Lululubelle
Registered User
- Messages
- 16
PHew-my first post, I hope. This year several bad life events happened to me (an unsettled divorce, redundancy & parental death) so this year I ended up living off my AIB visa card, in hope that my luck would change. I have been waiting and waiting on money which has yet to come from a will, and am constantly jobseeking. I owe approx 12,000. euro and live in the UK-in a remote area of Scotland where I finding it extrememly difficult to find work
I have rung Aib's credit control and wrote to them several times. Finally 2 weeks ago, I followed instructions for declaring myself unable to pay the min off my credit card. I agreed to fill out their incomings/outgoings form, and wrote a letter describing my circumstances, and declaring I agreed to have my name listed on ICB for next 5 years. I have by now given up awaiting the small amout of money I am due from a will, as it would not cover what I owe, and probate are very slow at moment. Also you can go 4 months of not meeting a min payment before you are blacklisted. I really really hoped it would not get to this, and that my fortunes would have changed, but they are worsening. Also not handling all the stress at all well. So eventually, I decided the only logical thing to do was-declare myself unable to pay. I sent in the form and letter and returned my credit card via registered mail, and 2 days ago received a letter advising me to pay the min payment or eventually it would go to bad debt.
Has anyone had experience of this? Why-when I have done exactly what they tell me, do they lose my letters and not accept my declaration?? It is really baffling, as I also have financial problems now in UK too.....I am at the edge with this one, any advice would be so appreciated. Thanks in advance....
I have rung Aib's credit control and wrote to them several times. Finally 2 weeks ago, I followed instructions for declaring myself unable to pay the min off my credit card. I agreed to fill out their incomings/outgoings form, and wrote a letter describing my circumstances, and declaring I agreed to have my name listed on ICB for next 5 years. I have by now given up awaiting the small amout of money I am due from a will, as it would not cover what I owe, and probate are very slow at moment. Also you can go 4 months of not meeting a min payment before you are blacklisted. I really really hoped it would not get to this, and that my fortunes would have changed, but they are worsening. Also not handling all the stress at all well. So eventually, I decided the only logical thing to do was-declare myself unable to pay. I sent in the form and letter and returned my credit card via registered mail, and 2 days ago received a letter advising me to pay the min payment or eventually it would go to bad debt.
Has anyone had experience of this? Why-when I have done exactly what they tell me, do they lose my letters and not accept my declaration?? It is really baffling, as I also have financial problems now in UK too.....I am at the edge with this one, any advice would be so appreciated. Thanks in advance....