Sorry Guys, this is a little complex so I will try to be
concise!! In 1998 I had a mortgage for a flat. I was moving home (another city) and knew that the flat would never sell - it was a donkey purchase, in an awful area with crime, drugs, etc. I had bought it on the advice of my ex-boyfriend, with a view to renting it out, but ended up living in it - very unhappily - myself. I ...