So after being divorced for a number of years it turns out I’m still financially linked to my ex- husband unless I click on these links to credit reference agencies and report that we’re no longer linked.
Experian - Add a Disassociation
Consumer Enquiry Form | An Information & Insights Company (transunion.co.uk) (Option to dispute report)
File a Dispute on Your Equifax Credit Report | Equifax®
So who knew that there was still more to do even after closing our joint accounts.