I applied for a temporary extention on an overdraft and the bank ran an entire credit check on my financial history. No problem there I thought, but there was.
The bank person was very good about it as she rang before sending in final application to see if i'd like to tell her why I had a mark with the ICB.
So, short version, I got the extension no problem, but the bank advised me to rectify the situation with the ICB.
Only for the bank telling me this I'd never have known we had any ICB blemish or whatever the term is.
The problem with the ICB is.
One missed mortgage payment in 2009 which was cleared manually and I have the receipt to prove it.
The mortgage was originally with First Active but went to Ulster went FA went bust.
Ulster Bank say they can't do anything as it was prior to them having our mortgage.
I have tried 4 times today to get an online ICB report, but it wont go past the payment stage.
Phone contact seems futile, I'm only getting a menu with no human to talk to.
Can anyone advise as this is a mistake and my husband will be applying for a business loan soon and I need it cleared up.