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I am in Ireland. The loan was in Ireland which is now on the ICB and the loan will be sought in Ireland.
I am not sure if the details are correct on the ICB but I hoped they could state that we agreed terms. Or if there any ways to remove it due to exceptional circumstances.
I wanted to apply for a mortgage with my wife. I also hope in the worse case she can apply herself and it will not affect her as this happened before we were married.
I am not sure how exactly they report the debt on the ICB. They have said that it is 9 months in arrears for 24 months even though I am paying it.. I called a few times but get different answers.
A previous report 6 months ago said in was up to date.
Is there any way to get them to remove the record completely?
Also woukd this affect my wife if she applied for a mortgage in her own name.
How do I request access to the information they used to give the ICB to put on the report.
I would like to know how it went from being ok one month to 24 months in arrears and if they recorded my partial payment etc. I was never notified and did my best to pay.
I have tried to get answers but they always say they have no access etc.
Thanks. Do you know if they charge a fee for each page as they do sometimes for statements etc?
Hi. I asked a broker if my wife could apply for a home but they said it was not possible due to family law. As we were married we both have to be on the application.
Can we insist she be able to apply?
our wife is an independent person in law. Nothing about you can or should affect her credit status. So nothing in the ICB on you should affect your wife.
Hi. I am sorry if unclear.
You said previously that my wife could apply for the loan and my my ICB histort not affect her. The bank said we need to apply jointly and then they take into account my poor credit history.
Hi. Can you help me more on this issue. I have requested information from the bank and ICB about how they have sent information and put me on the ICB. They are saying they do not have information and only the current month. I have 2 old reports that say very different things. One is fine and another says 12 months arrears.
There were payments missed but the information on the ICB is not correct. I have an agreement for 18 months and payments made up to date. Is there anyway I can get the ICB to correct this or remove me.
If at least the report said I restructured the loan 2 years ago and it is up to date then it would look better for a bank. I would have a chance to get a mortgage approval.
All brokers are refusing to look after seeing the report.
Can I make the ICB take the information down if is not correct. Do I have to proove to them it is not correct.
There was an option for any further help for 29 euro but I can't see the link