Desperate please please help

crazychick67

Hi there i really need advice im so worried. my hubby has left me and wants to sell the house. the house is in his name only but he has said that he will give me money etc and help me find a flat to rent when the time comes as he wouldnt want me to be destitute as he still cares about me. i so scared as i have 10k worth of debt he dont know about. i have been paying this and havent missed any payments etc. we dont have any joint finances either. With the money my ex gives me i will be able to pay my debt off. I am in full time employment and have been since 2001 same job etc. i am now very worried about what credit checks the letting agencys do will they find out about my debt. please answer this thread as i need answers.

fuzzgun19

I don't think letting agents do 'deep' credit checks, I would get a place then use the rest of the money X is giving you to pay off your debt.
I managed to rent a place with an agent a couple of years ago with a default on my file.

flicks

I wouldn't worry too much about this. When I rented a place a few years back I was told the checks were just to make sure I'd never been bankrupt.


You say you're up to date with the payments so if anything it will show you are a good payer.


Good luck with your future and your new home. I'm sure it will turn out well for you in the long run.


As far as your husband is concerned this debt is less of his business now than it ever was so don't worry even if he does find out about it.

elsien

You really need to get proper legal advice on your situation.
If you are married, depending on how long you have been married for and your individual circumstances, even if the house is in his name you may be entitled to a share of it if you have been paying towards it.
Your husband may be being generous, or he may be taking you for a ride. You need to find out one way or the other independently, rather than taking his word for everything.

crazychick67

he away at the moment but says he wants to do this as ammicably as possible says he still cares about what happens to me. i cant talk to anyone else about this as i am too ashamed. i looked on earlier threads about letting agency checks some people say that they only do public information checks to check my identity whether or not i have ccjs etc but others say they do full credit search and i have to providebank statements etc. i have a 3k overdraft which is included in the 10 k. i just want to be sure that i can rent myself a flat so that i can continue to work and live in the area. i have no one i can ask to be a guarantor for me as i believe that they have to be home owners.

Monkeyballs

Hi,

I just wanted to chip in and say stay calm, it will be ok as it at least sounds like he is going to do all he can to see you right.

Don't forget, you could also try looking at private lets too an not going through an agency... You might be asked for references but that'll just be your employer and possibly (at a push) a character reference.

Just hold tight and chin up, there is nothing to be ashamed of you mentioned the debts and that the money you get should repay them... Are you going to be ok afterwards?

MB x

crazychick67

im just so worried about everything. he says that we will have to go to a solicitor mediator and declare our debts. he'll go mad!!!! if he finds out about it. am so scared,

desperate_times

Don't be ashamed. It sounds a bit like he is driving the agenda. I would try to talk to a solicitor alone (even a 30 minute chat will be helpful) or Citizens Advice about your safeguarding your rights especially regarding share of the house. Don't worry about him being angry about your debts. If you are splitting up not his problem. Stay strong.

Morglin

Try these guys, but get some legal advice!

https://www.gov.uk/civil-legal-advice

Lin