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Morning all.
6 weeks ago me and my partner bought a caravan on finance. When signing up for the finance we both filled in the forms showing income and expenditure correctly based on paying 50/50 of our bills even though the mortgage is solely in her name legally. We done this as I had poor credit. Also she maintains her own car and phone etc and all the insurance for the house and car.
When the finance was agreed the sales rep told us they had put it through on just my partners name and it was accepted. Didn't think at the time but i feel this now may be mis selling. Even though me and Chloe have an agreement for the bills if we were to ever split Chloe would then be in a sticky situation in a worst case scenario Financially and I don't think this has been addressed during the application. She earns 20k per year and was on maternity when we took out which they knew about in the sales office.
Chloe's income would not support the entire bills for the home and caravan we have and therefore this is mis selling no?
Please advise on what the situation is for us and potential outcomes.
Thanks
6 weeks ago me and my partner bought a caravan on finance. When signing up for the finance we both filled in the forms showing income and expenditure correctly based on paying 50/50 of our bills even though the mortgage is solely in her name legally. We done this as I had poor credit. Also she maintains her own car and phone etc and all the insurance for the house and car.
When the finance was agreed the sales rep told us they had put it through on just my partners name and it was accepted. Didn't think at the time but i feel this now may be mis selling. Even though me and Chloe have an agreement for the bills if we were to ever split Chloe would then be in a sticky situation in a worst case scenario Financially and I don't think this has been addressed during the application. She earns 20k per year and was on maternity when we took out which they knew about in the sales office.
Chloe's income would not support the entire bills for the home and caravan we have and therefore this is mis selling no?
Please advise on what the situation is for us and potential outcomes.
Thanks
