The answer to the question in the title is, yes, your Northern Ireland bankruptcy is recognised in Ireland. The issue is that the lenders are maintaining out of date information about you on their computer systems. This is a common problem in England and Wales and will probably become a problem in Ireland too. The general approach is to contact the credit bureau (Irish Credit Bureau) in the first instance, and the lending institutions in the second instance and ask them to update their systems marking the loans as "settled" instead of "outstanding". If the ICB and the lenders don't correct the information held about you it may be worth complaining to the Data Protection Commissioner.