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ex boyfriend running up debt at ex's house
LITTLEMISSFLOWER
Posts: 429 Forumite
my mate has just had a debt collecter call her. it turns out her ex boyfriend has run up debt at her house. she told them where he is but her address is now down for having bad credit.
anyone know what she can do?
anyone know what she can do?
:jBaby Finley :j
:jBorn 3rd march at 9pm 7lbs 13:j
:(12 days late and very over baked:(
:jBorn 3rd march at 9pm 7lbs 13:j
:(12 days late and very over baked:(
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Her address won't be down as 'bad credit'. Luckily, the debt will follow her ex wherever he has popped off to.Well life is harsh, hug me don't reject me.0
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oh many thanks:jBaby Finley :j
:jBorn 3rd march at 9pm 7lbs 13:j
:(12 days late and very over baked:(0 -
but best she checks her credit files and see whats there.0
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My cousin in law's boyfriend applied for credit and somehow the debt is at her mums house in his name. I know when you apply for credit they check your details on the electoral register, but whats to stop someone getting a loan where they live and phoning up and informing company that they have moved address, they don't ask for proof of this do they???And yes the lady in the avatar is me
Slimming World started 12/5/11 : Starting weight 12st 3lb
Hoping to get to 9 stone by September 2011
Wk1 -1lb Wk2 -2lb Wk3 +0.5lb Wk4 STS0 -
achtunglady wrote:My cousin in law's boyfriend applied for credit and somehow the debt is at her mums house in his name. I know when you apply for credit they check your details on the electoral register, but whats to stop someone getting a loan where they live and phoning up and informing company that they have moved address, they don't ask for proof of this do they???
in general yes they do. which is why if you're not on the electoral roll you are usually refused credit unless you can provide other proof...utility bill, driving license etc.0 -
achtunglady wrote:My cousin in law's boyfriend applied for credit and somehow the debt is at her mums house in his name. I know when you apply for credit they check your details on the electoral register, but whats to stop someone getting a loan where they live and phoning up and informing company that they have moved address, they don't ask for proof of this do they???
I moved recently and both my current accounts wrote to me in my new address and asked me to confirm by telephone that I got the correspondence. Also my two loans both required change of address in writing.
Hope this helps - it's not as easy to just say you've moved
Leason learnt :beer:0 -
She needs to check her credit files to make sure there are no joint credit agreements. Although addresses aren't flagged as "being in debt" any more, you can be financially linked by entering into a joint application for any type of "credit".0
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The debt is not against her address. This article explains it properly
http://www.fool.co.uk/news/get-out-of-debt/credit-reports/2007/01/11/the-myth-of-the-indebted-house.aspx0
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