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Debtress
Posts: 8 Forumite
I wonder if anyone can give me some advice please. 8 years ago my ex-husband and I separated in the February of 2011. We eventually sold our house in November 2011. The solicitor dealt with all the finances at the time, paying off mortgage etc.
Recently, I have had reason to check and be on top of my credit file and I can see that I am financially associated with my Ex on Equifax and Transunion and it is with a company called Nemo Personal Finance. I rang Nemo's and they said they were a personal mortgage company. Well I have never had any dealings with them and the last time my Ex and I were "associated" with them was January 2011. Is it possible that my Ex took out a loan with them and because we were married at the time, I am linked to it? So, if he has defaulted in any way, will my credit record be continuously affected until he has paid off whatever it was he borrowed? He could not have borrowed it on the marital home at the time as I think the solicitor would have commented on it.
I am also puzzled as when we finally split up, I took a new mortgage out but he has never taken a mortgage out and has always rented. Nemo's told me that if my property did not have a Charge against it from them, then he could not have said he owned my property. The only Charge on my property is my mortgage company.
Experian do not have any associations on my file only Equifax & Transunion.
Recently, I have had reason to check and be on top of my credit file and I can see that I am financially associated with my Ex on Equifax and Transunion and it is with a company called Nemo Personal Finance. I rang Nemo's and they said they were a personal mortgage company. Well I have never had any dealings with them and the last time my Ex and I were "associated" with them was January 2011. Is it possible that my Ex took out a loan with them and because we were married at the time, I am linked to it? So, if he has defaulted in any way, will my credit record be continuously affected until he has paid off whatever it was he borrowed? He could not have borrowed it on the marital home at the time as I think the solicitor would have commented on it.
I am also puzzled as when we finally split up, I took a new mortgage out but he has never taken a mortgage out and has always rented. Nemo's told me that if my property did not have a Charge against it from them, then he could not have said he owned my property. The only Charge on my property is my mortgage company.
Experian do not have any associations on my file only Equifax & Transunion.
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Comments
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Would have thought that you would have asked these questions to Nemo Personal Finance when you were talking to them.
Your credit report will show the reason for the creation of the association.
If you have no joint account then request disassociation from the CRA.0 -
So should I ring back to Nemo's and ask why I am associated to with him?
I have Equifax to disassociate us.0 -
So should I ring back to Nemo's and ask why I am associated to with him?
I have Equifax to disassociate us.
Let the CRA know that the association is no longer valid. Include details of when that association ended and who it was with.
If there is a contest of that financial association and the link cannot be removed for whatever reason, the CRA will provide details and you can then contact the associated creditor for a dispute.Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.0 -
Thank you T-G-C.:beer:0
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