Joined Associate
- #thirteen
There was a fascinating hook up right here- though it are Uk based thus unsure if it is connected to Ireland but it’s you’ll finance companies get adopt a similar strategy
as a whole, I’d possess imagine any bank do come across some body merely coming off personal bankruptcy as a top exposure plus the precise explanations for the personal bankruptcy may also be extremely important.
Entered Member
- #14
We were released during the , and get visited this point arguing with a few your debtors along side condition of our ICB accounts which have been incorrect. This is actually the output of our programs:
BOI – Willing to give but asked us to hold off 6-9 weeks pursuing the section what exactly toward all of our ICB statement had been noted because ‘Written Off’ otherwise ‘Complete’ AIB – step one refused application since the all of our ICB report had a line which have ‘Account within the Dispute’ since ISI had not paid off said creditor the dividend once two years regarding using a keen IPO. 2nd app registered past
Keeps your released about something go. We become a cards relationship account from the 90 days placing an effective couple bob within the a week very they’ll certainly be the following avoid. You will find 10% put so might be including interested in among the well-known ‘exceptions’ towards the 20% deposit. BOI was in fact ready to give us one to according to the earning although rawness of ICB declaration is the difficulty
Entered Member
- #fifteen
Whenever i asked new york ICB report right back particular days ago shortly after launch in I got numerous time-consuming calls to create and you can letters become taken to my dos creditors as nothing was actually fixed to my declaration. However installment loans Missouri in the conclusion I experienced they sorted and you may expected characters of research which i am not responsible for any financial obligation as a result of all of them. One another accounts have now a beneficial W (authored off) to them and you will reduction day from mid 2018.
We have during the last couple of months ran for the my personal regional borrowing from the bank commitment inquiring from the a home loan and its an asset mortgage they are doing with a high interest rate and you will limitation title regarding 15 years. Their become a lengthy techniques and not even sure at this part when it will also takes place. Each time I-go within the towards necessary documents they look getting something else entirely. There is to go to for my partner to do his 6 few days probationary period inside the the latest a position that i believe was fundamental process.
We are rescuing together because the beginning of this year along with what we should conserve and shell out in the book (as part of my personal bankruptcy proceeding try vacating home) you will find plenty of to fund a mortgage payment for each few days.
Is it possible you recommend me personally yet having myself and you will my spouse means Lender Off Ireland and you may AIB to see what they state.
Registered User
- #16
Whenever i questioned new york ICB report straight back certain weeks in the past after discharge inside the I had many time consuming phone calls so you’re able to generate and you can characters getting sent to my 2 financial institutions while the little ended up being fixed on my statement. But in the end I had they sorted and you can requested emails of proof that we was no more responsible for one loans courtesy all of them. Both profile have a W (written away from) on it and you can removing go out off mid 2018.
You will find in the last few months went with the my local borrowing from the bank union inquiring in the home financing and its a valuable asset mortgage they actually do with high rate of interest and you will restrict name off fifteen years. The been an extended processes rather than also yes at this section if it will happens. Each and every time I go inside the for the requisite papers they look getting something else. We now have to attend having my partner accomplish his six few days probationary months in his brand new employment that i trust are practical process.