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eh up Tills, so this is what you've been up to.;) and here's me thinking you were sitting around drinking huge quantities of vodka, smoking too much, and endless partying:p

 

 

so listen hun, hope everything goes well for you.I can't give you any sensible advice or opinions, but glad to see you've got lots of people who can.

 

All I can say, is "don't let the barstewards grind you down, and keep smiling":D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Jade thanks for stopping by hun, know you have been busy lately.

 

 

 

 

 

speak soon

 

Tills xxxx

 

 

Gm as per usual can always count on you to make me smile ta hun xxx

 

 

Hiya Charlie

 

Thankyou also for dropping in, lol partying i wish :p will try not to let the barstuards grind me down, and will try to keep smiling :)

 

 

Tills xxx

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  • 3 months later...

Thought may as well put my question here,rather than start a new thread :rolleyes:

 

Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

 

 

 

Thankoo

Tilly

 

 

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Not sure sorry...Maybe write letters to all 3 major CRAs :confused:

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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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Thought may as well put my question here,rather than start a new thread :rolleyes:

 

Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

 

 

 

Thankoo

Tilly

 

Have you any joint accounts still open? Is the old mortgage still showing as open? When these are all closed then inform the CRA's

Consumer Health Forums - where you can discuss any health or relationship matters.

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Have you any joint accounts still open?

 

No thats the first thing i did either closed them or had his name taken off :rolleyes:

Is the old mortgage still showing as open? When these are all closed then inform the CRA's

 

Not sure if mortgage is still showing live or deaded :eek:

But for some reason or other got a letter here in his name from a DCA:confused: :eek::eek::eek::eek::mad::mad: tis why i need too get this sorted :-x

 

 

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Not sure if mortgage is still showing live or deaded :eek:

But for some reason or other got a letter here in his name from a DCA:confused: :eek::eek::eek::eek::mad::mad: tis why i need too get this sorted :-x

 

Send it back - it doesn't affect you in any way.

I thought he went BR - what about your BR how is that progressing?

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Does anyone know how i disassociate myself from the ex on your credit report, i really need to do this asap !!!

 

How about this?:

Notice of Disassociation - Consumer Wiki

 

or this:

National Debtline England & Wales | Debt Advice | Factsheet 05 Credit Reference Agencies

 

I think the CRAs have sections on their websites about them too.... :)

 

HTH

 

Cheers

Michael

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I thought he went BR - what about your BR how is that progressing?

 

 

yep so did i it yet another fiblet :mad:

 

Still not got around to it Giz, think its going to have to be make your mind up time soon :confused:

 

 

Edited by **Tilly**

 

 

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How about this?:

Notice of Disassociation - Consumer Wiki

 

or this:

National Debtline England & Wales | Debt Advice | Factsheet 05 Credit Reference Agencies

 

I think the CRAs have sections on their websites about them too.... :)

 

HTH

 

Cheers

Michael

 

Thanks Michael, just had a look at the link for Notice of Disassociation, looks like i meet all they need,legally seperated, proof of joint accounts that no longer exist etc, all but the mortgage not sure on that one, both names are still even though its gone so too speak.

 

 

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Hiya Tilly,

 

 

Just saw your post, yes the disassociation should do the trick, and yes just send the notice back not known at this address. Cheeky of them as this is your new address with no connection to your previous address!

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Hiya Tilly,

 

 

Just saw your post, yes the disassociation should do the trick, and yes just send the notice back not known at this address. Cheeky of them

Thats polite to what i said when i see it :eek:

 

as this is your new address with no connection to your previous address!

 

Yep tis what i couldn't understand,will get on and try to sort it tomorrow,

 

 

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lol Termi

 

Got through to experian eventually :rolleyes:Before i can do anything, i have had to order a new credit report, also fill in an association questonaire, before i can disasociate:confused:

 

 

 

Tilly

 

 

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Do you have your BR fees sorted out? There are charities that can help. Call nationaldebtline or the CCCS.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi BB

 

No not got fee's sorted yet,so much been going on to be honest i keep putting it to the back of my mind still get fidgty everytime i think of it :eek: thanks for the info :)

 

 

 

 

Tilly

 

 

 

 

 

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Hi tilly-bankruptcy fees-mmm-havent got mine yet but just had fun filling the form in online-will be printed out when i get a printer and some ink-next year maybe.Sounds like youve got another thing to sort-disassociation thingy-youll do it.Bye for now tawny-allways got a eye on your interesting threads.

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Hiya tawny:)

 

Welllll ive got the ink and printer just can't find the lead :rolleyes::p

 

Tawny i don't worry anymore i learnt a while back worrying don't get you anywhere,i just tackle what ever comes my way now, and pleased to say as of late tis nothing:eek: lol, except the liccle glitch at mo.

Speak soon ;)

 

 

 

 

Tilly

 

 

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You need to consider whose name(s) the debts are in Tills. ME could still come after you for the shortfall if your ex goes bankrupt, but is there anything else with your name on it?

 

Consider your options again, because your situation is very different now. Have you still got debts need settling apart from the mortgage shortfall? I assume Mortgage Express haven't bothered chasing you for this yet because they must know you wouldn't be in a position to settle if for some time to come.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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You need to consider whose name(s) the debts are in Tills

 

Not mine :D

 

 

ME could still come after you for the shortfall if your ex goes bankrupt, but is there anything else with your name on it?

 

 

No there is nothing else with my name on :) and i gave all his to him when he left, so ive not got a clue whats going on or why it turned up here :mad:

 

Consider your options again, because your situation is very different now. Have you still got debts need settling apart from the mortgage shortfall? I assume Mortgage Express haven't bothered chasing you for this yet because they must know you wouldn't be in a position to settle if for some time to come.

 

Ive not heard a peep out of them so far, will only be time before i do though they not going to let go, and when ex goes bankrupt which i know

for certain he is, so that is the question do i follow or wait to be chased:-?

oooooh decisions, decisions !!!!

 

 

A-Z Index

 

 

 

 

 

 

 

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Tilly hun im new to your thread, just to say went crupt when i was 21, im all grown up now and theres life after believe me :)

 

Besides they only got my old car wirth £50

 

Ive got more houses then i need now and so everyhting returns to normal quicker then you think :)

 

oh and one piont worth mentioning, its better to go crupt in a recession, by the time the world gets its act togther and starts to come out of it you will as well :)

 

good luck

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It depends if you think spending (and saving) the money to become BR is worth it to make sure you never hear from them again. Also, whether you're likely to be in a position to settle with them and, now they've had your house, if there's anything left for them to take from you?

 

At the moment you seem to have a bit of breathing space to think through the pros and cons without the pressure of anyone hassling you for money.

 

 

 

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It depends if you think spending (and saving) the money to become BR is worth it to make sure you never hear from them again. Also, whether you're likely to be in a position to settle with them

 

Nope unless that sugar daddy with the yacht toodles along :p

 

 

 

and, now they've had your house, if there's anything left for them to take from you?

 

me shirt of me back :eek: but no theres nothing left to take :(

 

At the moment you seem to have a bit of breathing space to think through the pros and cons without the pressure of anyone hassling you for money.

 

 

 

 

I won't be doing it yet, like you say ive got breathing space to think things over.:-|

 

 

 

A-Z Index

 

 

 

 

 

 

 

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Hi fiscal

 

Thanks for dropping in:) really appreciate your support.

 

Glad everything turned out good for you after you went crupted:)

 

I will get sorted in time im sure, just the liccle bits in between got to be done first :rolleyes:

 

 

 

Tilly

 

 

 

 

A-Z Index

 

 

 

 

 

 

 

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