name change, Mortgage & deed
I have recently adopted an alternative resolve for a large problem I had from a previous address.
I have been the victim of ID theft , technicaly no fraud aginst me, but its been a virtual ride through hell with having to prove date of sale of proeprty, ID, Signiture etc etc every time a new thing crops up. It seemed never ending. This has also destroyed by credit rating, and although I have lobbied the Credit agencies to resolve the problem, registered with Fruad prevension agency etc ect they seem less then helpful with my problem, basicly i seriously think I would get more sense from a stick.
This has been going on for over 2 years now ( I sold my old property over 3yrs ago), and I still keep getting new letters from the odd debt recovery agency.
After some advice from a friend I changed my name, and slowly sorting my credit (1yr on elec register), but I still have one outstanding problem. My home(current) is in my old name, along with my mortgage. I feel this must be changed, But:
Can I change the deeds without changing the mortgage name, and if i must change both is there any way i can force the mortgage company not to disclose my new name to tie my credit files together.
I know my partner ( we have a joint mortgage and deed) is financialy tied to my old name, but the problems have never afected her credit , only mine.
Any idea's other then selling and starting over again ?