HeadMelted
Registered User
- Messages
- 16
Hi all, I’m looking for a bit of advice on my ICB Report and my defaulted mortgage from 2013.
I defaulted in 2012.
Voluntarily surrendered to IBRC in 2013 (no court action)
House was sold in Dec 2013.
Residual Debt outstanding of €190K.
I haven’t heard a squeak from bank since, even though they had my forwarding address.
I just checked my Credit Report and “Settlement” in noted by a new fund (I’m afraid to name them) since March 2021.
It remains in the “Active” section on the report.
Last Payment Due “0”
Next payment due “0”
Balance Due “190K”.
I know they are statute barred from chasing me from the residual debt at this point in time, but I’m wondering if/when this might come off my Credit Report? March 2026?
Thanks to anybody who can give me a steer.
I defaulted in 2012.
Voluntarily surrendered to IBRC in 2013 (no court action)
House was sold in Dec 2013.
Residual Debt outstanding of €190K.
I haven’t heard a squeak from bank since, even though they had my forwarding address.
I just checked my Credit Report and “Settlement” in noted by a new fund (I’m afraid to name them) since March 2021.
It remains in the “Active” section on the report.
Last Payment Due “0”
Next payment due “0”
Balance Due “190K”.
I know they are statute barred from chasing me from the residual debt at this point in time, but I’m wondering if/when this might come off my Credit Report? March 2026?
Thanks to anybody who can give me a steer.