Tweet
Hi,
I am going to keep this short so that I am not annoying!! :-)
Over 6 years ago split with ex-husband and divided up debts (all in my name) he has obviously not paid or stopped paying his ones as yesterday I received a photocopy of a claim form Claimant: Lowell Portfolio/BW Legal. Went onto Credit Expert to see 2 defaults listed on there (£3k & £1.5K) - this claim form appears to only be for the £1.5k one (another one maybe on the way?). Default dates are August and September 2010 so only 6 months until statue-barred. The biggest issue for me is myself and my partner are in the next couple of months going to apply to have £6k added to our mortgage to pay for IVF treatment (long medical story). Obviously I know that this mortgage application will not go through with these defaults on there or if they go for a CCJ - out of interest, these defaults weren't on there 14 months ago when we got out mortgage.
Help - what should I do? I know there is no point arguing that my ex agreed to pay these specific debts as they are in my name but I need my credit file to be ok again asap so we can go for IVF. Do I wait and see if I get real court papers from Lowell/BW or make an offer for full and final settlement etc? Am worried if I set up a payment plan then default date will re-set which will unable me to raise future monies and affect credit rating for another 6 years (at which point IVF will be too late) - any help would be great. Thanks :-)
I am going to keep this short so that I am not annoying!! :-)
Over 6 years ago split with ex-husband and divided up debts (all in my name) he has obviously not paid or stopped paying his ones as yesterday I received a photocopy of a claim form Claimant: Lowell Portfolio/BW Legal. Went onto Credit Expert to see 2 defaults listed on there (£3k & £1.5K) - this claim form appears to only be for the £1.5k one (another one maybe on the way?). Default dates are August and September 2010 so only 6 months until statue-barred. The biggest issue for me is myself and my partner are in the next couple of months going to apply to have £6k added to our mortgage to pay for IVF treatment (long medical story). Obviously I know that this mortgage application will not go through with these defaults on there or if they go for a CCJ - out of interest, these defaults weren't on there 14 months ago when we got out mortgage.
Help - what should I do? I know there is no point arguing that my ex agreed to pay these specific debts as they are in my name but I need my credit file to be ok again asap so we can go for IVF. Do I wait and see if I get real court papers from Lowell/BW or make an offer for full and final settlement etc? Am worried if I set up a payment plan then default date will re-set which will unable me to raise future monies and affect credit rating for another 6 years (at which point IVF will be too late) - any help would be great. Thanks :-)
