Poshie72

My thoughts exactly

Done

Me too

Last night: Quiet evening planned, going to watch a film with the BF Bf ended up asleep by 9pm. Not a good start. Today, shopping, housework, middle son has friends over so earplugs essential, take bf and mates into town for there night out. Quiet evening to myself. Tomorrow: visit friends who have just had a baby

So did I when in fact he is a year younger than me :shock: Anyway SOB, my bf did the same thing a few years back (before I knew him), 12 month ban, attend a course to get his licence back etc. It definately makes you think twice the morning after

5/10

Were not average then BTF Been trying to tell the BF that ages

Happy birthday Matt

Twenty - It was the judge who decided on the 50/50 split. So unless I want to pay even more money to appeal it, which because on the face of it, it was a 'fair outcome', I am likely to lose. St B - looked into remortgaging and unfortuantly I would only raise enough to take on the existing mortgage, and that was abut 3 months ago before things went a bit oear shaped in the financial markets. I wish there was an easy answer but .....

When the gardens just been done, lawn's mowed, weeds cleared, I always think I love gardening, but at this moment in time I hate it. My garden is a total mess and despite the good weather this weekend it was a between doing that or doing 5 hours of ironing .... the ironing one, but now i kind of regret it

Thanks and to you to Saint Boggy. Unfortuantly, the judge doesnt have a say in it. Because he is now bankrupt, it is the official receiver who carrys the weight now, and they will do whatever they can to release assets to pay debts, yes even if it means the children are left without a stable roof over their heads. Words dont begin to describe how I feel about. As my solicitor and I kind of knew that he would be made bankrupt (failure to pay VAT and tax), we just had to get a court order on the split of the assets through first,which we achieved. The reason for this is that once the asset split has been agreed by the court then the Official Receiver cant change it, so if I had been given 60% then that would have been mine. Although as it was it was 50/50 anyway. Also forgot to say that he also got half of MY pension and I had to pay all court costs. Words cant explain how angry I feel :smt076, but there is nothing I can do as it is out of my hands. I try to look on the bright side, that at least I do have my children, and no matter what I only have to look at the and realise how lucky I really am

Tonight: Stay in and watch a film with the bf Saturday: shopping, housework and whatever the kids decide they want to do Sunday: go and buy more fishes for my new aquarium then not alot as bf on late shift

Just wanted to add my perspective and even up the female side. Married in 1993 and divorced finalised August 08. Not going to go into details as was very messy and I have already said some of it on a previous thread from St Lard. But to answer the same 5 points as St Boggy: he had to move out and so doesn't see the kids as much as he would like. This was his choice. When we decided on the split I said he could remain in the house until we decided what to do. HE decided to rent a room 2 weeks later. he pays her decent money which he has no say over how it's spent Not in my case. i have had approx £800 since he moved out in March 2007. Yes he paid mortgage and bills but this stopped in July 07 when I found full time employment. Every month I am promised money, none is forth coming. He has now been made bankrupt. Cant go through the CSA as he is self-employed so little they can do if he doesnt pay he won't get a penny out of the house when she's sells it In the divorce the judge split the equity 50/50. Gave me the right to live there until my youngest was 21 or finished tertiary education. However now that he has been made bankrupt I will have approx 1 year before I will be forced to sell by the official reciever. Due to the fact that he has left me with his debts (like a good wife I took them out in my name), if I wait a year, the equity that there is will be gone and I will not be able to clear my debts. So therefore I am now having to sell up, and because of the credit crunch will not be able to get a mortgage so will have to rent at double what I am currently paying. she can go out EVERY friday n get p1ssed up Not a hope. He has a self contained room in a house and is unable to have the kids over night. Therefore I NEVER get a night off she can sit on her @rse all day , while he works 3 jobs just to make ends meet. I obtained full time employment after the split. I leave at 8am and am not home until 6.30pm. I also am studying to be a qualified accountant (I study when the kids are in bed) so I can make a better life for myself and the kids. Meanwhile being self employed he decides whether he works or not, even stated at one time that he was unable to work due to my unreasonable behaviour!!!! So it is not always the man that has the raw deal. St Lard, I know I have posted my thoughts on your position before. Please try to sort it out amicably without the courts. It will be better in the long run. Despite what my ex has done, i still let him see them on an ad-hoc basis even when my family and friends tell me I should refuse access as he doesnt pay. At the end of the day my sons did not ask to be born or want their parents to live apart, so wh should they suffer.

Working in the financial sector then they will check you out, but if it hasd no impact on your job then it is fine. They also check your credit file, and you have to answer a questionnaire every year regarding your financial standing and any financial connections you have. This has to be truthfully answered, as can lead to dismissal. Again it really depends if what is on the credit file as to whether they will be bothered. I.e. they wouldnt want a declared / discharged bankrupt advise clients on investments!

I agree BTF. Having worked for a bank it used to get to me that we were working our butts off day in day out for my monthly pay, selling loans etc to customers just to boost profits, and it wasnt me or my collegues that saw the fruits of our labour, it was the bosses sat in their high rise office in the city raking it in grrrrr. When I started at the bank, over 20 years ago, a cashier was just that, deposited your money or paid it out to you. No questions etc. When I finally left 13 years later, a cashier had targets of how many sales they could make in a day / week. I even bumped into an old collegue last year who said that they were now calling themselves 'shops'! If we refused or did not meet our targets then there was the threat of your job. (I was lucky worked in the back office and had little contact with customers so no target). And they wonder why i never went back after my career break!

Sorry yeh my mistake ... me an auditor as well, no wonder this countrry is in a mess

If you have a tracker mortgage then you should get a reduction as your rate follows the Bank of England rate. i.e. mine is a tracker and is 0.95% above base rate. If it is a variable or fixed rate then it will be up to the lenders to pass it on to you

Last night - quiet night in Today - Take eldest to his cadet parade, drop other two off to their dads, shopping, housework, go watch BF play squash, home for kids, watch saints on TV while getting ready to go out for a meal. Sunday - Lie in (kids permitting), get fish for new aquarium, then chill

Once again thanks to all your replies. To update you all. She is still in hospital and they are still carrying out tests, but so far everything is negative, which is a relief as at least there has no been any stroke. They also havent found any infection, but she is on antibiotics as a precaution. Although, the family are still concerned as to why she went downhill so suddenly, but looks like it will just be put down to her age. We have had her assessed by the psychiatric team. They have concluded that she definately needs full time care, which, being in Scotland is free. This is really good news. The downside is that until they can organise her a place, she will have to go back home, but they will be providing full care while she is there, which again is free. We do not know when she will be coming home, but at least the family know that they have the full support of the care workers. My BF and his family would like me to pass on their thanks for your good wishes and help. They are still going to see a solicitor to be 100% safe on the house, but provided the government are true to their word and they do give her full care then it shouldnt be an issue.

We were quite shocked. She has had mild dementia for some time, the odd thing would be said that bore no relevance, but this has literally changed overnight to her being on a totally different planet. We couldnt believe it when we got the call yesterday morning telling us how bad she was. We think (hope) that she possibly has an infection of some kind which has caused the sudden change and subsequent fall. They are doing tests today and hopefully will know more tonight. I have only known her for 18 months and she is such a lovely lady and so independant as well. If she can no longer manage on her own then it will be a big shock to her (if she really understands what is happening). All I can do is pray that it is nothing serious.

How true is that! This place is full of useless (and sometimes useful) information

You guys are amazing. Many thanks for all your replies which confirmed alot of what we thought. My bf is going to speak to a solicitor when he goes up but unfortuantly that isnt until the end of oct. He is trying to get his aunt to see one as she also has an interest in the property, but they are so laid back up there they never seem to see anything as urgent and short of marching her there ourselves she probably wouldnt go, even if we made the appointment etc. In hindsight this should have all been thought about before hand, especially given her age, but it was always something that could wait until tomorrow as until yesterday she was holding her own. I will pass all of your comments etc on to him. Once again many thanks.

Ok a bit of a long shot, but thought you guys may know?!??: My boyfriends Gran is 94 and until last yesterday has lived in a house on her own, with family popping in on a daily basis to help her. Yesterday morning it was obvious that she had lost her marbles (so to speak). This was very sudden. Then last night a 2am my bf mum was woken by one of Gran's neighbours saing that they thought something had happened. When she got there Gran had fallen at the top of the stairs. The paramedics have checked her over and doesnt appear to be serious, but is in hospital as a precaution. The upshot being that there it looks like she will probably have to go into a home especialy in light of the dementia. Ok here is the problem: The house she lives in, is in Grans and my bf's aunts name. The mortgage is paid by my bf and his aunt, with my bf named in the will for 50% of the property. Will this have to be sold to fund the care for Granny, and how will it effect his and his aunts share in the property. (effectively they are joint owners with Granny living there and paying a small rent from her pension). Should also mention that she lives up in Scotland and I know the law can vary from english. They are also hoping that she may be able to go into NHS care. He is due to visit them at the end of October and will go and seek advice while he is up there, but it could be too late. If anyone can tell me what could happen, or can point me in a good place to go to on the web I would be very grateful

RIP Bob. My condolences to his family and friends.

unable to listen to the match apart from being 2 up how are we playing?