Hoping someone can advise whos dealt with the same. Sorry its long just want to give context.
Posting on behalf of my DH as he didnt think mumsnet was the place for a man to ask questions!
By way of background, DH separated from exW 7 years ago, divorced for 4 years. Financial order has their marital home under a mescher order (exW lives there with DC (we have them every weekend before I get bashed), house gets sold when DC turn 18 or leave full time education or a trigger point is met (exW remarries or cohabits for more than 6 months continuously).
Under the mescher order, DH pays half the mortgage and gets 50% of the equity when sold.
Advice needed: he has separated all other joint financial links from her - bank accounts, life insurance etc but is still financially linked via the mortgage. Ive heard you can write to experian and get them to note on your credit file that whilst you are linked via the mortgage due to a divorce financial order you have it noted that there are no formal financial links so her credit rating will not impact his (and mine) as we've worked hard to build up an excellent one.
The reason this is now a big concern is shes just got engaged to her bf of 11 months and weve just found out hes been in an IVA for the last 4 months. They're not planning to cohabit or marry until the mescher order expires (yes, they have inferred they are holding off so 50% of household costs continue to be paid by DH for the next 5 years as they are broke) but theyre spending money like water on days and meals out every weekend, weekends away (not speculation, it gets plastered on facebook and my MIL gets asked to babysit if they go away in the week) which she claims her partner is paying for it all (while in an IVA 🤨) She constantly pleads poverty to my DH but has told me before she cant imagine working full time again as she likes her free time. Dont care what they do with their life but no idea where all this money is coming from they seem to have and if theure spending what they dont have and she ends up in debt (or an IVA herself which woudnt be the first time) we're really concerned it will impact my DH's credit score as hes linked via the mortgage.
How do we get credit agencies to note the link is only via a divorce order?
Thanks in advance