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I really need some advice, please help....


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There is so much story behind this question, but It is really too long to write down here, so I will ask the basic question...

 

If a house was transferred into my name from my mum's name, but only my dad would still be living there how would this affect me when my dad is classed as bankrupt and has undergone a VA, which I believe is still in effect now.

 

Will this affect my own credit rating?

 

My dad is well paid so I am sure he will be fine in paying all the bills etc, but what if he doesn't. Will this then come back to me, and would It be recorded on my credit file.

 

I have my own house with my husband (although our house is in my husbands name as before we were married I had a poor credit rating and couldnt get a mortgage at the time - or not a decent one any way) now my credit rating is getting better, and I have been working hard to improve it.

 

My husband and I are planning to move house within 2007 and get a mortgage in joint names this time, and i am worried about doing anything that will jeopordise this. If this house goes in my name, will it effect my chances of getting a mortgage?

 

Any advice would be gratefully received

 

Thanks :)

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Why is the house being transferred from your mum's name to yours?

 

Will you be charging rent from your dad?

 

You should not be affected by your dad's credit status.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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