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 discharged a few weeks ago I need some advice
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gdc
Starting Member



12 Posts

Posted - 25 June 2010 :  18:02:47  Show Profile  Visit gdc's Homepage  Reply with Quote
Hi,
I was discharged a few weeks ago but need some advice. I had several joint accounts including mortgage etc with my soon to be ex-wife. I have gone bankrupt and been discharged but she has yet to go bankrupt. As I am trying to make a clean break do I need to ensure that my name is taken off all accounts that were joint or will this be done automatically at the time of bankruptcy. I am trying to start a new life and do not wish to be financially associated with my ex and so wish to ensure I am doing everything possible as I have had numerous letters to my new house addressed to her even though she has never lived at this address. So following this do I also need to write to the credit reference agencies and inform them of the situation?
Thanks in advance for any help that you give. It is much appreciated

gettingoutofdebt
forum expert



2418 Posts

Posted - 26 June 2010 :  07:59:09  Show Profile  Reply with Quote
Your name will still be on the joint accounts but the creditors will now be chasing your wife for the debts rather than you. You can take your name off any joint credit agreements by disassociating yourself from your wife.

The Experian credit agency have an online form that you can complete (http://www.experian.co.uk/contactforms/consumer_onlinedisassociation.html) and the other credit agencies (Equifax and CallCredit) will probably have similar forms.

Edited by - gettingoutofdebt on 26 June 2010 08:00:28
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