Restructured loan reported as in arrears on ICB report

Dewdropdeb

Registered User
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We paid off lots of debt over the last 6-7 years. It's been a struggle but it was finished last year. As a matter of interest we got our credit reports to see what damage had been done. Not much was there except for a BOI loan which we were never late on and never missed a payment on.

It was restructured though, with their obvious agreement. Nowhere was it mentioned our credit would be affected due to said restructure. I'm wondering if this is normal practice or if I have any recourse? I feel like if it is normal practice it should have been disclosed when restructuring?

Any advice much appreciated! :)
 
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