my ex used my address to gain credit, this was our marital home but we have been seperated and divorced for 12 yrs and the deeds for the house are in my name only, is there anything i can do about this ?
2007-03-16 23:20:15 · 13 answers · asked by Anonymous in Family & Relationships ➔ Marriage & Divorce
this happened to me too,my ex used mine the swine! i just phoned the creditors who were after him and told them he didnt live here,thats all you can do i have not heard anything since so good luck to you.
2007-03-16 23:25:09 · answer #1 · answered by Jaz 6 · 1⤊ 0⤋
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2016-02-11 11:51:46 · answer #2 · answered by Ivonne 3 · 0⤊ 0⤋
Has he managed to secure this credit on the house? If he has it could ultimately lead to you losing your home! You need to consult with a solicitor who can help you find this out or you can initially try looking up the details of your home on The Land Registry website. For £3.50 land registry can tell you what credit or charges are secured against the house e.g. mortgages, secured loans, garnishe orders, etc. You need to act quickly. For a lender to extend credit without proof he resided there is not likely; under Consumer Credit Act they have stringent rules which if not followed could result in their credit licence being revoked. It is more likely your ex has provided false documentation. It may take police, solicitors, court, etc to resolve this but you need to do this!
2007-03-17 03:00:40 · answer #3 · answered by micheleamanda 2 · 0⤊ 0⤋
Yes! Firstly go to the reputable credit reference agencies and ask for the details of all credit that has been applied for from your address.This is simple and low cost.Then when you have the details in front of you ask the agencies how you can apply for a notice of dissociation.This is a legal form the effectively "removes" any financial link between you and your ex.you will need the details of his credit first though and may need to provide paperwork to them that proves the applications had nothing to do with you,the house is yours etc.
It shouldn't cost you too much-mostly your time.
I had to do this with my ex husband 15 years ago as I could not even get a catalogue at my address as he had been so reckless with money.I am assumming the above is still as it stands today.Once I had my notice my credit rating was restored fine and I never had any further problems.
2007-03-16 23:31:53 · answer #4 · answered by bungle 2 · 1⤊ 1⤋
I have never heard of this, the credit reference company could not have checked him out.
I would complain to whoever it is gave him the credit as everything should be credit refernce checked if you ahve him off your deeds etc then that should suffice,also go see your local Citizens advice bureau for more formal adiovve or the polie as this could pave the way for fraud!
2007-03-17 02:35:21 · answer #5 · answered by leopardshaz 5 · 0⤊ 0⤋
Sounds like you should pay a visit to our friendly neighborhood police station and file a report.
If you have information on the creditor (address, number) contact them and tell them that this fraudulent activity has happened.
This is very important. Do it now.
2007-03-16 23:45:01 · answer #6 · answered by Disco Stu 2 · 0⤊ 0⤋
Get a solicitor to sort it out for you or if you have the name of the credit company give them a ring and they should react pretty promptly. Make sure your home has not been given as a guarantee against the loan he has received. Whatever you do, do something quickly.
2007-03-16 23:28:09 · answer #7 · answered by SYJ 5 · 1⤊ 1⤋
If you contact one of the credit agencies (experian is one I forget the other). You can fill in a form that basically says he is nothing to do with you. Or you could try phoning them and seeing what they say. This will take him off your address and being linked with you so you cant be held responsible for his debts. Hope this helps!
2007-03-16 23:26:15 · answer #8 · answered by hiddenmyname 7 · 1⤊ 1⤋
contact experian and inform them. also contact the company he has gained credit from and tell them. dont know whether the police can help but it is fraud so give them a bell and ask for advice.
2007-03-16 23:25:19 · answer #9 · answered by Anonymous · 1⤊ 0⤋
i'd provide the businesses his new take care of and enable the police be conscious of reason in spite of in the journey that they don't do something you've information that you stated the incidents. yet another element you should do is ahead each thing to him and fill out an take care of change card on the post place of work in his call and placed his new take care of on it. the post place of work will then provide the hot take care of to each of the businesses and anybody else who sends mail to him.
2016-11-26 01:34:08 · answer #10 · answered by Anonymous · 0⤊ 0⤋