Housing Association arrears on old tenancy?

viewings

And also, what are the chances of them pursuing him, bearing in mind they dont have his address, its around £400

ILW

viewings wrote: »

And also, what are the chances of them pursuing him, bearing in mind they dont have his address, its around £400

They will probably try for a bit and then hand it over to a debt collection agency. Thats when the fun starts.
I find it difficult to understand why after just buying a house he is being so awkward about £400.
Are you sure he is telling you everything?

poppy_f1

viewings wrote: »

But all this is a bit academic now. Would it be OK to phone the HA and discuss with them, he would be annoyed if I did this, but I feel it needs to be sorted.

chances are they wont speak to you, as technically its between the HA and your OH, not you

viewings

ILW wrote: »

They will probably try for a bit and then hand it over to a debt collection agency. Thats when the fun starts.
I find it difficult to understand why after just buying a house he is being so awkward about £400.
Are you sure he is telling you everything?

Well thats probably a bit my fault because I was annoyed that he had not given notice in time for our move (or even there abouts, I would not have minded an overlap but not four weeks).

So I went on a bit about him not paying that because he had moved out. In addition, he felt that a 4 bedroomed house in central London would be needed immediately and so they should get someone in there very quickly and not charge him the month's rent.

The money in the house is mine, although its jointly owned, he did not bring anything to the property but we have agreed it is in joint names.

Fire_Fox

viewings wrote: »

Well he is a bit paranoid generally. He said that when people realised that he was moving out, they would be in,, all over the property, squatting etc. In fact, 3 days after we moved in here, he was still going back to collect things and sort belongings out, and found that the neighbour had been in to hack down the trees which she has never liked.

My problem with that argument was that it took him ages to clear his things out (he is a horder) and we knew that we would be moving about a year in advance, so he should have started sorting out then, rather than it being a big rush in the last 6 weeks.

AND he never seems to have any money? Does he have mental health problems or is he taking illicit substances?

viewings wrote: »

So I went on a bit about him not paying that because he had moved out. In addition, he felt that a 4 bedroomed house in central London would be needed immediately and so they should get someone in there very quickly and not charge him the month's rent.

The money in the house is mine, although its jointly owned, he did not bring anything to the property but we have agreed it is in joint names.

Why did a single bloke rent a four bedroom house when he doesn't have any money? If his name is on the deeds on your current property then any creditor could apply for a second charge against your house, I hope there are no kids involved here?

muskoka

As for him linking with you and your credit file, you I'm fairly sure you can contact the credit agencies and disassociate yourself with him. Just phone the credit agencies up & explain you want to disassociate with him on your credit file.

Oh, sorry. I'm talking rubbish - the two of you have a joint mortgage

viewings

And a joint account for bills

He wasnt single originally, he has children.

No he isnt on drugs. He has a lot of hangovers from childhood. I dont mean paranoid at a level which is visible on an obvious level, just in his general thinking about life and the world. Overly cautious and anxious about things, which I put down to limited life experiences and loss.

But back to the subject, as he wont listen to me, what can I do?

silvercar

But back to the subject, as he wont listen to me, what can I do?

He won't want you contacting the HA on his behalf and anyway they shouldn't talk to you.

You need this matter sorted for his and your credit rating protection. When you next look for a mortgage deal, you will lose out if his credit rating prevents you getting a good deal.

I'm tempted to say write an anonymous letter telling the housing association his new address. I say "tempted" because that suggests an element of distrust between you and him if you go behind his back. But you really need to get this sorted before debt collection agencies, CCJs and baliffs appear on the scene.

Fire_Fox

If you are organising your life to accommodate your paranoia then you have a problem - not handing your notice in because you think your neighbours are going to squat the house suggests an element of paranoid delusions whether well disguised or diagnosed or not. You only have two options: hope that this is the only debt he has and they won't ever find you, or take steps to divide your finances and protect yourself. For data protection reasons no creditor is allowed to discuss someone else's debt with you.

viewings

I know it is the only debt he has, I have suggested in the past to split our finances now that I saw how he deals with most thing by sticking his head in the sand and it annoys me. However, this only served to make him feel very insecure.

It was my plan to move and have him move with me. He gave up his family home, living with his (adult) children and has experienced lots of loss, so any talk from me about dealing with consequences of actions, makes him feel insecure about our relationship. He said I was giving him an 'ultimatum' and he often throws this word at me when I attempt to gain some control over finances.

He has some old fashioned views about dealing with life, he is in many ways very 1950s, stuck, feeling undermined by life but not feeling he has the 'right' to organise himself out of it.