Mods, this post should probably be moved.
Kellylong, the situation you describe, a financial institution declining to main accurate information about you on the ICB database, has recently been commented on in this thread:
http://www.askaboutmoney.com/threads/icb-report-post-bankruptcy.200597/
Maybe some of the suggestions there might be of help. The Data Protection Commissioner needs to get on top of these situations. Past financial mishaps are being rectified but the ICB records aren't being updated to reflect this.
I am just getting conflicting reports from either icb - the loan is paid off but 3 yrs off meeting the revised payments arent reflected anywhere??
Please note that I did not go to court/see a judge but was told that Judgement was made against me and I was instructed to pay €100 monthly to the collection agency.
I would expect you need to get Cabot to update the record. Strictly speaking BOI are correct - you failed to pay up, they sold the debt and as such are no longer party to the contract, so they would not really be in a position to say you'd paid up etc. as that is Cabot's business.
While they are correct, if payments were made, ICB reports should reflect this, and when the loan is repaid in full, whether late or not, it should be updated on your ICB report.
Your missing the point BOI is no longer a party to the contract in this case and unless Cabot were to breach the DPA there is no way BOI should have access to details of the arrangement Cabot makes with it's customers, let alone a legal right to use such data to update the report.
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