Are you sure? I hope it is a Standing Order. If it is a Direct Debit mandate I would not fill it in as it allows them to do what they like.D/D mandate
I doubt they would wait that long. They would surely issue legal proceedings by then.
Have you received any letters from their solicitors? It is normally Crosskerrys with AIB credit cards.
Don't forget to allow for all your important necessities including clothes, holidays etc.
Regarding the above, it is advisable to assume that your correspondence will some day end up in the hands of a Judge.Hi Peter,
I have managed to deal successfully with AIB and other institutions. Some guidelines:
2. Only deal in writing with them.
5. Make them a new offer in writing and send it by registered mail. Tell them in the letter you were unrealistic about your first offer and that you were pressured into it by the heavy handed tactics used by them over the phone. (They won't like that letter being seen in court later on if it comes to that which is very unlikely).
7. Keep your story steady and say the very same thing to them
8. Keep writing them letters and keep registering them. Stay calm and firm.
AIB will hand it over to Intrum Justitia who will send you 4 letters in total. 2 from them, 1 from a "solicitor" and 1 final one from them. They will not send out the goons to visit you or to break your legs. After the 4th letter they will tell AIB they failed and that is the end of the road for Intrum Justitia.I've heard some stories about debt collectors so am quite worried to say the least.
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