Republic of Ireland Law

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Republic of Ireland Law
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Hi, I defaulted on a Bank Loan in Ireland around 4 years ago.

Moved country and suspected that...
Hi, I defaulted on a Bank Loan in Ireland around 4 years ago. Moved country and suspected that they were trying to contact me and probably took legal action, what happens if I want to return to Ireland, will my name be blacklisted across all banks?
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Answered in 1 hour by:
1/15/2013
Ronan
Ronan, Solicitor
Category: Republic of Ireland Law
Satisfied Customers: 2,256
Experience: B. Corp Law, Ll.B. Dip Comm Prop. In general practice for more then 6 years
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Ronan : Yes, it will have been registered with the Irish credit bureau . Over 140 lending institutions register information with the ICB, usually on a monthly basis. Each time you apply for credit from one of these lenders, the lender accesses your credit report to find out about your performance under previous credit agreements with other lenders. All loans are registered with the ICB, including instances where you may have missed payments in the past.
Ronan : Under Data Protection Acts 1988 and 2003, you are entitled to receive a full copy of any data, which is held in your respect on ICB’s Database.ICB have a responsibility to keep your reports confidential, therefore ICB cannot discuss any detail of your credit report including it’s contents over the phone until after you have received your credit report.You must complete an application form to enable ICB to process your request.1.You may complete an application online here»or2.You may download and print the application form here » or3.You may contact » ICB by phone (01)(NNN) NNN-NNNNand request a copy be posted to you.or4.You may enter your name and address here and request » a copy of the form be posted.Please remember to sign your form as it will not be possible for ICB to process forms without your signature.One form should be completed per person.There is a €6.00 fee required per application which can be paid by either Bank Draft or Postal order. This fee must be paid online using your debit or credit card when using the online application form. For credit report applications that are posted to ICB, please remember to include the relevant fee with your application.
Ronan
Ronan, Solicitor
Category: Republic of Ireland Law
Satisfied Customers: 2,256
Experience: B. Corp Law, Ll.B. Dip Comm Prop. In general practice for more then 6 years
Verified
Ronan and 87 other Republic of Ireland Law Specialists are ready to help you
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Customer reply replied 3 years ago

How do I get my credit rating in Ireland back to good?

Wait five years
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Customer reply replied 3 years ago

I've lived in the Uk for nearly five years now, will it be wiped when I go back?

Yes it should be. Easiest think to do is contact the credit bureau and take up your rating from them
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Ronan
Ronan
Ronan, Solicitor
Category: Republic of Ireland Law
Satisfied Customers: 2,256
2,256 Satisfied Customers
Experience: B. Corp Law, Ll.B. Dip Comm Prop. In general practice for more then 6 years

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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