How serious is this...

DaveLy

A friend of mines husband, left the house, found a new woman and lived with her for 4 years (as it was her new womans housing association property with kids) - pretty sure now they never said anything.

However, my friend has found out this ex. husband has claimed on his new morgage (12 months into a new one) that he said that his last address was with his ex. wife!!! When my friend was paying the morgage by herself for the last 4 years and has had nothing to do with him. Infact he's been divorced/off the morgage for nearly 3 years.

Just how serious is this?

beecher2

Serious in what way? I can't see how it would matter to your friend or impact on her, but it could be I'm missing something.

DaveLy

beecher2 wrote: »

Serious in what way? I can't see how it would matter to your friend or impact on her, but it could be I'm missing something.

He lied on his morgage application stating he was living somewhere for 3 years when he wasn't registered anywhere.

FraudBuster

DaveLy wrote: »

He lied on his morgage application stating he was living somewhere for 3 years when he wasn't registered anywhere.

What do you want to achieve?

Dan_1976

If he was registered at the wifes address then unless somebody tells or they are investigated I doubt anything will happen.

I think the housing association would be the one who would ne upset, then again this could lead to another family being upset, or is that the aim?

DaveLy

FraudBuster wrote: »

What do you want to achieve?

Asking of the legality of it, and potential outcome of it being reported.

She wants to sort her credit rating out, but this man has ruined it.
I remember 4 years ago, they were in arrears for the morgage, 70% paid off. They ask for money his reply "go f*** yourselves, you can have the house" :-)

beecher2

DaveLy wrote: »

Asking of the legality of it, and potential outcome of it being reported.

She wants to sort her credit rating out, but this man has ruined it.
I remember 4 years ago, they were in arrears for the morgage, 70% paid off. They ask for money his reply "go f*** yourselves, you can have the house" :-)

So she wants to get the man in potential trouble in order to gain revenge? Maybe she should move on - think it is healthier in the long run, and reporting him will not help her credit rating.

DaveLy

No, it's recorded as him being there etc. for the last 4 years, the very reason she does not want to correct this is in the event he gets in trouble. She has moved on, new fella, very happy. Just she wants to sort out her credit history, that is tarnished due to her ex fella.

The guy is a moron that she wants nothing to do with, however correcting certain records might land him in trouble, hence I'm asking the legality of it.

beecher2

DaveLy wrote: »

No, it's recorded as him being there etc. for the last 4 years, the very reason she does not want to correct this is in the event he gets in trouble. She has moved on, new fella, very happy. Just she wants to sort out her credit history, that is tarnished due to her ex fella.

The guy is a moron that she wants nothing to do with, however correcting certain records might land him in trouble, hence I'm asking the legality of it.

So what you're really asking is - would challenging a credit file have an impact on his present mortgage? I'd say no it wouldn't as the lender won't recheck his file, though I don't know what impact it would have on future mortgage deals.

VIGILANT22

So you're "friend" didn't inform the local council (for council tax purposes) she was now living alone?

DaveLy

VIGILANT22 wrote: »

So you're "friend" didn't inform the local council (for council tax purposes) she was now living alone?

Family home, with kids over 18.