Help! Declined mortgage after AIP after discovering poor credit

Jlp123

Hi Let me explain more.

So basically i left my previous relationship, i thought we had closed down all bills etc, however my ex left the water bill in my name and he left the property without paying the final bill. This then led to a default being put on my credit accounts but was settled and satisfied 11.5.2017
The same with the credit card this was settled and satisfied 8.8.2017

I could not contact my ex because of legal and safety reasons for myself.

I feel so stupid for not following this through properly.

Since then i have only my car on finance, and a bank account and a mobile phone contract.

Like i said me and my partner have a really good income and a 15% deposit with 85% LTV.

Any help pr advice will be greatly appreciated

Thank you