The ex missed a payment

slam2k5

Hello,

I've recently discovered that my ex partner has missed a direct debit payment which has caused a discrepency in my credit file.

We split up in February and we were together for 3 years. We moved in together last year, the house had been mortgaged under the ex's name. There were many things that we had bought and paid up together -tv, couch etc. Although silly me... it seems I was paying over my fair share as the ex liked to gamble

Everything that was bought jointly using credit and had been paid off except for the fitted windows which we had installed last March. The ex missed a direct debit which has resulted in a mark against my name and I'm struggling to transfer my credit card balance to a new provider.

I walked away with a bag full of clothes, I didn't want anything from the house except to be rid of the ex.

Can someone please advise me on how I can get my name of the credit agreement for the windows (if possible) and to clear up my credit history.

Thanks

NickWarren_2

When you signed the credit agreement for the windows did you both sign it, I.E was it in both of your names. If so i think you are still liable for the default as the payment is joint responsibility. As far as getting the credit agreement changed i am unsure how you do this, maybe contact the credit company, but your ex would have to agree to take sole liabilty for the credit to have you removed. Is she likely to do this?

slam2k5

we both signed it, I phoned up GE Capital and they said there hands were tied. I was hoping there was a way I could do this and avoid dealing with the ex. I'm not entirely sure if the ex would do this after basically taking money off me and gambling it away. It would probably be best if I write a letter, perhaps threaten to take them to court for my half of the contents if they refuse to take my name off the credit agreement. I know that sounds harsh but the ex was left with everything and I've had to start all over again, thanks to friends and family that's been possible.