Write to lender explain that their ICB is incorrect (keep copy).Hi all,
It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year.
I requested an Irish Credit Bureau report to check that my creditors weren't still sending information to them about my debts which are now gone. However when i checked the report it showed that my mortgage provider is still showing up and the entry for the last 24 months is "P" which means Pending Litigation.
I'm confused about this because i figured they weren't allowed to send that information on once they were aware of my bankruptcy. Does anyone know if this is the case? and what i can do about it?
Many thanks
NM
Hi there, I recently received my ICB report after being discharged and it basically came back with no information at all (NO DATA FOUND) is that correct?Write to lender explain that their ICB is incorrect (keep copy).
Not 100% sure, but your ,(old) ICB history stays on file for 5 years.
I would expect your name to appear for 5 years after April 15.However I do not see how they can retain "P"
On their response let us know please.
It is serious for any lender to have an incorrect ICB .
May well be they havn,t been updated.
Hi Gerry,prodigy .
maybe I should have clarified , you will be resurrected but only the cu loan will show, all old stuff is gone forever..
Hi Gerry,Go online and apply for your ICB report , it should be an exact copy of CU one.
You can then review.
Hi no_moolah, hope your keeping well??!! No that is not the problem, I have applied for another ICB report, I have a a funny feeling I didnt put my address in the UK on it,where I became bankrupt. Either way it should certainly not show any debt as I m debt clear. If it does show anything on it this time, how do I get it off it?? Can anyone here advise?Prodigy could the issue be that you don't have any credit history at all?
I never put my uk address down Prodigy and my debt showed up.
And yes in theory you are debt free because you were declared bankrupt but my icb report certainly doesnt reflect that at all. I'm still having issues with my bank over two years later.
They finally asked the icb to remove me from the joint loan but only as of the date they wrote out which was this year.
Does anyone know of any legislation I can point them to confirming that they're supposed to backdate it from the date of bankruptcy or discharge ?
At my wits end now at this stage !
Hi there,The data protection commissioner didn't know how to deal with it, neither did the fso, clearly the bank doesn't either.
The fso kept liaising with them as kind of a mediator and they eventually said they would change it. They kept saying they didn't have proof that no dividends were payable but they didnt request this proof from my receiver until about a month ago.
Now it looks like I have a new battle on my hands trying to get them to backdate their entries
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