Nemo

yagger

Hello there I am after a little bit of advice, I was declared bankrupt in November 2009 and was discharged the year after, all my debts went into the insolvency, and I have moved on dramatically since then.

I have been trying to clear my credit file and most of my defaults from 2006 are coming off my credit file within the next few months. But one is still going to be there until April 2015 and that is a Nemo secured loan I had with my wife, we lost our house back in 2008 and there was a shortfall on the secured loan, so as my wife couldn't afford to pay they went to court and had a CCJ against her, we don't own any assets and Nemo has agreed for her to pay £50 a month to pay it.

My problem is that one Nemo still addresses me as if I own the debt, and sends out statements to that effect. And that they refuse to put the debt as settled , partially settled or closed, on my credit file it looks as if I still own this debt which legally I do not as it was on my statement of affairs, and as my wife is paying the £50 a month its reducing down on my credit file, which means that under the 6 year rule with statute debts it will be permanently on my file.

My wife who I am still with can only afford that amount as she is working part time, and only her income is relevant to this debt. Its also marking as default on her credit file, even though she is paying something towards it. Many thanks