F
Fozzie bear
Guest
Quick question.
I used to be a customer of BOI many years ago and missed some payments on a car loan. The bank basically threw credit at me a naive 20 year old, I took it and paid it off by and large for 2 years or so. However things took a down turn at work as did my pay and I missed 3 payments on my car loan. Long story short the bank handed over my loan to a collection agency, cancelled my credit card and ruined my credit rating, over 3 payments. They also sent me a letter at the time telling me they no longer required my business so I fecked off to the Ulster Bank. Now 11 years later myself and the missus decided to open a joint account in the BOI (her family branch). Went into her branch friday signed all the paperwork etc. This morning the branch rang me to say they had got a letter from HQ in Dublin telling them not to allow me to open an account as i was a debtor on a motor loan.
So my question. Its been over 5 years so my credit rating has been wiped clean and I cleared the debts with BOI 5+ years ago. I have had two loans with UB which I paid off in full and missed no payments. I also have a credit card with UB which again I have kept up to date. I thought this crap was all behind me now and i had a clean slate. Why are the BOI knocking me back even now? I'm not looking for a loan just to open a joint account and put money in! Is there anything I can do here? Any point appealing to them? We had planned on applying for a mortgage at some stage too in the future, i guess i can cross the BOI off our list?
I used to be a customer of BOI many years ago and missed some payments on a car loan. The bank basically threw credit at me a naive 20 year old, I took it and paid it off by and large for 2 years or so. However things took a down turn at work as did my pay and I missed 3 payments on my car loan. Long story short the bank handed over my loan to a collection agency, cancelled my credit card and ruined my credit rating, over 3 payments. They also sent me a letter at the time telling me they no longer required my business so I fecked off to the Ulster Bank. Now 11 years later myself and the missus decided to open a joint account in the BOI (her family branch). Went into her branch friday signed all the paperwork etc. This morning the branch rang me to say they had got a letter from HQ in Dublin telling them not to allow me to open an account as i was a debtor on a motor loan.
So my question. Its been over 5 years so my credit rating has been wiped clean and I cleared the debts with BOI 5+ years ago. I have had two loans with UB which I paid off in full and missed no payments. I also have a credit card with UB which again I have kept up to date. I thought this crap was all behind me now and i had a clean slate. Why are the BOI knocking me back even now? I'm not looking for a loan just to open a joint account and put money in! Is there anything I can do here? Any point appealing to them? We had planned on applying for a mortgage at some stage too in the future, i guess i can cross the BOI off our list?