Post-discharge ICB Report

no_moolah

Registered User
Messages
156
Hi all,

It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year.

I requested an Irish Credit Bureau report to check that my creditors weren't still sending information to them about my debts which are now gone. However when i checked the report it showed that my mortgage provider is still showing up and the entry for the last 24 months is "P" which means Pending Litigation.

I'm confused about this because i figured they weren't allowed to send that information on once they were aware of my bankruptcy. Does anyone know if this is the case? and what i can do about it?

Many thanks

NM
 

Gerry Canning

Registered User
Messages
2,505
Hi all,

It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year.

I requested an Irish Credit Bureau report to check that my creditors weren't still sending information to them about my debts which are now gone. However when i checked the report it showed that my mortgage provider is still showing up and the entry for the last 24 months is "P" which means Pending Litigation.

I'm confused about this because i figured they weren't allowed to send that information on once they were aware of my bankruptcy. Does anyone know if this is the case? and what i can do about it?

Many thanks

NM
Write to lender explain that their ICB is incorrect (keep copy).
Not 100% sure, but your ,(old) ICB history stays on file for 5 years.
I would expect your name to appear for 5 years after April 15.However I do not see how they can retain "P"

On their response let us know please.
It is serious for any lender to have an incorrect ICB .
May well be they havn,t been updated.
 

no_moolah

Registered User
Messages
156
Thanks for your reply Gerry. Do they have to stop sending information from the date of discharge or from the date of my bankruptcy?
 

DonJuan30

Registered User
Messages
17
They should mark the account as either 'Completed' or 'Element written off' from the date of your bankruptcy.

They should do this automatically but probably won't if my experience is anything to go by! Best thing to do is write to them with a formal complaint and they will have to get back to you with a resolution. You can report them to the Data Protection Commissioner if they fail to update your records correctly. They won't want this so you can use it as a threat to get them to make the update correctly.
 

prodigy81

Registered User
Messages
69
Write to lender explain that their ICB is incorrect (keep copy).
Not 100% sure, but your ,(old) ICB history stays on file for 5 years.
I would expect your name to appear for 5 years after April 15.However I do not see how they can retain "P"

On their response let us know please.
It is serious for any lender to have an incorrect ICB .
May well be they havn,t been updated.
Hi there, I recently received my ICB report after being discharged and it basically came back with no information at all (NO DATA FOUND) is that correct?
 

Gerry Canning

Registered User
Messages
2,505
prodigy.

I presume so in that all previous is scrubbed from the records.
if in future you get a loan from say a credit union that uses icb , you will be resurrected !!
 

Gerry Canning

Registered User
Messages
2,505
prodigy .

maybe I should have clarified , you will be resurrected but only the cu loan will show, all old stuff is gone forever..
 

prodigy81

Registered User
Messages
69
prodigy .

maybe I should have clarified , you will be resurrected but only the cu loan will show, all old stuff is gone forever..
Hi Gerry,

As I Mentioned previously my ICB came up "No Data Found", now I have been working and saved up money in the credit union to apply for a loan to get my credit history back up and running, However, the Credit Union said that there was an issue with my ICB report?? They will not give me any information, so I am very confused and upset. Can you advise? I have called the ICB and I am awaiting feedback as I left a voicemail, know one is picking up. Why would there be a difference in my ICB report and the Credit Union report?? I am trying to build back up my credit rating after being made bankrupt nearly 3 years ago now.
 

prodigy81

Registered User
Messages
69
Go online and apply for your ICB report , it should be an exact copy of CU one.
You can then review.
Hi Gerry,
Thanks for your prompt response. I already applied online and received it in June which states "no data found". I have not had any other loans or anything since then, just built up savings. I cannot understand how the Credit Union has something different. I am very worried now

Kind regards
Patrick
 

Gerry Canning

Registered User
Messages
2,505
Bring your ICB to CU , at this stage you are entitled to query what they may have.If CU hold (duff) info you can get onto ICB to sort.
 

prodigy81

Registered User
Messages
69
Prodigy could the issue be that you don't have any credit history at all?
Hi no_moolah, hope your keeping well??!! No that is not the problem, I have applied for another ICB report, I have a a funny feeling I didnt put my address in the UK on it,where I became bankrupt. Either way it should certainly not show any debt as I m debt clear. If it does show anything on it this time, how do I get it off it?? Can anyone here advise?
 

no_moolah

Registered User
Messages
156
I never put my uk address down Prodigy and my debt showed up.

And yes in theory you are debt free because you were declared bankrupt but my icb report certainly doesnt reflect that at all. I'm still having issues with my bank over two years later.

They finally asked the icb to remove me from the joint loan but only as of the date they wrote out which was this year.

Does anyone know of any legislation I can point them to confirming that they're supposed to backdate it from the date of bankruptcy or discharge ?

At my wits end now at this stage !
 

prodigy81

Registered User
Messages
69
I never put my uk address down Prodigy and my debt showed up.

And yes in theory you are debt free because you were declared bankrupt but my icb report certainly doesnt reflect that at all. I'm still having issues with my bank over two years later.

They finally asked the icb to remove me from the joint loan but only as of the date they wrote out which was this year.

Does anyone know of any legislation I can point them to confirming that they're supposed to backdate it from the date of bankruptcy or discharge ?

At my wits end now at this stage !

Oh my god, how the hell is this allowed?? I am now wondering if I am in the same boat as my mortgage was a "joint loan".I was hoping my new ICB report which includes my address in the UK would have arrived today, but it didnt.

This is a disgrace, if this is the case. What did you do to get the banks to write to the ICB to remove the loan? Did you go to the financial Ombudsman?
 

no_moolah

Registered User
Messages
156
The data protection commissioner didn't know how to deal with it, neither did the fso, clearly the bank doesn't either.

The fso kept liaising with them as kind of a mediator and they eventually said they would change it. They kept saying they didn't have proof that no dividends were payable but they didnt request this proof from my receiver until about a month ago.

Now it looks like I have a new battle on my hands trying to get them to backdate their entries :confused:
 

prodigy81

Registered User
Messages
69
The data protection commissioner didn't know how to deal with it, neither did the fso, clearly the bank doesn't either.

The fso kept liaising with them as kind of a mediator and they eventually said they would change it. They kept saying they didn't have proof that no dividends were payable but they didnt request this proof from my receiver until about a month ago.

Now it looks like I have a new battle on my hands trying to get them to backdate their entries :confused:
Hi there,
I just received back ICB report and the banks are still sending in bad debt information on my Joint mortgage..I dont even know where to start, I am absolutely LIVID. Surely, this must be unlawful somehow. Can anyone here help, is their any statute that can be quoted because this is disgraceful, as I am declared bankrupt over well over 2 years now:mad:...HELP
 

no_moolah

Registered User
Messages
156
What's the Scheduled Removal Date of the entry prodigy?

Because, although my bank were still sending info onto the icb, as they marked it "pending litigation" 3 years ago it means it automatically falls off my report in 2018 - which is a year earlier than if they were to remove it 5 years from my bankruptcy date.

I just discovered that on my report recently.
 
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