My husband and I split up last year and I moved out, since then I keep recieving letters from creditors saying that he has defaulted on some credit agreement (Ones I do not know about or are new since leaving) or sending information as he is trying to get new credit saying he is living at my new address. Is there any way I can add something to the credit check on me and my address that will stop him doing this? or stop creditors chasing me for his debts as they believe I am still finacially tied to him?
Sorry to hear about this, first thing you need to deal with is any joint accounts, joint finance etc. Get a copy of your credit report to make sure that you don't miss anything.
Once you have got rid of them do as ladyh says, write to the credit ref agencies and make sure that they disassociate the two of you.
One area you may have problems is if any of those joint accounts are in arrears or defaulted, you will likely as not have to clear them before they will close them.
You may have to spend some time with joint debt problems, they tend to drag on, just keep at them. They will always try to get you to clear the whole amount, make sure that you only pay your half, don't set a president by settling a small account.
If you are speaking to your ex, it may be worth speaking to him about this, he may not realise that he is causing you problems.
If your debts are joint, then you will both be liable for the full amount as you are jointly and severally liable for them.
If your husband doesn't pay, then the creditors will come after you for the whole sum.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
