Family ruining our credit

ashbtvs

Just wondering if anyone had any advice.

OH had a car which was surplas to requirements. His uncle (by marriage, not blood relative) wanted it so we gave it to him for nothing under the agreement that he would pay the finance on it until the balance was clear. Unfortunately things with this uncle and OHs aunt have since crumbled. It's a very messy situation with the police being involved and the uncle having no access to the aunt of their kids, he can be quite violent.

Last summer he stopped paying for the car finance and cancelled the direct debit. OH kept receiving reminders in the post (the finance company would not allow us to change anything into the uncles name when he took the car). He chased this up with the uncle and always got "a cheques in the post" or "it will be paid on friday". Needless to say this never happened. My OH didn't have the spare cash to be paying this bill for a car he didnt even have.

Eventually things came to a head and we demanded the car back, as there was no way we were letting him have it free. We went to pick it up and it was the most disgusting sight I've ever seen. The car was in mint condition when he received it but when we picked it up it was COVERED in rubbish, cans, and mostly disgustingly, ash. It also didnt start. We managed to clean it up a bit and sell it for the outstanding finance value and settled the debt with them.

Fast forward to today, and OH is having problems getting credit. We knew this would happen, which is why we were so relentless about getting the car back and sorting it once and for all.

Is there anything we can do to help our credit situation? I know you can add a note to your credit file, but I'm not sure how you would go about it or what to say, or even if that would be acceptable in this circumstance.

I know OH was stupid to enter this agreement in the first place, and if he could go back things would be done differently, but tbh you would never have guessed what kind of guy this man has become. A horrible human being. We cant change the past, but any help for the future would be greatfully received!

Thanks in advance!

StuTheDon

Hi - there is likely very little you can do, and you will need to put it down to experience. The only thing I can suggest is to make sure any defaults are marked "settled" given you did pay off the finance.

The responsibility of paying the finance was always your husbands, and it was a big mistake to give the car to someone else. I'm sorry, but there will be very little you can do.

ashbtvs

Yes he knows how stupid it was. Thanks, I will check that they are all marked settled