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Financially linked to an ex...?

EllieF
EllieF Posts: 9 Forumite
edited 8 February 2011 at 9:47AM in Debt-free wannabe
Ignore please!

Comments

  • I think there is a way of creating a 'disassociation' with another. If you need to do this, contact the credit ref agencies to do so. I think a note is put on the file to this effect.
    I'll have to sort this out!:rotfl:
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_cpo_faq
    You can apply for a Notice of Disassociation if there is credit agreement information on your Credit Report that relates to a person with whom you have no financial association. You can complete an on-line form by clicking here. Equifax has up to 28 days to complete the process of adding the Notice of Disassociation to your credit file.

    You basically need to ring the 3 credit reference agencies, experian, equilifax and call credit, and get the Notice of Disassociation applied.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So long as your name is not on the account, or was added without your permission (you didnt sign for it). You should be ok.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes, if you signed it to come off then yes, just as a back up do you have any proof of it? The bank would have to have agreed to take you off, as it would make the other account holder fully liable for the account.

    If your unsure, you could SAR the bank. http://forums.moneysavingexpert.com/showpost.html?p=12547639&postcount=10
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
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