Joint CCJ

mummyofboys1985

I am now discharged and starting the file clean up and have a question about financial connections.

Bankruptcy was due to shortfall of property that was with ex and my parents.

Anyway my ex and parent show as financially connected on my report and I want to remove them.

Is this possible? Shortfall obviously covered in my bankruptcy however there is a joint ccj relating to the property, I'm sure these work slightly different as in they will never show as "settled", so does this mean I can't remove the connection?

All other parties have not gone bankrupt if that makes any difference

National_Debtline

Hi there,


Although Experian have suggested they will consider filing a disassociation in some circumstances, normally, the account concerned would need to be settled or closed before a disassociation can be done.


If all of you (your ex, your parents and you) signed the agreement, but only you have gone bankrupt then your ex and parents are still liable to repay the money owed under the CCJ, because of joint and several liability. Unfortunately, they will be unable to file a financial disassociation with Equifax or Call Credit (now called Transunion) until the account is settled.


You can try and do the disassociation on Experian, as long as the account is not deemed to be 'active'. You would need to write to them, explaining why you want the disassociation and they will consider the application. Best of luck,


Laura
@natdebtline