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Snejana Vasileva
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I am a accidental landlord. I bought a flat in 2001. In 2013 I have decided that the flat is too small for my son and my daughter who was 1 then. But I couldn't afford to sell the flat as it was with tens of thousands in negative equity. Either I stayed there for another 20 years or rented out and buy a new house which I did. The rent just covers the mortgage interest and leaves me a bit of money to maintain the property as the whole block is in a really bad state. I still can't sell it. But know with the new charges I won't be able to claim the interest as an expense. I won't make any profit on it, more likely I have to pay to keep it. So I am stuck in the moment as I don't have the money to pay the different between the market price and the mortgage to the back. And I don't want to leave my lovely new house which is perfect for us now. Now, my situation worsen, as if I decide to sell my residential property to move to new area for better school or work, I have to pay and extra stump duty as per my understanding. Please delete my comment if that is not the case. We are paying for all the mess the bank have created and now we are going to be penalise even more. I just can't see how I personally can get out of my debts. The way I see it, the middle class and people that work hard to better themselves are penalised the most. And yet the richer get even richer...I can't see how this can be fair way to tickle the problems with the housing
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20 January 2016 18:11 PM
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From: Snejana Vasileva
20 January 2016 18:11 PM