Can someone help!!!

KazzaR

I did think this yes. I am going to call Experian on Monday to clarify everything 

MovingForwards

You need to do the disassociation with all CRAs and not just Experian.

KazzaR

Yes I will do, thanks.

HampshireH

Ah if you have two kids together you definitely need to be honest with him (as you have said you will).

If he is stuck on a higher rate (and this is the reason from what you added it couldn't something else but that depends on how far they got). The hundreds he could be stuck paying on the mortgage could be going towards your kids (either now or their future)

Be prepared for his reaction and then give him some time it sounds like its going to be a big shock for him and people react differently when delivered such big news.

KazzaR

Thanks for your replies. I just wish I’d known prior to my DRO as I would of sorted it before. My nightmare is now happening again. Feel rubbish 

KazzaR

Also just to clarify I’ve nothing to do with his Morgage it’s all in his name only! We aren’t financially tied at all 

kaMelo

KazzaR said:

Also just to clarify I’ve nothing to do with his Morgage it’s all in his name only! We aren’t financially tied at all 

I get that you are concerned about your financial history having an impact upon your partner and don't dismiss that concern however your last post is worrying as you should also be concerned with your and your children's security too.  If your last post is correct, by trying to keep separation between you and your partner then it puts you in a very precarious position.
I appreciate this is outside the scope of your original post however I feel it's a point worth mentioning as something you should consider of equal importance.

KazzaR

kaMelo said:

KazzaR said:

Also just to clarify I’ve nothing to do with his Morgage it’s all in his name only! We aren’t financially tied at all 

I get that you are concerned about your financial history having an impact upon your partner and don't dismiss that concern however your last post is worrying as you should also be concerned with your and your children's security too.  If your last post is correct, by trying to keep separation between you and your partner then it puts you in a very precarious position.
I appreciate this is outside the scope of your original post however I feel it's a point worth mentioning as something you should consider of equal importance.

Hi again,
there was no way I could of gone on the Morgage I have been blacklisted a very long time ago so we knew I’d never pass a credit check, we had no choice. My plan is now to complete my 6 year DRO then try and build my credit score back up again and maybe eventually I can be added to it. 

I am currently waiting to hear back from Experian I can’t get through on the phone my anxiety is through the roof. It said the account is open.... it is but only in his name mine was removed ages ago. I’m assuming if they take his name off my financial connection, my name will still be on his?? Or will it be automatically be removed?

haven’t felt this stressed since applying for my DRO in fact I feel worse now. Been crying all day
anyeay I guess I can’t do anything until someone can email me back I’ve tried and tried and tried.

kaz

KazzaR

I can 100% say I’ve never felt this anxious I was bad enough entering my DRO but this now is on another level. So much for a better 2021😔

HampshireH

Previous posts advised that he would have to request your removal from his else you will still show