Elliesausage
Registered User
- Messages
- 22
Hi All,
I am wondering if i can ask for your advice.
In 2007 I purchased a car on HP through AIB €8000. I paid the loan until early 2009 then ran into terrible financial difficulty. I was living overseas at the time- I tried selling the car and was offered €6500 for it which AIB refused as i didn't have the remaing balance to give them.
Long story short the car was repossessed. I come home to Irl to live in 2010 and there was a stack of letters from them waiting for me requesting €3500- apparently they sold the car for €2500. I cannot pay. I do not respond to them. (i know wrong decision)
Just before Christmas last, i received a letter stating they'd send my a/c to a debt collector, i ignored (i know, i know)
March of this year i received a letter from Debt Collector. I e-mailed them, giving them my new address and stated i did not want correspondance to my mothers address, told them that i am unemployed, at the time not receiving any social welfare, no assets to sell, that i was/ am completely broke. Which is the truth.
Received a reply stating that they had received my e-mail and were happy to put the matter on hold until the end of may and they would be in touch with me. I didn't hear a word from them until last week when a Debt Collector arrived at my mothers house looking for me, she told them that she wasn't in touch with me and she had no idea where i was living. They left a notice for me asking me to contact them. Which i didn't do...i felt if i responded they would know my mother was in contact with me and return to her house again.
Today i received a letter(posted to my mothers address) from their solicitors stating they intend to issue legal proceedings if i don't pay the €3500 within 7 days.
I dont have €3500 to give them. I have barely enough to survive.
The loan was not guaranteed by anyone, my Credit Union Loan was guaranteed by my mother, therefore i have prioritised to pay them, even though paying this debt has left me scraping the barrel to survive. I have no idea what to do..respond?..not respond?
I understand i am liable to pay the debt, and if it did go to court I'm not sure there is much that can be done...I'm totally confused and not sure what to do?..any advice or suggestions greatly appreciated.
I am wondering if i can ask for your advice.
In 2007 I purchased a car on HP through AIB €8000. I paid the loan until early 2009 then ran into terrible financial difficulty. I was living overseas at the time- I tried selling the car and was offered €6500 for it which AIB refused as i didn't have the remaing balance to give them.
Long story short the car was repossessed. I come home to Irl to live in 2010 and there was a stack of letters from them waiting for me requesting €3500- apparently they sold the car for €2500. I cannot pay. I do not respond to them. (i know wrong decision)
Just before Christmas last, i received a letter stating they'd send my a/c to a debt collector, i ignored (i know, i know)
March of this year i received a letter from Debt Collector. I e-mailed them, giving them my new address and stated i did not want correspondance to my mothers address, told them that i am unemployed, at the time not receiving any social welfare, no assets to sell, that i was/ am completely broke. Which is the truth.
Received a reply stating that they had received my e-mail and were happy to put the matter on hold until the end of may and they would be in touch with me. I didn't hear a word from them until last week when a Debt Collector arrived at my mothers house looking for me, she told them that she wasn't in touch with me and she had no idea where i was living. They left a notice for me asking me to contact them. Which i didn't do...i felt if i responded they would know my mother was in contact with me and return to her house again.
Today i received a letter(posted to my mothers address) from their solicitors stating they intend to issue legal proceedings if i don't pay the €3500 within 7 days.
I dont have €3500 to give them. I have barely enough to survive.
The loan was not guaranteed by anyone, my Credit Union Loan was guaranteed by my mother, therefore i have prioritised to pay them, even though paying this debt has left me scraping the barrel to survive. I have no idea what to do..respond?..not respond?
I understand i am liable to pay the debt, and if it did go to court I'm not sure there is much that can be done...I'm totally confused and not sure what to do?..any advice or suggestions greatly appreciated.