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Mmmmmmm....good luck making that decision. I would Need to feel very Very strong about the morality or lack of to Go and mess someone's life up / se...

I'm thinking maybe 13-15k as sum between them. Maybe a little more. Got a flat worth 5k less than I paid for it and I have An old car worth maybe 3...

I am a resident in Glasgow for the last seven years

Yes I resident in Scotland for last 7 years.