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Hi all, Does anyone know how long bankruptcy stays on your credit file for. (Not ICB report). Have been told by ptsb that I will never get a mortgage through them having been a bankrupt. Is this legal. Im just asking asking a question so please anyone don't shoot me down. Thanks in advance...

Thank you Monbretia for your reply.

Thank you for your reply. My friend just gone from probationary to full time and is the process of making mortgage application but had to wait until probationary period was over so at this point the lending agency could check with their employer or if you have a letter from employer that you...

Can a lending agent like a credit union or bank contact your employer to see if you go from a probationary period to full time permanent employment when making a loan application. Have they a right to contact your employer. Thanks for replys

Could anyone enlightened me as to the change in terms of an asset loan offered by some credit unions. They were offering a maximum repayment tern of 15 years and have now reduced it down to 10 years. Thanking anyone in advance with knowledge of this.

Hi Mikel, My credit union is not in Dublin. Its a Midlands branch, thats all i can really say!!. Sorry. I will keep you posted of tbe outcome but since my post yesterday I have learned that their maximum term of repayment on a asset loan has gone from 15 ýears to 10 years. So much higher...

Hi Mikel, First of all thank you so much for your very helpful post above. When I requested ny ICB report back some months ago after discharge in July 2016 I had alot of time consuming phone calls to make and emails to be sent to my 2 creditors as nothing had been rectified on my report. But...

I recently went into planning at my local county council. Asked what questions needed to be asked about a particular site I may interesting in putting down a deposit on pending planning permission. All seemed to be going o.k until tbe planning advisor asked his one and only question!!. His...

So Jim is my understanding to be from your above thread that even though you are a discharged bankrupt with secured and unsecured debt gone (at a price I might add, not off scott free in case other posters may think so) that a lending agency in checking your credit report will turn you down even...

Jim they don't seem to know much about bankruptcy or how it works. I have submitted absolutely everything to them and it doesn't seem to be enough. I think I may be the first discharged bankrupt they have had to deal with.

Morning Jim, Many thanks for your reply. I wish that were the case or my case really. My local credit union are insisting that I have something in writing to say that secured and unsecured creditors can't come after me in the future for debts even though i have issued them with my...

How can you prove that your unsecured debt was written off in your bankruptcy if in the future you want to go forward for a mortgage with your future husband. Even though its still on your credit report how can your prove that your debts were written off. Is it possible to get something in...

Thanks Geri for your reply. Unfortunately the credit union are getting alot more strict on their mortgage lending. The family member giving me the gift has the seek independent legal advice the credit union say staying in a letter then that are gifting the money.

A family member has generously offered me a gift of money to put towards a deposit on a house. Is it enough for a peace commissioner or commissioner for oats to witness this or does it have to be a solicitor. Thanks for replys.

Good morning all, I recently applied to my local county council for a house purchase loan but being a newly discharged bankrupt i knew i would have to jump through hoops with my application. I did everything that was asked of me and more and was pretty much told from the outset that its nearly...

Hi Joe 90 Thanks for the reply. I'm in full time permanent employment and with what I'm paying for rent at moment would be the same as paying back a mortgage but now the owner has decided to sell and has asked would I be interested in buying. But before this happened I requested an ICB report...

Thank you clonback for your reply.

Thanks all for your comments. I have no income payment order post bankruptcy. My situation is that i gave up the family home and am now in rented accommodation where rent is reasonable enough. But now the house is up for sale. I would be in a position to pay back on a small mortgage but as...

Has anyone seeked a loan or mortgage since been discharged from bankruptcy in July 2016.

The Property Registration Authority are letting me know my personal details were given out and that there was a breech!!!.