It was marked as BB, but never as default. I have never had any default notice sent to me, but as I said in the original post I was totally unaware of what was going on at the time. The Mortgage company did not have my address when I moved away from the area, the reason being, they supplied the address I first moved into when I walked out to my ex wife, which caused a lot of problems for me. I had to call the police 4 times to get my ex wife to stop her threatening behaviour. So it is possible she had a default notice. As I also said previously, as soon as I found out I was in immediate contact with the bank.

Hi, and thanks for the response. I fully understand what you are saying. However, shouldn't the account have been marked as Default at the time of default, Not just in the last month?

Hi All, I have recently looked at Noddle and found a default has appeared on my file. This is in relation to a mortgage with The One Account. In brief, I was unaware that my ex wife had moved out of our house after I divorced her. By the time I found out and contacted the mortgage company, they told me she had requested a voluntary repossession, and I had no option but to agree. After trying a few things, I had no choice. I then came to an agreement with them in my name only to pay off the shortfall. I have met these payments without fail every month. However the last 2 months have been marked as default on my credit file. I have not received any notice of this, and the payments have been made on time. Contacting Noddle they have wrote back saying the information is correct and cannot be removed. So what is my course of action to sort this problem out please? Who can I complain to? Any other advice would be great as well. Many Thanks

I have a default which should have dropped off on 15/03/2014. Experian were on the ball and its dissapeared. However its still on equifax despite ringing them 4 times this week and them telling me they were onto it. Is there anyway i can be a bit more forceful??

That was a finance manager at a car dealer that told me. I have a default due to drop off in 12 days and was asking about finance with him to establish my possiblity of acceptance

Can I just ask a question about defaults. When they are removed after 6 years, regardless of being settled or not, can a potential lender still see them when they credit check you. I have been told they can, which makes the whole thing a bit pointless!! Many thanks

So, I wrote a letter to the CSA and have not heard a thing. I then contacted HMRC, who have confirmed again that Child Benefit should have stopped the Monday after my Daughter started working over 24 hours a week. I asked if this was the case as the hours my daughter's working, are only up till christmas. She will then revert back to her normal less than 24 hours a week unless she gets overtime. They told me that Child Benefit should have stopped, soon as she worked over 24 hours. I cannot find out anything in regard to their investigation so I have to sit and wait in hope it all gets sorted, and in the meantime just keep paying up, Is there something like a Complaints Commision for Child Benefit/ CSA I can write to Or is there anything else i can do other than sit and wait till they bother to do something? I have thought about reporting fraud to the police, as she is defrauding money off of me. Any ideas whether this would be a successful move? Would HMRC do something if my solicitor was to write to them?

I will have a chat with my solicitor tomorrow to see what she thinks. The default cost form does what exactly?

I have an assessment of the costs already done by a costs draughtsman. That lays out the exact costs due to me for the divorce. This amount is in line with a standard divorce so I know it is right. I have not got any exisitng claim ongoing, nor have I tried to enforce any amount to be paid as yet. I can get my solicitor to write umpteen letters to her which she will just ignore. This will just rack up more costs for me, on top of already spiralling costs which I can ill afford. The only way to get this woman to acknowledge anything is to do the correct thing. I have not spoken to her since I seperated, not even during the financial settlement hearings. There is no chance of mediation, or even talking sense to her. I do not have much of an option but to pursue her for the money in this way. Going back to the existing claim you mention. If that is the financial matters matters you are on about then they are already agreed and settled. The divorce costs were not part of that process at all.

Thanks again!! I have found the invoice where my file was costed by a "costs draughtsman" so I have the precise figure now!!

Have just spoken to the County Court that dealt with my divorce. They have informed me that they do not enforce costs so writing such a letter serves no purpose. I guess MCOL is the only option?? If so, should I write a letter to my ex wife first, stating the amount she owes me and give her the option of making an offer of settlement beforehand. I don't expect her to even respond to any letter I send so it will just be a paper exercise to show the court I have made the effort. Is there anything else I should do before using MCOL?

Many thanks, I will get on with costing the exact amount she owes and hopefully get a letter sent early next week. If I have any more queries I will post them on here. Once again thanks for your help.

So I can write to the court using this letter format first? I dont understand the D11 form and the copy marriage certificate part. I presume the copy is the amount I paid to obtain the marriage certificate. Can you please clarify.

Thank you.

If its not possible to get this sort of advice here can somebody direct me to where I can. Many thanks

Hi All, If possible I would like to seek a bit of advice on this matter. I am not sure it is in the right forum so please move it to the correct place if not. I divorced my wife 3 years ago. I was awarded costs and that is listed on my Decree Absolute. I have since settled the financial matters, which was a costly affair but it is now finished with. What was never discussed, nor put on the table in any of the hearings was the award of divorce costs. These costs have never formed any part of the financial settlement. I am now wanting to pursue my ex wife for these costs, in the region of £1300. (I need to cost this amount exactly) There is no way she will be forthcoming with any offer, nor will she acknowledge any letter from my solicitor. I think the only option would be for me is to use the MCOL facility and issue proceedings for the amount against her. Is it possible to do this? Is there anything I need to know before I make this claim? What is the likelihood of a successful claim for these costs? Any assistance will be gratefully received with this matter. If there are any other suggestions then please feel free to suggest them for me. Many thanks in advance

Hi All, If possible I would like to seek a bit of advice on this matter. I am not sure it is in the right forum so please move it to the correct place if not. I divorced my wife 3 years ago. I was awarded costs and that is listed on my Decree Absolute. I have since settled the financial matters, which was a costly affair but it is now finished with. What was never discussed, nor put on the table in any of the hearings was the award of divorce costs. These costs have never formed any part of the financial settlement. I am now wanting to pursue my ex wife for these costs, in the region of £1300. (I need to cost this amount exactly) There is no way she will be forthcoming with any offer, nor will she acknowledge any letter from my solicitor. I think the only option would be for me is to use the MCOL facility and issue proceedings for the amount against her. Is it possible to do this? Is there anything I need to know before I make this claim? What is the likelihood of a successful claim for these costs? Any assistance will be gratefully received with this matter. If there are any other suggestions then please feel free to suggest them for me. Many thanks in advance

I have not had chance to tell them yet. My solicitor has advised me not to pay as she knows it will be futile trying to get a penny back off the ex. I dont know whether i can grt the csa to suspend payments pending the outcome of investigation or not. They wont care at all about me getting the money back or not as long as they get it in the first place.

Hi all, A little bit of advice if possible please. My ex is still claiming child benefit even though my daughter is 19, not in further education and has a job. Her current hours are 44 per week. I have informed the CSA of this and they have said as child benefit is still being paid, I have to pay them. I have reported the ex for fraud to the Child benefit people who are now investigating. The CSA are continuing to ring me and tell me I need to pay up. If I do there is no way at all I will get any of the money back off my ex. What should I do? Before anyone says I should pay to the upkeep of my daughter I havent got a problem with that. The money paid already to the csa has gone in the ex's pocket and none to my daughter. I want to help my daughter out directly of course! Please help!!!

Thanks for that Andy. I have spoke to my solicitor in regards to this. She put me in touch with a solicitor that deals with this type of thing. With my fees already running at nearly £10k I simply cannot afford to use her services at present. If I establish that I have an excellent chance of taking successful legal action against them then I could pass them costs over. This is why I am trying to get opinions before I take that step. i have complained to the financial ombudsman so will see what they have to say as well

Ok... take it I will have to go somewhere else for answers... has this forum gone down the pan in regards to advice??

I can do that, but I still want to know if they can do what they have and whether I can take further action against them

Hi all, Following an extremely messy seperation and subsequent divorce from my wife nearly 3 years ago, something has come to light whilst going through the financial settlement. This is also extremely messy as she is totally unreasonable with everything. I took on the marital debt when I seperated, which stands in the region of 24k. One of these debts is loan off Black Horse which is in joint names. It was taken out as a deposit for a conservatory. As with all the other debts I am dealing with, my ex-wife is denying all knowledge. Unknown to me at the time, she had contacted Black Horse after we had separated, and told them I had forged her signature on the application. This only came to light when I saw it in her financial statement. ( I will say at this stage, my ex-wife is not the brightest and she will blatantly lie about anything in order to achieve financial gain. How she can lie through her back teeth as she does is beyond me!!!). Once all this came to light, I contacted Black Horse and asked about the fraud investigation. They informed me that the fraud investigator had been unable to prove fraud and the case was closed. I asked for a letter confirming this outcome. The letter I received did not say anything about the fraud investigation, just that they wished to confirm my ex-wife had been removed from the account. I rang them back and eventually got the letter confirming the result of the investigation. Interestingly there were no signatures at all on the original loan application. I then turned to the fact of my ex-wife being removed from the account. My solicitor wrote to Black Horse asking them for the reasons behind my ex-wifes removal from the loan. ( I had given them written permission for my solicitor to have full disclosure as she was acting on my behalf) Black Horse wrote back to her stating it was a "Business Decision" and they would not provide any details under Data Protection. I then wrote to Black Horse, requesting all the details as being the joint account holder, my ex-wife was not afforded the luxury of the Data Protection Act. I heard nothing. 2 days ago I phoned them to see what was going on. It was apparent they were squirming and nobody could give me any answers as to why my ex-wife was removed from this joint loan, with no authorisation, agreement or even consultation with myself. They informed me they had escalated the complaint and a senior complaints manager would contact me. Yesterday I had that phone call, and the attitude had completely changed. The manager was very abrupt and told me it was a business decision and under data protection they would not tell me why they had done this. He asked if I was going to make a complaint to which I replied I already had. He just said fine, I will send you the final outcome letter and hung up. So what I am asking.... 1, Are Black Horse able to remove my ex-wifes name from a joint loan, without any consultation or agreement by myself, being the other joint name? 2, As a joint name on the loan, is my ex-wife still protected by Data Protection? 3, Do Black Horse have to provide me with the reasons behind their decision? 4, Have Black Horse been unlawful in anyway with their actions. 5, What should I now be doing about it? I have been in touch with the financial ombudsman in regard to this. The case is in its early stage so it will take some time for them to investigate and reach an outcome. Do I have grounds to take legal action against Black Horse for what they have done, or is it a totally legitimate action? This joint account is the only one that linked my wife to the £24k of marital debt. As she has denied all knowledge and taken the actions she has which resulted in Black Horse dong this, it am effectively in the situation where these debts will probably not be taken into account at the Financial Settlement, leaving me £24k worse off! Thanks very much Black Horse!!! Yur help and advice woill be greatly appreciated. Many Thanks in Advance.

I totally agree with you there. Some of the things I am taking with a pinch of salt. However, I lived with this woman for 17 years so know all too well what she is like and capable of. As I Am going to be left with a debt of £50k after the financial settlement, which is all down to her, I can say that I tend to believe most of whats being told.

Thats what i am trying to do... It is just so infuriating that these type of women can get away with what they do!