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DMP & wanting to get Married...any advice?
MMachine
Posts: 19 Forumite
Hi All,
Im just wondering if anyone can give me a bit of advice.......im currenlty into the 3rd month of a DMP with the CCCS.
Me and my partner were wondering what would happen if we got married.
I currently owe around 15k and will be paying it back for a few years. She has her own house in her own name, no debts apart from the mortgage and a good creidt rating.
Will this affect her credit rating and would she be seen as an alias to my debts? Like when she renews her mortgage or getting a loan etc?
Also would it effect the money I pay back on my DMP?
I currently pay her an amount towards my lodgings and food etc.
Any help or advice is greatly welcome.
Thanks
Im just wondering if anyone can give me a bit of advice.......im currenlty into the 3rd month of a DMP with the CCCS.
Me and my partner were wondering what would happen if we got married.
I currently owe around 15k and will be paying it back for a few years. She has her own house in her own name, no debts apart from the mortgage and a good creidt rating.
Will this affect her credit rating and would she be seen as an alias to my debts? Like when she renews her mortgage or getting a loan etc?
Also would it effect the money I pay back on my DMP?
I currently pay her an amount towards my lodgings and food etc.
Any help or advice is greatly welcome.
Thanks
0
Comments
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Personally I would pm cccs_sarah and ask her...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/260 -
Hi im on a dmp. And i got married one year into it..
I has never afected my payment or anything like that. But i have to tell you the truth iv never told them that i married!!!! But to tell you the truth again thay never asked hhehehehe. I was living with my wife at the time i set it up and told them i was living with someone and paid harf.
Iv now only got 10 months left on the plan and iv been married nearly 4 years.
So dont worry about it. if the debt was years before you got married and you set the plan up beforte you got marred then as far as i can see its got nothing to do with your wife.
Just carry on telling the plan people that you pay harf of all bills. The same as brfore
Good luck and all the best with your debt...life....and wife...:jYou can have everything you wont in lfe, If you only help enough other people to get what they wont.:j0
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