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Skippy
forum expert
United Kingdom
3290 Posts |
 Posted - 11 July 2012 : 08:41:10
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There's nothing wrong with threads going off track now and then (and we were still talking about weddings so not completely off track!) but some of the posts were inappropriate.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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Most worried
New Member
77 Posts |
Posted - 20 August 2012 : 15:42:56
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Hei everyone..its me..again :)
Thanks for all the intrest in my post. I would really need one more bit of help.
I'm marriyng my landlord..sort of speak
We lived together for a short while in a different property years ago and when we called our relationship quits he took my name of the mortgage.
My contributions were laughable to say the least and for just a few years.(this is more than 10 years ago)
Instead of me roaming around for place to live I stayed on and this in turn after years and years made us try our realionship again. This happened as he moved to a new bigger property and we decided to move there together. I am not on this mortgage either. Our finances have ALWAYS been separate.Which is just the way we like it and works best for us.I still dont contribute much.
I was never questioned about me being part of any mortgage but thats probably because it was well over 6-7 years ago before I declared BR.
My prime fear is that because I am now marriyng my landlord that the OR can demand beneficial intrest money from all those years ago, even though It was such a small amount of money.....?
The other thing Im worried about is when my husband to be will next apply for a mortgage-even though he will only ever apply in his own name, not joint....will he be affected because Im his wife....?
Does he need to NOW write a letter of disasotiation etc...?
Please could someone help me with these....got my heart in my throat litterally!!
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 20 August 2012 : 15:52:02
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Hi,
If you have seperate finances then your husband will not be affected by your BR. If you want to make doubly sure then he can file the notice of disassociation with the credit agencies.
As regards any BI in the property, hopefully Viki or Debtinfo will be along to advise as I have no idea on that one. |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 20 August 2012 : 17:35:55
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It sounds like you have no interest at all Most worried. As Niobe has said, you will need to check on experian, equifax and callcredit to see if you are associated, which you probably will be due to the past joint mortgage. You can then both file a letter of disassociation.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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Most worried
New Member
77 Posts |
Posted - 21 August 2012 : 14:26:16
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Thank you so much for your replies.
Is there a guide to how a letter of disassociation reads...?
(looks like)
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 21 August 2012 : 14:33:53
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When I did it, there was a form on equifax and experian that you had to fill in. Give experian a call, they should point you in the right direction.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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BR affect on husband to be
