We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Similar thing welcome finance
Hsam
Posts: 2 Newbie
I have recently been contacted by a company saying they are now responsible for my motor loan with welcome finance and that I should start paying them. £12800
When the said car was signed for I was married (20 years and together 27 years total ) and stupidly enough thought that things would be paid properly and we’d be together forever etc etc ..... this was more than 15-17 years ago.
I have been divorced a short time now and I am slowly getting a life as well as a credit score etc .... but now putting myself on the map as such is raking up the past that I had no control of.
( divorced him due to unreasonable controlling behaviour )
I had no idea that this was still an issue as it was so long ago and he told me that the car had been signed over to someone else then the car sold/taken back ?? So it was all sorted.
I could’ve had correspondence over the years moving between houses but I haven’t seen any !
I wouldn’t have had and definitely don’t now have any paperwork or remember any details of dates amounts etc etc .....
I know that he wouldn’t have made a payment for well over 10-11 years if not more but in 2014 that’s now showing up on my credit report it’s saying it was discharged in court.
I don’t what this means , if I’m liable still, if I contact them will this start it all off , if I can do the thing where’s there been no contact or payment before during or after the court decision ?? I’m just stuck as to what to do for the best and hate the fact this has now come up when I’m just starting to get my life back.
Can anyone help with advice please ?
Thanks
When the said car was signed for I was married (20 years and together 27 years total ) and stupidly enough thought that things would be paid properly and we’d be together forever etc etc ..... this was more than 15-17 years ago.
I have been divorced a short time now and I am slowly getting a life as well as a credit score etc .... but now putting myself on the map as such is raking up the past that I had no control of.
( divorced him due to unreasonable controlling behaviour )
I had no idea that this was still an issue as it was so long ago and he told me that the car had been signed over to someone else then the car sold/taken back ?? So it was all sorted.
I could’ve had correspondence over the years moving between houses but I haven’t seen any !
I wouldn’t have had and definitely don’t now have any paperwork or remember any details of dates amounts etc etc .....
I know that he wouldn’t have made a payment for well over 10-11 years if not more but in 2014 that’s now showing up on my credit report it’s saying it was discharged in court.
I don’t what this means , if I’m liable still, if I contact them will this start it all off , if I can do the thing where’s there been no contact or payment before during or after the court decision ?? I’m just stuck as to what to do for the best and hate the fact this has now come up when I’m just starting to get my life back.
Can anyone help with advice please ?
Thanks
0
Comments
-
Moved to new thread on debt free wannabe.I’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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards
