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Hi RiverRock, I haven't applied for a mortgage yet (exited Bankruptcy in 2016) but will be doing so in the next 2 years. I presume it is down to risk? do you have significant savings for deposit?

Thanks, I have already reported the issue to the data commissioner. But the bank has corrected the issue. Just gets my back up that they can say 'ah well, we've fixed it now' and walk away.

Apart form getting your credit rating updated with the correct information, is there any other comeback?

Hi Jack, Similar-ish issue here. my old bank had been submitting incorrect information to the ICB for a significant amount of time and I was refused credit in the last year because of it. I've reported it to the data protection commissioner but I don't know if there is anything more that can be...

I received a call from my old bank stating that they had been submitting incorrect information to the ICB regarding an old loan I once had with them. Continued posting the loan as unpaid and outstanding when it no longer had been for a significant time. Any idea what rights I have in this...

yes backdated to date of adjudication in the case of a loan, where an asset is concerned it is cleared once the surrendered asset is sold. AFAIK. that was certainly the case with our house.

Just in case anyone encounters a similar issue... The ISI recommendation is a complaint tot he data protection commissoner (done) and also a letter to the institution to rectify (also Done - but they're crying off with the 'there must have been an IT problem' excuse at the moment) I'll update on...

Yes, the issue is that this one loan is showing as still active wiht payment schedule being missed in 2019, when the loan should be closed as of bankruptcy date as is the case with the other loans of that period. this is the only loan that there is an issue with. all others were closed off at...

Howdy, I'll keep this short. Wife (former bankrupt) applied for a loan, was refused and called by bank. Have found an old credit union loan (included in bankruptcy) still being recorded on credit report. ISI have instructed us to write to the CU and request correction. has anyone experienced...

Hi, Just thought I'd put this up as a separate post. Exited bankruptcy in July 2016. Earlier this year (June) we were approved for credit card and car loan by our bank. (turned down for Credit Card last year and told to give it a little more time). Banks obviously have a process in place for...

Hi Mike, great news. I'm also with BOI since bankruptcy, we've found them great to deal with. Myself and wife went bankrupt in January 2015 and exited in July 2016. We were recently given credit (card and car loan) this year. A credit card application was declined by them last year, so they...

If your name is still on the property register as the house owner you should be able to engage with them.

hi all, was onto the ISI and they said what I thought: Do not engage with them, tell them to call the ISI. they reckon that our name is still on the property register, even though we signed the house over to the ISI. meaning the ISI had yet to change the property register to exclude us from the...

Discharged from Bankruptcy last year. Surrendered our house to the ISI during bankruptcy. My wife was contacted today by a major law firm, stating they were receivers for the house, requesting our current address so that they could send us 'Documents to sign' regarding the house. When asked...

Ah yes, I remember that...the fear of the postman...as a former bankrupt, also now discharged, I can't say how radically different my peace of mind is...no debt / loans etc. nobody calling or knocking, no threatening letters etc. etc. etc. no home anymore either, but it was definitely worth...

Simple quick question... Once you have been discharged from bankruptcy, can you hold power of attorney for someone? My father in law's solicitor is unsure if my wife can hold it for him or not. Thanks. S

yes you can request your rle's from them. I'm sure you can google the RLE bands too.

Your childcare costs are added on top of the RLE's amount and any other exceptional expenses such as medical etc. I have a calculator sheet but there doesn't seem to be a file attach option here to post it.

If you get any correspondence from creditors pass them immediately to your ISI contact. they will handle any contact. YOu should not have the stress of dealing with creditors.

As Catatrphe states above, they rarely contact you proactively. however, if you're circumstances change and you believe that it could have any effect on an IPA/O contact them immediately. The onus is on you to contact them if your takehome pay changes.