Financially dissociation

butterbear

Hi all

Are you able to financially dissociate yourself from someone you still live with and are still in a relationship with? We no longer have any joint accounts or joint credit of any kind however we are both named on the tenancy agreement, the council tax and the water rates.

The information I have found suggests in one paragraph that you can but in another that you can't!

Thank you in advance

solentsusie

Hi butterbear


Not sure I have an answer but I know a number of students who have had this problem in the past with creditors chasing them for debts that were run up by others in their house as they all lived there at the same time. I would say that the water rates could be considered a joint bill and therefore you may well be associated - someone else with more knowledge may be able to confirm?


Looking at it the other way round. If you lived with your parents for example, but were listed on the council tax you would not be financially associated if no other joint accounts were in your name.


Perhaps one of the Experian CRA reps can advise?


Good luck.

Ben8282

I believe you can disassociate yourselves in this situation. Experian say joint utility bills do not cause financial association. Not sure about tenancy agreement though ... might be regarded as a joint credit agreement although unlikely to be being reported.

Experian_company_representative

Hi butterbear

butterbear wrote: »

Hi all

Are you able to financially dissociate yourself from someone you still live with and are still in a relationship with? We no longer have any joint accounts or joint credit of any kind however we are both named on the tenancy agreement, the council tax and the water rates.

The information I have found suggests in one paragraph that you can but in another that you can't!

Thank you in advance

Ben8282 is correct, you can financially dissociate from someone you are still living with and still in a relationship with. As long as there is no joint active accounts.

Regards
James Jarvis