Housemate had letter from courts

longwalks1

Im looking to move soon, so a larger mortgage etc, and yesterday my long term housemate (renting a room from me for a couple of years) had a letter from a court chasing them for £7k from an old loan from over 6 or 7 years ago, dont know how the court or lender knew they were at my address (dont really care to be honest), will this effect my credit score/rating, mortgage app in any way?

If there is the slightest chance of this, how do i 'disassociate' myself from them, legally? I know it can be done, who do you write to, and what do I need to detail?
Thanks in advance

GingerBob_3

britishboy wrote: »

Im looking to move soon, so a larger mortgage etc, and yesterday my long term housemate (renting a room from me for a couple of years) had a letter from a court chasing them for £7k from an old loan from over 6 or 7 years ago, dont know how the court or lender knew they were at my address (dont really care to be honest), will this effect my credit score/rating, mortgage app in any way?

If there is the slightest chance of this, how do i 'disassociate' myself from them, legally? I know it can be done, who do you write to, and what do I need to detail?
Thanks in advance

It should make no difference if you are not financially linked to your house mate, but all the difference in the world if you are.

It seems that it's now quite easy to become linked to someone you share accommodation with, see here:

https://forums.moneysavingexpert.com/discussion/5014396

Unfortunately there's an ever growing number of companies who feel obliged to report you to the CRAs (they, and the CRAs lie about how it's beneficial to you!). Mistakes can and do happen and these mistakes can be costly to the victims. There seems little redress. These companies carry on regardless, due to a regulator being asleep at the wheel.

What to do. Obtain statutory credit reports to find out if any low-life organisations such as Yorkshire Water have illegally set up a financial association. If they have, you'll need to take it up with them. Simply state that you are not financially linked to the person in question and insist they tell you how they come to think you are.

PaulW922

You do not have any joint products - bank accounts, credit etc? If not you should be ok but you can always check your credit files.

What you need to be wary of is your housemate getting a big CCJ against them and then bailiffs turning up at your door. Whatever the rights and wrongs of bailiff enforcement you could end up in the position of having to show that the contents of your home are yours. Regardless of your rights and the obligations of the bailiff, when someone is standing there with a distress warrant in his hand that has your address on it...

Presumably your housemate is moving out? If so i would ensure that the county court knows where they are going..