Hi,
Myself and my wife have a Mortgage application in, AIB have comeback and questioned a credit card I had, it was for for a limit of €2,500.
I missed payments on the card due to unemployment.
I became unemployed in September 2011. After my honeymoon/failed emigration (6months), at which point I was still making payments on the card, I came back to Ireland, (March 2012) and could not secure employment.
I tried to make as many payments as I could with the Credit card and some of these were paid late, I fell into arrears. When I got another Job (May, 2013), I cleared the arrears and started to make regular payments up to the point where I was able to afford to clear the card in one go. (May 2014)
ICB report reads: for the 10 months payments are affected:
10 - 1; 9 - 2; 8 - 3; 7 - 3; 6 - 2; 5 - 2; 4 - 1; 3 - 1; 2 - 1; 1 - 1;
Would this go against us or is there a possibility that it will go through.
I had a HP for €16000 that ended in 2011 and a loan for €3000 that was also paid in full 2011, I never missed a payment on these. I also had a HP in 2014 that was paid off in full after one payment.
Myself and my wife have a Mortgage application in, AIB have comeback and questioned a credit card I had, it was for for a limit of €2,500.
I missed payments on the card due to unemployment.
I became unemployed in September 2011. After my honeymoon/failed emigration (6months), at which point I was still making payments on the card, I came back to Ireland, (March 2012) and could not secure employment.
I tried to make as many payments as I could with the Credit card and some of these were paid late, I fell into arrears. When I got another Job (May, 2013), I cleared the arrears and started to make regular payments up to the point where I was able to afford to clear the card in one go. (May 2014)
ICB report reads: for the 10 months payments are affected:
10 - 1; 9 - 2; 8 - 3; 7 - 3; 6 - 2; 5 - 2; 4 - 1; 3 - 1; 2 - 1; 1 - 1;
Would this go against us or is there a possibility that it will go through.
I had a HP for €16000 that ended in 2011 and a loan for €3000 that was also paid in full 2011, I never missed a payment on these. I also had a HP in 2014 that was paid off in full after one payment.