ICB Report Post-Bankruptcy
Just received an ICB report I ordered in the post. For my mortgage on my family home which is subject to a possession order with a stay till 01/06/17, it is marked as pending litigation and showing...
View Articleunsustainable mortgage repayment
Hi all, I am looking for some advice, I had an agreement with my bank about my mortgage. They offered me a split mortgage which I have been paying for a few years now, my mortgage has been sold on to a...
View ArticlePIA Clawback
Hi, Completed a PIA insolvency In regard to a buy to let property that was sold in agreement with the bank. The shortfall debt was the main debt in the PIA. My own home mortgage was not in arrears at...
View ArticleOverwhelmed by size of Debt- Please advise
HI, The background is my husband liquidated 2 different companies about 7 years ago and from that came bank debt( from personal Guarantee ) and revenue debt. He then became a sole trader and more...
View ArticleBank never took up title deeds
Hi I purchased a property with another person in the boom years. The property is now in default and bank wants the property sold. I cannot now sell as I’m not on talking terms with person I purchased...
View ArticleClik here to view.
At long last, a sensible High Court judge rejecting a PIA
Indebted couple told to ‘downsize’ as plan to remain in €1m home rejected Pair say they are unable to afford house for them, four children and au pair with money left from sale www.irishtimes.com They...
View ArticleFairer Debt Settlement System Needed
Judge says fairer debt settlement system needed for Covid-19 economic crash Some heavy-hitting comments here from a high court judge about problems in the personal insolvency system that will need to...
View ArticleLoan - Cabot Financial
Hi, I had an Ulster Bank loan that I failed to pay in 2008. This loadnwas "sold" to Debitask and it now currently with Cabot. I was paying 10E a week since than, stupid low amount I know but i was...
View ArticleHouse valuation 3 years post bankruptcy.
So, hoping everyone is well, and avoiding this virus. So come January 2021, I will be three years post bankruptcy. I believe the insolvency service are due to value the family home (50% stake) anytime...
View ArticlePension after Bankruptcy
My partner informed the Insolvency Service of Ireland of his pensions whilst going through bankruptcy, one of which was encashed by the OA. Now over 2 years after discharge, the asignee is requiring...
View ArticleVouchers outstanding
Hi I run a restaurant as a sole trader and I’m not going to be able to reopen the business. Where do I stand with valid vouchers outstanding? thank you.
View ArticleWhat Institutions are not on register to show your savings
Is it true if you if you had been putting cash into savings account in An Post or Credit Union that if a credit check / financial statement was done on you that these savings would not show up on any...
View ArticleBusiness in trouble - closed it down - got another job - went bankrupt - out...
Hi guys and gals. Lookin for some advice and guidance on best way forward for my business I'll outline my position Sole trader in business over 5 years in retail Through various different cash flow...
View ArticleCabot Financial letters 5yrs after discharge from Bankruptcy
Hi, I'm hoping someone can help me with my query please. I went bankrupt in the UK in February 2014. All debts were included in my bankruptcy and I was discharged in 2015. Since then a couple of...
View ArticleJudgement 12 year end point?
I need advise on a judgement mortgage with the following timeline: 1. Summary judgement granted to bank in 2010 for an investment property debt. 2. Judgment registered on investment property in 2011....
View ArticleCredit union loan write off and credit score
HI Folks , Please i need advice on my case , I taken out local credit union loan for 10k in 2015 which unfortunately write off in same year , I repaid the loan back in 2019 and had verbal agreement...
View ArticleNegotiating statute barred debt
Hi,I have an ex MBNA debt of 20k that was sold to Cabot Asset Purchases. The last payment made to MBNA was about 6 years ago,and the central credit register shows the debt to be in excess of 100 months...
View ArticleCredit Report adjustments post insolvency
Can anyone shed any light on this matter - as we all know, there are 2 credit reference agencies now. Insolvency or not, each credit agency holds the info on any borrowings for 5 years after their...
View ArticlePost bankruptcy. Bank has not repossessed house so still liable on icb...
Hi My husband bought a house with an ex girlfriend in 2006 and they emigrated in 2008. Husband came back 2 years later but ex stayed. They have two children. Ex has no interest in house and doesn’t...
View Article