Ex Husbands Default on MY Credit File?

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I have just obtained a copy of my credit file and was mortified to discover that my perfect credit history is in tatters.

Nat West have lodged a default against me for £2K last September. I last had a Natwest Acc with my ex. It was his salary account which he opened in 1991 and had an over draft of about £1000. I became a second account holder after we married in 2002 and the overdraft was increased over a couple of years to about £2k purely on the strength of his salary (mine was paid in elsewhere). When we parted after 4 years, the account was in credit and I was removed from the account at both our request to put it back in his name for his sole use. I gave them back my card and cheque book and Natwest removed me from the account.

Since our parting, my ex has now run up considerable debt and last year sorted out an IVA which has left him tickety boo with no defaults on his record apparently.

The Natwest told him that I was equally responsible for the overdraft debt of £2k as I used the overdraft while we were married, even though I had NO part in the default.

Natwest have made no attempt to make contact me at all. I have found out about this default which has had the effect of wiping out 20 years of perfect payment history. I am fuming!:mad:

Does anybody have any suggestions on how I can take this further to get this removed as quickly as possible? Who do I approach first please?:)

Many thanks
Karen

jwil

Was the default registered after you were taken off the account? That seems weird to me, though I'm not an expert. If you were a joint account holder when the default was issued, then I imagine there's not a lot you can do as your name was on the account, so therefore you were jointly liable for it.