your other thread on wanting a mortgage. Dows this mean you don't actually pay a mortgage at the moment? If the things are at his address, is there anyway you can get them back and perhaps sell them (not if you are on HP agreements though!)?

misscutiepie1984

he basically had this women move in within a month of the split and with the 100 miles in between and me being on shifts it dont make things easy and he moved without tellin me and sold the place and chucked my stuff and got married all pretty quick!!! i find out that her parents paid off his 60k debt and bought them new house now as well!!!

Willsnarf1983

i wouldn't worry if he's got into 60k theres a very very strong chance he will get himself in the same problems all over again!

Will

Verbatim

Was it just the mortgage in joint names ? If the house was bought in joint names then you're entitled to your share of the proceeds of sale.

southernscouser

Hi Amy! :hello:

Two things jump out at me from your post! :think:

Firstly you're 22 and secondly you're single! :cool:

But seriously welcome aboard and sorry to hear about your ex being an a$$hole. :mad:

Well done on getting you're debt down though! :T

If you post a SOA (details here) we might be able to help you further.

misscutiepie1984

haha trust you southernscouser

climbgirl

Sorry, your posts are very confusing. From the sounds of it, the mortgage was never yours, was never in your name so you're not entitled to any of the sale proceeds (if the house was being sold). If you were contributing to the mortgage (by paying rent) then you do have some legal claim to a share of the house (unless the arrangement was that you were paying rent?). You'll probably need to speak to a lawyer about this.

From what I can gather, your 14K of debt is overdrafts and loans that you've taken out. (It doesn't matter if you were "coerced" into signing them - if you signed for them and they're in your name, then it's your debt).

I think it would help if you posted a full SOA (statement of affairs) so we can see all your incomings and outgoings. It's hard to advise without seeing this information.

Ames

Doesn't matter whose name was on the mortgage for who gets the money from the house, it's the name(s) on the deeds that are impiortant.