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I've told them I cannot commit to €80 a month for 12 months in good faith and that they appear to have totally no idea of the cost of living in the UK in a fairly rural location and that they are not being reasonable. I made them a final offer of £11 per month since I can change my UK bank...

Can I have some assistance with this? The bank are now saying they will expire my overdraft from 8th February 2018 and start to charge me a much higher rate on my overdraft. Meanwhile they are refusing to really budge other than €80 a month for 12 months and €200 a month over 6 years, which I...

They have made me a slightly better offer than the last original one of €81 a month for 12 months and €280 for 4 years. Their latest offer is €80 a month for 12 months and then €200 a month over 6 years. Still not affordable on the basis that the first 12 months payments are too high but the...

AIB have now stated they will be sending me a formal letter and not deal with me via email going forward. This is the same AIB that spent several weeks saying that they could not deal with me via letter under any circumstance. I have now missed my first Credit Card repayment and first loan...

Yes - I will await their further response since I sent them some more materials and also a letter from the debt charity that states how much they believe I can pay based on their opinion. The debt charity also told me that if they still refuse a reasonable sum that I should inform them that I...

Any advice where to go next? I've already written back to them and told them that essentially the whole thing can go to court and they'd be wasting their time as any judge would see that I do not have the means to pay the sums that they are asking for

AIB rejected my token offer. They still want at least €80 a month for 12 months and €280 a month after that which is the only deal that they are willing to do. They won't suspend interest, payments or other charges. They still also want to charge currency conversion fees on incoming payments...

Returning to Ireland right now is not an option unfortunately, at least for the moment. 'Problem with going bankrupt is it'll destroy my credit rating for the next six years and occasionally in my roles I've had to have a credit check prior to applying.

Any advice?

Bank have rejected my request to suspend charges and interest on my accounts and said that I am required to meet the original terms of the agreement that I have took out as I am obliged to do so. Also they have said they will not be communicating with me via letter and the only method to...

Cheers. I will mail them and say to them it's via post or I will offer the alternative of email but will not be dealing with them under any circumstance via telephone as I require everything in writing and that is not up for negotiation. The only letter I sent them so far was a notification I...

AIB have got my letter and only wanting to discuss this via phone rather than via written medium, I've told then I'm not willing to do that. Advice?

Put the letters in the post today, we'll see what happens. Asked them for 14 days to get everything in order then I'll send them budget sheets as I need to get a few things together.

about £6 above.

Cheers - I already have one done out by the National Debtline who emailed it to me after the phone and discussing with them, but I guess I may need to do one in AIB's own format?

What is the address for the Credit Card department? Good point in relation to asking communication via email or post.

I'm going to send a letter to AIB on Tuesday based on a template letter supplied by the National Debtline this saying that I am assessing my situation and getting external advice and asking if they can place a hold on the accounts and suspend interest and charges whilst I do that, which is what...

Spoke to a specialist in overseas debt from National Debtline. She told me that I qualify for a DRO, however I should be careful with AIB. They cannot touch me during a DRO when living in the UK, but they don't have to recognise the DRO and ave a track record of keeping accounts open for the...

But if I do that the debt will skyrocket with all the missed payment, surcharge interest to add a few more grand on no? Just the idea of a €10k debt skyrocketing to say €15k whilst I completely ignore it doesn't sit well with me.

Spoke to National Debtline today, unfortunately once again they won't touch it as it's Irish Debts for a UK citizen which they will not get involved in. They say they can only take on ROI debts if there are UK debts as well Stepchange said they're not able to provide any debt solution for me as...