The story in a nutshell. Ex boots me out of the house in Nov 2002 - I notify RBS with new mailing address - which they write to me at on several occasions. I keep paying 1/2 mortgage for a while till ex is supposed to pick up fuill payments (during which time house is on market, then off market as he tries to buy me out and then back on again after he fails). Oct 2003 I get letter from RBS about arrears - I get onto ex directly and via solicitor and confirm a payment is made in Nov '03. I hear nothing else from RBS and assume all is well. House finally sells in Aug '04 at which point I find out (from final settlement statement) that RBS had conducted legal proceedings, had a court hearing and obtained a repo order on the house in July '04. At no point during this had they contacted me at all (if they had - I would have paid!). I had zero contact with my ex so there was no warnings from him either. Case currently with Financial Ombudsman but I have 2 questions:(posted 7017 days ago)1. What are my chances of having the ruling overturned? 2. How long is this on my credit history for? When can I get another mortgage?