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Joint loan application disclosure

Hello, I have a joint loan of £12K lined to my Northern Rock Mortgage. I'm after some advice of what I put on future credit applications- do I disclose I have a £12,000 loan, or put down £6,000 as I'm liable for half of it, or would credit agencies see it as part of the mortgage?
Thanks in advance.

Comments

  • CLAPTON
    CLAPTON Posts: 41,865
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    you are liable for 12k; you are not liable for half.
    EU tariff on agricultual product 12.2%
    some dairy products 42.1% cloths 11.4%
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  • Peelerfart
    Peelerfart Posts: 2,177
    Part of the Furniture 1,000 Posts Combo Breaker
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    Are we to take it that paint has split from perfume and wants to dump half the debt?
    Space available for rent
  • 27col
    27col Posts: 6,554 Forumite
    CLAPTON wrote: »
    you are liable for 12k; you are not liable for half.
    I'll bet that was a surprise to P&P.Moral of the story is "read the t&c's"
    I can afford anything that I want.
    Just so long as I don't want much.
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