We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
Joint account removal
Options
iknowjohn
Posts: 11 Forumite
Hi,
I had a joint account with my ex wife. The overdraft in the account was in default. After we split all the debts she agreed to take this one on. We went through NatWest and got me removed from the account. However it is still on my Equifax report not only as defaulted with no date on there but also saying u still owe the money. Any advice would be appreciated.
John
I had a joint account with my ex wife. The overdraft in the account was in default. After we split all the debts she agreed to take this one on. We went through NatWest and got me removed from the account. However it is still on my Equifax report not only as defaulted with no date on there but also saying u still owe the money. Any advice would be appreciated.
John
0
Comments
-
If you were on the account when it defaulted, it's correct that it's still on there.0
-
You are both equally liable for the debt in the eyes of the creditor, regardless of the individual arrangement you made privately, and your credit file will reflect that, you cannot just choose to have your liability removed.
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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards