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What is a Notice of Disassociation?

10 years ago - Posted by

Can you tell me what a notice of disassociation is and how to get one?

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2 Answers

TAD Member

10 years ago

for several years we have a problem where by one of our properties is being used for registration of vehicles. this has led to a barrage of PCN'S and threatening letters from bailiffs. which we continue to contact the bailiffs to advise them that the individual is not or has not been a resident of the property there has been no reduction in the mail we recieve. Is there anything we can do. It is always the same 9 individuals we are contacted about. Thanks Karen

ANSWER TO YOUR QUERY:

If there are 9 different people who are using your address then this is more likely to be a legal matter rather than needing debt advice. You can contact Actionfraud on 0300 123 2040 and speak to one of their advisers or visit their website: http://www.actionfraud.police.uk/

If you have your own question to ask, please post it in the 'Ask a question' section.

Thank you 

TAD Member

10 years ago

If you are in a position where a friend or family members finances may be affecting your own because you have been linked by association by the credit reference agencies, then you should do something about it as soon as you can. The process of separating your finances from someone else’s is referred to as Notice of Disassociation.

Common reasons to be associated are:

  • The bank accounts are in joint names and so therefore are entries onto a credit file. Association of bank accounts can even happy after a divorce or separation
  • Shared surnames with the same address or postcode can also cause an issue, even if the information is a few years old

2 stages to ensuring you get a Notice of Disassociation

  1. Find out whether there is an issue by contacting the credit reference agencies and getting a copy of your file
  2. If there is an issue, write a letter explaining that your finance are separate, and nothing is shared between you. Provide evidence where you can e.g. letter from the bank or mortgage company
     

 

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