Hi, I've just got my ICB report and don't quite understand it. Helpfully when you call the ICB you get a recorded message saying to call back between 2 and 5, even though it is half past 3!!
So I went bankrupt in 2016, discharged 2017. My mortgage appears on the ICB with a 9 in 23 of the 24 boxes, and an A in the 24th. Nowhere does it have a P or a W or anything to show the bakruptcy, unless the A is relevant to that?
It does show a balance of 0 and a removal date end of 2021.
Is this ok? Shouldn't is be stated somewhere about bankruptcy or that the amount was written off? The loan was bought by a vulture fund a few years ago if that makes a difference.
There is also a page for the credit card that I had which was also in the bankruptcy. Every box shows K for revoked and a balance still showing. Shouldn't this also be 0? And/Or show as written off? It has a scheduled removal date of mid 2020.
Should I be doing anything to correct this report, and what should it show to be fully accurate, is what I am asking?
Any thoughts gratefully appreciated.
So I went bankrupt in 2016, discharged 2017. My mortgage appears on the ICB with a 9 in 23 of the 24 boxes, and an A in the 24th. Nowhere does it have a P or a W or anything to show the bakruptcy, unless the A is relevant to that?
It does show a balance of 0 and a removal date end of 2021.
Is this ok? Shouldn't is be stated somewhere about bankruptcy or that the amount was written off? The loan was bought by a vulture fund a few years ago if that makes a difference.
There is also a page for the credit card that I had which was also in the bankruptcy. Every box shows K for revoked and a balance still showing. Shouldn't this also be 0? And/Or show as written off? It has a scheduled removal date of mid 2020.
Should I be doing anything to correct this report, and what should it show to be fully accurate, is what I am asking?
Any thoughts gratefully appreciated.