loans against my property

[richyboy]

my ex-partner has taken loans / credit agreements out using my address and claiming that she still lives with me, who can i contact to find out what and how much these are for? i have already had one letter telling me bailiffs were coming to seize �3,000 worth of items for a loan that she took out! credit agency will only tell me items under my name at my address - but no details about her! help and advice please!

[sarnieken]

This would depend on if you are renting or mortgaging the property.
If the loans are in her name then simply pass on the address of where she is now. Unsecured loans go with you wherever you move.
Secured loans are obviously different. If you're renting then you obviously can't take out a loan secured on the property.
If you own it then any loans would have to be done jointly and with both your signatures. If you are able to prove that she forged your signature then I would get a solicitor to look into it. They will recommend a course of action that may include the police.
I believe you can take out something called a notice of dissassociation (think its called that) where you can legally distance yourself from that person when it comes to loans and the like.
The first thing is to get in touch with either a solicitor or citizens advice. They will have the right people to talk to and will be able to recommend a proper course of action.
My friend had this happen to him recently when his ex forged his signature. She took out �15k of loans and left. Managed to get her though as she had done a really bad forgery of his signature.
Hope you get it sorted, Good luck,

[richyboy]

will get in touch with CAB asap, not to sure wether she has forged my signature but will find out!! many thanks for your help

[jaycee401]

Hi Sarniken
Can I just check how did you go about proving the signature was a forgery, I am having a similar problem at moment.

[sarnieken]

Hi Jaycee.
Whenever you open a bank account, take out a mortgage or do anything financially, you are required to provide a profe of id using a recognised, signed item.
This is usually driver's licence, passport or bank card. Usually when you apply for a loan then you have to provide these as proof of who you are and also as a control sample for your signature.

The lenders will have the original forms or at least copies of them, which can be compared with your driving licence and passport. If need be, these can be compared at a very detailed level and proven to be forged.
The weight used when doing letters in a signature, the angle at which letters are done, things like that.

This is the extremely detailed level of things but with my friend she had managed to really make a hash of the signature to the point where neither the loan form or the control (passport) looked the same.

Richyboy, I've just had a thought about you saying that she claims to be still living with you. Did you inform the council when she moved out, with regards to council tax?

[janetsflower]

you can also go onto the land registry website and find out who has charges against your property - think it costs about a fiver

[richyboy]

mortgage under my name only, so dont think she's tried anything that way, i think its just the personal loan thing, i contacted the bank who was going to send the bailiffs round to me and informed them of her new address etc, as far as they were concerned with me the matter was closed. just worried in case anything else out there! will try the land registry thing asap!

[jaycee401]

Thanks Sarnieken. In my case my ex partner who signed a letter stating he was letting me buy his property( we had lived in together in the house for 5 yrs and it was in his bane only) for a certain amount. Which I did buy and now 18 months later he wants the transfer set aside as he is denying signing this letter. Its all with solicitors and the land registry at present. He is saying that he did not sign it and if I do not agree with him he will get it verified. Thats fine by me as he 200+% signed it., Hopefully once the LR realise he has signed it they will take the caution off the property which he is trying to put on.