As you know we have just moved and coud not sel our house.
We made plans to move before the credit crunch and we were desperate to move.
We agreed to rent the house to my sister and her friend for just under the mortgage, as they agreed to move out if we got a sale and we knew the house would stay nice for any viewings.
a fortnight after siging agreements the other tenant buggered off owing us lots of money ( and my family) My sister could not afford the full rent ( which was subsidised by us so we agreed that she could pay her third ( her house mate had a son so they used two rooms and she used one) This meant we were subisidising her by almost £500 a month. She knew we coud not sustain this and oromised to look for a flatmate, she has not and four months later we are £500 a month down. Our savings have gone on a deposit for our rental house down here and moving costs. We are now sinking.
We should take this girl to court for the money she owes us but we don;t have the momney to pay for a solicitor.
Then to top it all I have had some money taken from my bank and the bank are investigating but seem to be dragging their feet. I have given them a crime number which will speed it up, hopefully.
To top it all our car died and we needed to replace it as once a month my dp has to go back up to Lancashire. So spent his money just before my bank was drained.
Dp gets paid on Friday and until then we have no money. We just about have food. A friend drives me into work and I owe her petrol money, she is now skint so we may not even be able to get into work from Wednesday. We are now one month behind with the council tax as well. My anti depressants ran out last week and I can't afford my new prescription which is probably making things feel much worse than they are.
We are going to have to completely cancel Christmas this year, we were going to visit family and now dd is heartbroken as she can't see her dad, extended family or the friends she left behind over Christmas.
I have phoned the estate agents who are selling the house and they will rent it out but they have said because the rental market is saturated the rent will not cover the mortgage. But we will be subsidising at £100 rather than £500 a month. I know this is going to cause a huge family row when I have to ask my sister to leave the house and I am dreading it.
I know everyone is going to pile in and say you shouldn;t have moved but when we made plans the credit crunch was not big news so we thought, and so did the estate agent ( although they would say that that we would sell). When it became clear that we could not sell I even tried staying in my old job but as my school wa bankrupt they would not give me my job back once my notice had gone in.
I don't even know why I am posting this, I guess I just need to offload.