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Hi,
I left Ireland 3 years ago due to Credit Card / Bank Loan Debt i got myself into. I genuinely couldn't cope with the pressure from CC Companies and Debt Collection Agencies so i up sticks and left for London.
Things have gone well in the past 3 years and now i am home and have formed a limited Company...
When I Left i had €4k on one CC, 2K on another, 4k unpaid loan - all with one institution and a 2k unpaid overdraft with another bank.
In Total i owe 14k which i am now in a position to pay back in full immediately.
I am awaiting a report form ICB but i am wondering can i bargin with the banks to take me off the bad debtors list if i pay in full. I have heard my previous address was awash with red letters for a year or more so i presume a court judgement has been ordered against me.
I will earn over €150k per annum but really need advice as i'm due to buy a house soon with my girlfriend who as you guessed knows nothing of my past money problems!
I have been declined a personal account since i came home so i have 0% chance of getting a morgage at present..
Any Ideas??
I left Ireland 3 years ago due to Credit Card / Bank Loan Debt i got myself into. I genuinely couldn't cope with the pressure from CC Companies and Debt Collection Agencies so i up sticks and left for London.
Things have gone well in the past 3 years and now i am home and have formed a limited Company...
When I Left i had €4k on one CC, 2K on another, 4k unpaid loan - all with one institution and a 2k unpaid overdraft with another bank.
In Total i owe 14k which i am now in a position to pay back in full immediately.
I am awaiting a report form ICB but i am wondering can i bargin with the banks to take me off the bad debtors list if i pay in full. I have heard my previous address was awash with red letters for a year or more so i presume a court judgement has been ordered against me.
I will earn over €150k per annum but really need advice as i'm due to buy a house soon with my girlfriend who as you guessed knows nothing of my past money problems!
I have been declined a personal account since i came home so i have 0% chance of getting a morgage at present..
Any Ideas??