Thread: help- i'm a criminal.

hi cecile and welcome

first of all we are not hear on CAG to judge you.
when in financial stress ,we all do things we regret
me included.
we are hear to help, end of story.

first thing

i take it this was a joint mortage.
on the loan did you forge his signature.
please be honest to receive the best advice.
there are certain things you can do.
at the moment my brothers wife has terrible debts, they have seperated due to marital break down.
as they are debts in her name, my brother sent the credit ref agencies a notice of dissasociation.
your ex could do this.
this means when a credit check is done on your ex, your details will not be shown. tell the cra that he is no longer residing with you. (seperated)
but as its a joint loan ,financial association comes into play.

you can ask the finance company, request) his details are removed, but as it is a legal document, this may proove to be an obsticle.

this is my opinion, and mine only.

sit down with your ex and talk
even though you have a bad credit history, you have equity in the house, finance will prob be no problem.
ask the finance company to cancel the old agreement and set up a new one in your name only for the balance.
tell them the house is on the market and the balance will be cleared when the house is sold.

.i dont recomend paying off a loan with another but as it is such a short term matter untill the house is sold, its an option to consider.

but please keep your ex informed at all times. he could cause trouble but if he sees this will be sorted rather quick, he will prob agree

i know you dont need this right now but

ime sure your ex should take some financial responsability
bills still have to be paid etc
when the house is sold, this debt will be cleared.
why should you pay the full balance


this is dodgy and advise think about going down this route.
he has one over you at the moment ref police.
he could insist the finance be paid out of your share of the sale and he will keep quiet.

but talk it out and both sides try to be sensable.
if the marriage is at an end, parting good friends is allways the better option

Hi Cecile and welcome to the Forum.
It is usually quite difficult for a mortgage to be changed from a joint one to sole or are you suggesting that he will no longer make the actual mortgage repayments in the meantime?

I note that you have put the house on the market, so once sold that should
clear the loan and if you making the other payment I am not sure that your husband can have too much to complain about. It's not as if you aking him to pay them.
After the house is sold your ex can put a note of disassociation on his credit file so that it is clear that he is removing his responsibility for any of your debts-or any incurred after his note at least.

or as the last post said
once the house is sold, you will clear the loan out of your share,
harsh i know, but an option

thanks to you all for taking the trouble to reply. I haven't slept at all these last few nights. I talked to people abouit a loan but my file is so bad.ccj defaults etc that i have no chance. yes i did forge his signature-not a proud moment- .god i am so scared.will try talking to him but he doesnt want to know he can be implacable......... thank you for not judging me too harshly..... three years ago i was in control of my finanaces and relatively debt free....now i am literally drowning in debt and feel like a non person. In this country anything to do with money or lack of it makes you feel like you dont count. and the law seems to care more for money than it does for crimes against the person if you look at the sentencing. sorry...i have turned into a joyless person with very little hope for the future.