Have you paid off the full amount?
Are you saying that the arrears were only €5 a month for a few months? Which you thought that the €500 "advance payment" would cover?
It's hard to get through the red tape at banks, but if you are telling the complete story, then they might correct the ICB record.
I see no advantage at all in getting a solicitor involved. There is no legal case and it would only complicate matters.
It's not the banks fault that you did not understand the credit card rules. It's not their fault that you were difficult to contact.
As it's only a minor blip, if you otherwise meet the mortgage requirements, Pepper will give you a mortgage, but it will be a bit more expensive than a mainstream lender would charge.
Brendan
A solicitor is not going to help you in any way, as you have no legal case.
Have you now cleared the balance in full?
Brendan
A solicitor is not going to help you in any way, as you have no legal case.
Have you now cleared the balance in full?
Brendan
No surprise there from the bank. Remember they make money on the interest charged so if they feel you can pay they would not encourage it. First things first, if you can afford to pay it off do so immediately.I offered to pay it off but they said it would make no difference.
No surprise there from the bank. Remember they make money on the interest charged so if they feel you can pay they would not encourage it. First things first, if you can afford to pay it off do so immediately.
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