Help Parners Parents

tootiemac

Please forgive me if this is in the wrong placeand i apologies for the length, I require some advice.

My partner and I are planning on moving in together this year. At this point we both live with our parents.

I am looking to find out if the below situation will have any effect on our plans.

A bit of background my partners parents owned their home up until 7 years ago, his mums work closed down and since she is going blind she has been unable to find work since. His dad suffered an injury at work and has since been unable to work.

After this injury they fell behind on the mortgage, i am lead to believe they also had to declare bankrupcy and sold their house to the council who rented in back to them.

On friday the housing association they rent from served all 4 people in the house (mum, dad, partner and his brother) with what I believe is a notice of intent to evict due to rent arrears.

I need to know what effect this will have on partner specifically when we go to explore mortages.

One of the biggest issues we have hit several times before is that my partner and his dad share the same name with middle initials.

We can just about afford to move out but with me working and earning a reasonable income and him only on 14 hrs would anyone have any suggestion on whether we could get help or what this means to him and his credit rating??

Any advice welcomed please

rogerblack

tootiemac wrote: »

I need to know what effect this will have on partner specifically when we go to explore mortages.

One of the biggest issues we have hit several times before is that my partner and his dad share the same name with middle initials.

None.
If he is associated in error, then he can get this corrected - it may be perhaps wise to go to experian or equifax, and get his credit record for free, and then cancel the service, or just spend £2 for the statutory report.

Unless, of course, he was a co-signatory on the mortgage, or rental agreements.

tootiemac

i understand what you are saying it is just that their names are so close and as they live at the same address it often takes a fair bit of time to clear it up when looking to finance or mobile contracts.

only_mee

The date of births are different though

LutonGirl

I think you might already be getting some good advice on your other thread

tootiemac

so hopefully him being served as a qualifying occupier, even if the parents get a "black mark" again it shouldnt affect us??

only_mee

tootiemac wrote: »

so hopefully him being served as a qualifying occupier, even if the parents get a "black mark" again it shouldnt affect us??

No, unless they are financially linked

tootiemac

Great, no they aren't financial link in any way I can think of.
Ok so off to make an some major housing decision thanks for the quick and clear responses.

cockaleekee

When I saw the title I thought you were going to ask for help for your partner's parents. You mention they are in arrears, are they in receipt of housing benefit?

tootiemac

Hi yea they are receiving HB. But im passed trying to help them now they are sticking their head in their sand. I need to help my partner as hes being asked for money he doesnt have.