Response to Will my address be 'blacklisted'?

Hi, just to let you know that your address will not be blacklisted, individuals carry the bad debt with them on the credit file, the bad debt goes against the person not the property. It is important that should your boyfriend move in with you that you do not have joint names on anything. This will enable you to contact the credit agencies and create a disassociation, they will not do this if you share any financial responsibilities with the person concerned. Also, to protect yourself in the future anyway, it may be worth toddling off to your solicitor to get your boyfriend to sign a document stating that he has no claim on the property whatsover. Your solicitor will be able to word the document correctly, so that the document means that even if your boyfriend ploughed his last penny into the property he has no claim on it. This would be worthwhile doing even if he did not have a repo behind him, as should you split up in the future what would happen to your flat if he had contributed to the mortgage payments? I wish you well, live your life and don't let the lenders stop you both living, just make sure you protect your assets.

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