Need help with partner's bad credit

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  • Nasqueron
    Nasqueron Posts: 8,827 Forumite
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    edited 18 June 2018 at 3:44PM
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    The company will not accept any issue with identify theft or clearing the accounts (or removing late markers etc) unless she is prepared to progress with a fraud complaint against her mother. If she isn't prepared to then she's essentially confirming she is at least accepting of the use of her name with the companies, even if she's not happy about it
  • Candyapple
    Candyapple Posts: 3,384 Forumite
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    ID theft, post #11
    https://forums.moneysavingexpert.com/showthread.php?t=5650944&highlight=cifas

    So if your fiance doesn't shop her mum in then pretty much when you apply for your mortgage next year you should speak to a specialist broker who deals in adverse credit:

    1. Your partner will have 6 months late payments against her name / possible default

    2. Your partner will have £5k debt against her which will be taken into consideration and deducted from the amount the lender will loan

    Does your fiance live with her mum?

    So did your fiance only find out about these 4 accounts when she got her credit reports? Has she checked all 3 to make sure there is nothing else that has been taken out?
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • banking
    banking Posts: 9 Forumite
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    This is what I'm worried about. Is there any way to transfer the liability to her mother's account?
  • Nasqueron
    Nasqueron Posts: 8,827 Forumite
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    banking wrote: »
    This is what I'm worried about. Is there any way to transfer the liability to her mother's account?

    Again only through reporting her for fraudulently applying for credit in her daughter's name.

    They could potentially move the accounts over but that won't change the late payments on your fiancee's record
  • banking
    banking Posts: 9 Forumite
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    Candyapple wrote: »
    ID theft, post #11
    So if your fiance doesn't shop her mum in then pretty much when you apply for your mortgage next year you should speak to a specialist broker who deals in adverse credit:

    1. Your partner will have 6 months late payments against her name / possible default

    2. Your partner will have £5k debt against her which will be taken into consideration and deducted from the amount the lender will loan

    Does your fiance live with her mum?

    So did your fiance only find out about these 4 accounts when she got her credit reports? Has she checked all 3 to make sure there is nothing else that has been taken out?

    Yes, she only just found them, I'll get her to check the other reports. The debts should be cleared by the time we apply for a mortgage, it's the repercussions of the 6 month missed payment.

    She hasn't lived with her mum whilst the accounts have been open. The electoral register shows that she has lived elsewhere. This is why I'm confused that it was allowed to be opened in her name, even with the wrong date of birth.
  • Candyapple
    Candyapple Posts: 3,384 Forumite
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    banking wrote: »
    This is what I'm worried about. Is there any way to transfer the liability to her mother's account?

    Not without implicating your fiance to fraud and potential CIFAS marker for opening an account under material falsehood.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • Candyapple
    Candyapple Posts: 3,384 Forumite
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    If the debts will all be repaid by next year and your fiance definitely will not go down the fraud route, she will need to understand that by doing so means that you will have to use a specialist adverse credit broker and your mortgage lending pool will be substantially smaller and probably won't be at High Street rates either. Those 6 months of late payments being so recent will be the killer.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • ywlgy
    ywlgy Posts: 146 Forumite
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    Her mother knows your fiancee's DOB and address and must used it when applying. I don't think one can pass id check with only a name and wrong DOB.
  • GDB2222
    GDB2222 Posts: 24,670 Forumite
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    Candyapple wrote: »
    Not without implicating your fiance to fraud and potential CIFAS marker for opening an account under material falsehood.

    But the fiancee hasn't committed fraud. Not even a little bit.
    No reliance should be placed on the above! Absolutely none, do you hear?
  • System
    System Posts: 178,094 Community Admin
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    banking wrote: »
    This is what I'm worried about. Is there any way to transfer the liability to her mother's account?

    Report her mother for fraud. That is the only option that gives you any remedy for this situation.

    Personally if my parents had done that I would have no hesitation whatsoever in walking straight down to the police station and reporting them. They clearly wouldn't have given a stuff about me when they were doing it so why should I feel guilty when they suffer the consequences?
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