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8 years on...STILL having problems re financial associations.
eklynne
Posts: 2,396 Forumite
Back story, went BR in Dec 2008, lost my home, repossession included in BR, but only my half, ex partner not BR as far as I know. My credit record is very good, I have rented for 8 years succesfully, and quite happily! I've become a saver and have a couple of low level credit agreements, credit building credit cards predominantly, always paid off in full every month. Yesterday I attempted to get a very low (95pcm) pcp deal on a small car and was rejected. My equifax credit score is above national average and considered 'very good' on Clearscore. The only thing I think may be holding me back is a financial association with my ex. Herein lies the problem, I have no idea where he is and Equifax will not start a 'disassociation' application without his details! Hmm. Anyone had this problem?
Come ride with me, through the veins of history...
I'll show you how God falls asleep on the job.
~Matthew Bellamy.
I'll show you how God falls asleep on the job.
~Matthew Bellamy.
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In that case I would make a complaint to the information commissionaire.
You are in a catch 22 position unable to move forward whilst this problem exists.
If the CRA's are not been helpful, then the ICO your next port of call.
https://ico.org.ukI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks for that link, I'll get on to them.Come ride with me, through the veins of history...
I'll show you how God falls asleep on the job.
~Matthew Bellamy.
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