I think that there may be but I can't see how any negative inference can be drawn from a consumer exercising their right to access their credit records. If you really want to be sure that neither this nor any other "black mark" is recorded on your record then you should go ahead and check it.pricilla said:if I check this ICB record, is there a record of it being checked? I just don't want any hassles when getting this mortgage at all.
pricilla said:I got a letter 4 days ago in the post, it said "urgent message, contact me at this number" it was really child like, not on headed paper or anything, looked like one of those scam letters. Was just about to throw the letter out and decided that I'd find the company who sent the letter and ring up and give out about sending me rubbish.
I ring directory enquiries and get put through, it turns out it's a debt collector/solicitor! I said, obviously there's some mistake, and your man says "it certainly isn't a mistake, a company have been sending you bills for 3 years and are now threatening legal action if you don't pay this bill of €250l!!"
I swear I have never received 1 single bill because I'd have paid it straight away.
I said, "I live at home, I don’t have any bills, the only time I didn't live at home was 3 years ago for about a month and I paid every bill when I left" He wouldn't even listen.
I got such a fright that I paid the €250 there and then by credit card. I was just in tears about the whole thing and was so worried that it would affect my credit rating ( although I’m approved for a mortgage, I haven’t actually drawn down the first stage payment yet and will probably have to reapply) the solicitor assured me it wouldn’t affect my credit rating but I’m still worried.
On further investigation, it turns out that the auctioneer rented the apartment after I left, and never changed names and the person who moved in never paid their bill. So being completely innocent I spoke to the auctioneers and said I wanted my money back and they agreed it was their mistake, so no harm done in theory.
Or is there?
Is there even a slight chance that this will be held against me when I apply for my mortgage? My friend is insisting that you have to actually go to court for it to affect your credit, but I’m not sure.
To be honest, I almost threw the stupid letter in the bin and could have ended up in court and lost my house.
I’m so upset over this.
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