Mortgage issue

Have you threatened to sue UB? If they have admitted negligence as for the reason you have a bad credit rating leading to not being able to get a mortgage they can be sued for loss and trauma.

A solicitor’s letter to your contact might wake them up, and you are wealthy enough to afford to take it to court (it would never get that far).

Did you update UB that you changed address? If not then they could say they made appropriate attempts to contact you by letter. But, seeing as they have admitted culpability you must have. I wouldn’t expect a bank to follow up on unanswered letters for a non payment of a small amount, but again… if they said they are responsible you would have a very strong case.

Separately, if the bank have admitted fault you have a very strong case.

Seeing that this all hinges on T&C's which you presume we all have a copy of (and not linked or referenced previously), do you care to provide the exact wording of the clause which is so obvious that it precludes legal action in all shapes and forms?

+1 on this, I know of someone with a similar experience. This will only delay you further.

You need to call the bank rather than communicate in email and by post, and continue to escalate it until you speak to someone who will act on it. Ensure the call is recorded (ask them) and make sure you have email confirmation post the call to confirm everything you agree to in it. Do this on Monday, if it’s not resolved then go legal.

I would talk to the car company as well on this btw.

Trying to “explain” this to the bank is a waste of time. It’ll look like you’re making excuses when the paper record says something contradictory.

Good luck with this.

Why would you be required to update your address with an institution you no longer have business with and who was also exiting the jurisdiction?

OP, go seek legal advice. The bank are backing away from what they promised and you are suffering the consequences. It won’t get resolved without a legal push and threat of damages.

The only way of having this resolved OP is by Ulster Bank ctacting the CCR. Since the CCR only records what lenders report, the bank has to initiate the correction.

From reading your posts, its clear they admitted fault and advised you they could clear your history. Based on this you took actions which now will result in financial loss for you should they now back away from that commitment - whether that commitment they made in August 2024 was right or wrong is irrelevant as you could only take it at face value and legally binding.
If they refuse then there are two options, the Ombudsman - which I would advise against for reasons covered in this thread, or engage your solicitor.

From a legal standing, you have written confirmation of Ulster Bank committing to certain actions. There is also the matter of Ulster Bank’s reliance on postal letters alone, while ignoring your email and phone number (not to mention informing you while closing your accounts in branch), and this is unlikely to be considered reasonable under the Consumer Protection Code 2012.

If it were me, I would lay all this out to the relevant person within Ulster Bank and see their response. It's in everyone's best interest t resolve this matter as quickly and easily as possible.

UB aren't in Ireland anymore. They don't care about Irish media. They care about the bottom line. I would give them written notice of 14 days respond with confirmation that they will resolve the matter by x date and failure to close the matter to my satisfaction would result in legal action in the form of damages. Prices are only going one way.

This is true. However, UB performed their legal duty to report the unpaid credit. Separately, they haven’t resolved the issue after giving written confirmation to the OP. The CB are in the clear. UB are not. They are now wide open to being sued. Often all it takes is a a legal letter stating as much to get these things sorted.