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Bank Of Ireland Loan - Debt Collection Agency

HKP125 · 2014-02-14 00:13:05

I had a small loan with the Bank Of Ireland. However it went into arrears and it went to a debt collection agency. The loan is now paid off but my ICB credit report hasn't been updated since 2012 and says I still owe money. Will this affect my credit rating? Should the credit report not say that the loan is now paid off?…

14-02-2014 12:13am

#1

HKP125

Registered Users, Registered Users 2 Posts: 1 ✭

Join Date: February 2014

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I had a small loan with the Bank Of Ireland. However it went into arrears and it went to a debt collection agency. The loan is now paid off but my ICB credit report hasn't been updated since 2012 and says I still owe money. Will this affect my credit rating? Should the credit report not say that the loan is now paid off? Should I contact the bank?

Thanks

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Comments

#2 14-02-2014 12:32am

Fred Swanson

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#3 14-02-2014 9:53pm

Nialloo24

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Doesn't it stay on ICB for 5 years after the loan is closed anyway?!

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#4 14-02-2014 10:14pm

Fred Swanson

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#5 15-02-2014 10:03am

Nialloo24

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But by who if the loan is with a debt collection agency?

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#6 17-02-2014 8:49am

Bank of Ireland: Tara

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Join Date: November 2011

Posts: 2202

Hi HKP125,

Thanks for your post.

If the loan has been paid off in full the report should state this. To have this looked into, it would be best to contact whoever you have the most recent correspondence from.

Thanks
Tara

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