Hi guys massive advice needed.   I'll try and get to the point but this is so complex you would not believe.   Split up from wife in Jan 14 moved out she stayed in house due to the 2 kids. Morgage solely in my name.   Went on credit report Nov 15 due to not being able to get a overdraft credit card or add a tablet to phone contract. Couldn't access it for weeks due to many factors one my own fault did no realise I wasn't on electoral roll.   When I did get on it there was qu