Thank you. I think it is likely that this is a personal finance agreement the purpose of which was to buy windows. It may not be, but it doesn’t affect my answer but if it is, it will help me explain. Basically, you borrowed money from the bank and spent it on something. You spent it on windows. You could just as easily have gone on holiday with it or gambled it but, you chose to spend it as you did. Hence, as you took finance out, you remain liable. The same applies however even if it is higher purchase, it’s just the purpose then which is fixed.
Whilst you remain liable to the finance company under the terms of the loan, if you were in a stable relationship which you thought was going to continue and hence you would get some kind of benefit from these windows when you were at the property, then you would be entitled to some recompense from the owner of the property in respect of what you left behind.
You have no entitlement to the windows themselves because once something is attached to a building, it becomes part of the building.
You do remain liable to Barclays I’m afraid. Sorry.
Can I clarify anything for you?
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