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Original poster

Ex husband brought car using my address

13 replies

Cantsleep22 · 17/09/2019 18:03

So I’ve found out my ex husband who says he no longer lives at this address so no longer needs to pay any mortgage or bills has purchased a 42k car on finance using my address. He is jointly in the mortgage but the house is going up for sale and we are getting divorced. Can he legally finance a car using this address when he no longer lives here? I am worried in case he defaults payments etc as I want to sell up and obtain a mortgage on another property

OP posts:

EndoftheWorlds · 17/09/2019 23:00

The debt goes against a person not an address.

AMAM8916 · 18/09/2019 08:33

Be a little weary here. He might be pulling a fast one and try to get the £42k debt settled out of the house sale before you each get your share. Are you legally separated and divorce proceedings under way? If so, don't worry. If not, he might try and claim that debt was taken out before you separated and must be settled before you split shares of the house

Peony99 · 18/09/2019 08:35

No idea about he legalities, but I'd be tempted to call the finance company and tell them he doesn't live at the address.

AnchorDownDeepBreath · 18/09/2019 08:37

When did he move out? He probably wouldn't have got finance if he'd had to use a very new address. The debt won't affect your house - it goes against the person, not the address - but it is another £42k debt that might affect your divorce. Worth chatting to your solicitor.

Original poster

Cantsleep22 · 18/09/2019 09:31

He’s been gone 6 weeks and living at his parents. He purchased the car last week. I’ve applied for a divorce but he’s not complying so far and isn’t paying maintenance, the bills and only half the mortgage. I am on unpaid maternity leave so really struggling. The equity in the house is only 50k, as we have only lived here a year. I need most the equity to buy another house. I really hope this isn’t going to affect mine and my children’s futures

OP posts:

Original poster

Cantsleep22 · 18/09/2019 09:34

I’ve called the dealership he purchased from and they can’t tell me anything due to GDPR but they did say they would call him! I don’t know who the finance is with unfortunately but I do know he had a bank loan refused 2 weeks ago and has since applied for a balance transfer credit card

OP posts:

AmIThough · 18/09/2019 09:44

I'd be petty and let the DVLA know that he (presumably) hasn't changed the address on his driving license that's probably why he's done it, because he wouldn't have proof of address at his parents.

AMAM8916 · 18/09/2019 09:53

If he's applying for lots of credit and delaying the divorce, it looks to me like he is trying to wrack up 'marital' debts which he thinks will get settled out of the house sale.

You need to keep as much proof as you can that you separated 6 weeks a go, that you've phoned up to say he no longer lives at the address and you had no say in him taking these debts out.

What an arse! PP is right, his driving license will have your address on it so he will have used that as proof of address.

Just to seal it that he has been living with his parents, I would send an e-mail to him and say you have been living with your parents for 6 weeks now, you aren't paying towards the mortgage and aren't complying with anything, can you please not use this address to take out loans or debts as you do not live here and it's fraud to state that you do and that you'll seek legal advice about him wracking up debt when a divorce is pending and so is a house sale. Then sign off that you HAVE NOT had any knowledge of these debts. Then save it and keep it as proof

RedHelenB · 18/09/2019 17:38

Bear in mind that legally he can move back into the marital home. Personally I would crack on with the divorce so you are properly financially separated.

AdoraBell · 18/09/2019 20:24

You say he has said he doesn’t live there. Who has he told, and do you have any letters or similar to that affect? I would want to tell the finance company if you could find out which company it is, or the DVLA.

Original poster

Cantsleep22 · 18/09/2019 21:17

He’s told me In messages he doesn’t live here so doesn’t need to pay the bills. I called dvla and they said to write to them and it will take 4-6 weeks!

OP posts:

AdoraBell · 25/09/2019 20:55

Write to them tomorrow, unless you already have. It way take weeks but get the ball rolling.

june2007 · 25/09/2019 21:22

6 wks isn't long is it. He would need older proof of address I expect and a more permenant one, if he is on the Mortgage then it may not be his home but is his house. (partly.)

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