Credit association

5tavros

Hello all, I'm brand new to posting but I have followed the forums for a long time.

I'm just after some advice. My ex partner still resides in a house where we are both on a joint mortgage. We have been separated for a number of years. Things are very amicable.

We were unfortunately part of the together mortgage from NR. Up until very recently there was still zero equity with buying the house at the height of house prices.

My ex has decided to opt for a individualised mortgage payment plan without any discussion with me (she views the house as hers and not mine and will not entertain any other opinion).

So as she is on a payment plan, my credit file is really bad and showing as mortgage is delinquent and in arrears for over 6month (as the outstanding balance is building up, regardless of what is being paid per the plan)

I know I have accountability as I'm on mortgage. But my credit accounts are pristine and this joint account is very worrying and really affecting me and the other ly account with a negative rating.

Very recently with house prices rising, there is a possibility of remortgage, however with the poor credit score I'm unsure if ex could get a mortgage.

I'm worried if I pay more, further down the line my ex makes further sole decisions and I suffer further consequences.

Is there a way out for me or is there any advice I could have? I feel pretty powerless atm and I have no control of my own credit status.

[Deleted User]

Put simply, you won't be able to disassociate while you have joint financial products. But the history of your delinquent mortgage is the real concern and will last much longer.

[Deleted User]

Lenders never see the fictional score but the credit negatives will be recorded for 6 years as a joint finance

At best you could force a sale, pay off the mortgage and arrears and then wait for time to lessen the impact