"AIB Holding Personal Data & Destroying Credit – FSPO & DPC Investigating"

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df13-13

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AIB Holding Personal Data & Destroying Credit – FSPO & DPC Investigating

I’ve been fighting AIB for years over unlawful credit reporting & data retention after my loans were written off.

AIB refused to delete my financial data from the Central Credit Register (CCR).
They ignored multiple legal notices demanding correction.
Now the Data Protection Commission (DPC) & FSPO are investigating them.

They thought they could bury this—now it's going public.



 
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Please provide a reference.

While you cannot post links as a new user, you can tell us what terms to search for.

It seems reasonable to me that any bank which has had to write off loans should be able to retain that information to inform them about whether to give the same person a loan again. It might of course be reasonable to me but not allowed under some stupid Data Protection law.
 
df13-13 said:
I’ve been fighting AIB for years over unlawful credit reporting & data retention after my loans were written off.
Click to expand...
When was the loan written off by the bank?

Retention of Information

Information for consumers about the Central Credit Register
www.centralcreditregister.ie www.centralcreditregister.ie

It is important to note that this 5 year period will only start to run when the loan is repaid, written off or discharged by your lender. If you default on your loan agreement and cease making payments then the 5 year period will not start to run. In this situation your lender may continue to report the loan and it will continue to appear on your credit report.
Click to expand...
 
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How certain are you that your loan was written off? What were the circumstances of the write-off? Was the write-off on foot of a settlement between you and the bank, an insolvency arrangement or something else?

Also, the DPC & FSPO investigating your issue means absolutely nothing, they probably spend most of their time "investigating" spurious complaints.
 
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I thought maybe we were being too conservative on askaboutmoney but the boards.ie crowd arrived at the same conclusion.

I edited his (its?) first post to remove the shouty bold of half the post.

I deleted the next one with the same bold style and asked him (it) to post again without shouting at us.
 
There are many here who could write a book about the misery of dealing with AIB over the last two decades, and I certainly wouldn't seek to defend that far from august organisation. But CCR reporting requirements are pretty straightforward and are a legal obligation and are very clearly set out in the Credit Reporting Act 2013 and related SIs. These also set out the rules relating to retention, correction etc.

The thread on boards.ie is hilarious.
 
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