I started a thread back in 2015 about my financial situation. There's a shortfall of €160,000 on the loan. I sold the family home due to relationship breakdown. Last year I had contacted the bank and was informed my information had been forwarded to Cobart Financial. I contacted them three different times by phone and they had no information. I had received a letter from Ulster Bank saying they had passed on the information to Cobart. Though it was strange as it wasn't signed by anyone, it was blank at the end. I left it and waited for a letter from Cobart though have never received anything from them. So I didn't go down the avenue of a PIP as wasn't sure who to deal with at the time. Two weeks ago I paid for a ICB report to check my credit rating. It mentioned Ulster bank mortgage and the latest balance was 0.00. Also said scheduled removal date is 30th November 2018. I rang ICB they have no info about shortfall. I contacted Ulster Bank, they said it was redeemed the loan was cleared. Looked up the notes of my case had a team leader also look at these too as I wanted to be sure. I mentioned I had received letter, they said it takes two weeks for information to be transferred over to Cobart and the fact it was over a year ago she couldn't explain what happened. I was informed that the legal team was involved and that the loan had been redeemed and there was no shortfall, they checked the notes again. I asked for this information to be sent in writing to me and they agreed and clarified my address and once again asked for clarification as I cannot believe it!!! Could this be true???? I contacted Cobart and they have no information or details relating to any information about my case. No information on their system about any money owed!!! Any advice?????