Thanks. its just such a hard decision to make. i want to move but i have picked the wrong time of year to try and move house. its just seeing what is best for the kids really. i would hope that in the future people would understand why i had to move rather than just chose to move.its difficult too cause my mum says move and get away from it all but my dad says sell the house first. i have already started sorting out and packing up some things to make the move easier when we do move. i am just stuck between making the decision to run away from it all and start again. which if i do i know the mortgage company would want the shortfall which i have no objection to paying as its what we owe i just dont want the house any more. i wish there was a easy option, a quick get out.well i have definately learnt my lesson and from now on its just my name on things i doubt i will get anything in joint names again as the hassle this is causing is ridiculous. my mum and dad never liked him and maybe i should have listened. lol

thanks for your reply, I am currently on tax credits with being a single mum on a low income if i rent it out they would stop as it would be seen as a second income, which i cant really afford to do.i have tried to get the mortgage company to give me a payment holiday to give me some time to assess my finances and sort out what is best but they said no because we have seperated we wouldnt even be considered.yes the police, social services and any other service you can think of are involved in the situation as its got quite serious. i am awaiting a reply from a few people to see if they can assist with anything. i dont actually qualify for legal aid at the minute as i apparently earn to much, even though my bank statements show there is never much money in the bank it doesnt matter because they only take into account certain things when working out if you qualify.there are no arrangements for maintenance as he isnt working, and i doubt he has any intention of working, she doesnt work either so no joy there. i have been in contact with CSA and i got one payment from his last wage at his job but that is it.a few people think i just need to move and let the house get repossesed if selling doent work out as a option but its a big decision to make as i am only 25 and would never get credit again any time soon.

Hi Guys,i was looking for a bit of advice with regards to my mortgage and would appreciate other peoples opinions on my situtation.To sum up what has been going on in April my ex left, he got with his new girlfirend living in a flat within 7 days. We have 2 kids together and a house that we have a joint mortgage on. things have got nasty to the point were my car was petrol bombed 2 weeks ago whilst parked outside my house. this has caused great upset for the kids as they are terrified that the house will be up in flames next. it turns out that it was my ex partners new girlfriend who has come up with the plan and got someone to do it for her. with this being the reason i no longer want to live in my house as the kids are scared to go to bed, which is going to cause problems when back in school, and my ex only lives around the corner so the chance of bumping into the pair of them is more than likely.i have had the house valued and it is not valued high enough to pay off my mortgage as the outstnading figure is £65,000 ish, so selling isnt really a possible option at the time due to the housing market being so low, but i want to move out asap. has any one any suggestions what i can do considering the circumstances?thanksLaura