Only an amendment to your record will expunge the ICB record. Only a human with authority in BoI can do this. You have set out to find one . Thats the most you can do ....although you could also become a Buddhist and change your name to Shree Vishnatha
I don't think the information showing on the ICB is going to be removed. A letter will be available with my ICB record to state why the arrears occured but the information is there to stay for the next few years....Shree Vishnatha it is then!
Exactly, we all know what happened becuase we were all told what happened and some of us know that there but for the grace of God/Luck/Parents/Partners go we too .
I'd personally hope that someone with a perfect record so far reads this and pulls back from the brink once they realise what an inflexible monster that bloody ICB is.
I hope so too. We discussed this yesterday actually in a casual manner. We talked about younger people who are still in school and what they have ahead of them (as in finance etc). We came to the conclusion that someone should be visiting the schools advising the pupils of the importance of borrowing/repayments etc. Yes, common sense tells you to pay your bills and loans but do we really take on board the damage done if we don't. I certainly didn't expect the missed payments to have such an effect on future. Naive I suppose but we live and learn huh!
Here is the other side of the coin
My wife was refused a €10k loan on a €50 salary a few years back. She had rung the number on some bumf in an envelope because it was Sunday. The bumf said she was preapproved ( back then they could) She had been so solvent for so long that she
1. Had no cc
2. Had no loans for 5 years
3. Had no mortgage (we were getting one )
4. Had sizeable savings but not with that bank as we were carpetbagging over in INBS at the time .
But she had no record of paying anything to anybody for any reason for 5 years. She was refused . She was refused by a computer . She rang her branch on monday morning and told them she expected the 10k in her account by 10am on tuesday morning and that she would come into them to sign either of 2 forms
a) the one closing her account or
b) the loan form for the 10k
The money was waiting for her in her account.
It took a human to tell the computer though .
Totally see where you are coming from there...but I would give anything now to be in your wife's position.
It's definitely the other side of the coin