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Separated, how much should I provide?

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  • ampersand
    ampersand Posts: 9,675 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hello Jack - I think your Decree Nisi was due through today.

    Hope all went smoothly and that you continue to benefit from a more untroubled sleep.

    Thinking of you.

    Take care.
    CAP[UK]for FREE EXPERT DEBT &BUDGET HELP:
    01274 760721, freephone0800 328 0006
    'People don't want much. They want: "Someone to love, somewhere to live, somewhere to work and something to hope for."
    Norman Kirk, NZLP- Prime Minister, 1972
    ***JE SUIS CHARLIE***
    'It is difficult to free fools from the chains they revere' François-Marie AROUET


  • JackRS
    JackRS Posts: 1,063 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    ampersand wrote: »
    Hello Jack - I think your Decree Nisi was due through today.

    Hope all went smoothly and that you continue to benefit from a more untroubled sleep.

    Thinking of you.

    Take care.

    Yes think so had some further requests from my solictors to send updates of all bank and credit card statements. I'm running out of options for 0% cards, tried applying for some today but got rejected guess they must know I've got 3 0% cards with £14k on. The 0% ends on one in Feb but can't transfer as others are close to the limit. Still got some big legal fees to cover so things are going to get more difficult.
    Regards

    JackRS
  • RAS
    RAS Posts: 35,764 Forumite
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    JackRS wrote: »
    Yes think so had some further requests from my solictors to send updates of all bank and credit card statements. I'm running out of options for 0% cards, tried applying for some today but got rejected guess they must know I've got 3 0% cards with £14k on. The 0% ends on one in Feb but can't transfer as others are close to the limit. Still got some big legal fees to cover so things are going to get more difficult.

    Remember that three or more applications for credit in three months affects your credit rating and that rejections are also a problem.

    May be worth getting all your credit records now and just before the court date.
    If you've have not made a mistake, you've made nothing
  • JackRS
    JackRS Posts: 1,063 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    RAS wrote: »
    Remember that three or more applications for credit in three months affects your credit rating and that rejections are also a problem.

    May be worth getting all your credit records now and just before the court date.

    Thanks, what do you mean by credit records?
    Regards

    JackRS
  • RAS
    RAS Posts: 35,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    http://www.moneysavingexpert.com/loans/credit-rating-credit-score#trick

    Get all three. Your recent rejections may not be showing up yet as it can take one month for them to up-date.

    P.S if you are now a renter rather than home-owner or living at an address where you are not on the electoral roll it will affect your credit rating.
    If you've have not made a mistake, you've made nothing
  • JackRS
    JackRS Posts: 1,063 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    RAS wrote: »
    http://www.moneysavingexpert.com/loans/credit-rating-credit-score#trick

    Get all three. Your recent rejections may not be showing up yet as it can take one month for them to up-date.

    P.S if you are now a renter rather than home-owner or living at an address where you are not on the electoral roll it will affect your credit rating.

    Well I've done the Equifax one and the only red I've got is electoral roll so maybe that's the problem?
    Regards

    JackRS
  • RAS
    RAS Posts: 35,764 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    JackRS wrote: »
    Well I've done the Equifax one and the only red I've got is electoral roll so maybe that's the problem?

    Essentially you have no chance of getting a new 0% card without being on the current electoral roll. I am guessing your ex has taken you off the house list:(.

    You should be able to get yourself listed at your current address by going to your local Council website and finding the form there.

    Just make sure that all your other accounts are at your new address.
    If you've have not made a mistake, you've made nothing
  • ampersand
    ampersand Posts: 9,675 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 30 November 2013 at 11:08AM
    Thinking positively, hoping powerfully that 'No news is Good News' for you this w/e, starting tonight, with your own 'Jack special' downtime.
    If the postponed cinema date with daughter goes ahead, I wish you both a happy time out together, with some nonsense and laughter thrown in.
    Have you worked out an alternative crimbo for yourself Jack?
    There were some good ideas in earlier posts.
    Hopefully, I'll be volunteering.
    All good wishes.
    CAP[UK]for FREE EXPERT DEBT &BUDGET HELP:
    01274 760721, freephone0800 328 0006
    'People don't want much. They want: "Someone to love, somewhere to live, somewhere to work and something to hope for."
    Norman Kirk, NZLP- Prime Minister, 1972
    ***JE SUIS CHARLIE***
    'It is difficult to free fools from the chains they revere' François-Marie AROUET


  • duchy
    duchy Posts: 19,511 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Xmas Saver!
    RAS wrote: »
    Essentially you have no chance of getting a new 0% card without being on the current electoral roll. I am guessing your ex has taken you off the house list:(.

    You should be able to get yourself listed at your current address by going to your local Council website and finding the form there.

    Just make sure that all your other accounts are at your new address.

    Unless Jack has put his home address as the marital home rather than his flat on the application (which seems unlikely Mrs Jack doesn't need an extra card ;) ) then it'll be more to do with no electoral roll entry at the applicant address....not the old one. Definitely get onto the electoral roll Jack.
    I Would Rather Climb A Mountain Than Crawl Into A Hole

    MSE Florida wedding .....no problem
  • JackRS
    JackRS Posts: 1,063 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    duchy wrote: »
    Unless Jack has put his home address as the marital home rather than his flat on the application (which seems unlikely Mrs Jack doesn't need an extra card ;) ) then it'll be more to do with no electoral roll entry at the applicant address....not the old one. Definitely get onto the electoral roll Jack.

    Yes according to the credit ref it is the electoral roll that's the problem, I have already register and have an email confirming that but council don't updatr their records until Feb each year.
    Regards

    JackRS
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