Danielle24
Registered User
- Messages
- 209
After months of dealing with these guys I realise now there's probably no chance of winning this argument.
It's probably best that this goes to court because I have full proof that I am paying the maximum payment per month that I can afford. I have receipts from registered letters proving that I was looking to keep the lines of communication open yet they refused to answer my letters. I think a Judge will agree to the payments that I have offered.
@peter 54
Follow realdub's great advice -you won't need a debt management company unless you have other debts. All they will do is write to AIB making an offer based on what you can afford -you can do this yourself without incurring debt manager fees.
Write making an offer and pay it even if you don't get a reponse and also ask for interest and fees to be frozen. It would be useful too if you could enclose with your letter an "income and expenditure statement" showing what your income is (social welfare) what your outgoings are and what you have left over to make payments.
MABS has a letter of offer than should work here:[broken link removed]
Be prepared for more letters and phone calls - each time gently but firmly refer them back to your letter of offer and payment committment being made.
If you could get a personal loan it would save so much aggro and you could try and salvage your credit rating.
AIB provide the option to pay 3%, 5%, 10%, 25%, 50% & 100% of the statement balance.Unfortunately the system recognises anything less than 5% or min payment as a missed payment.
Obviously if they agree to a lesser payment this would not be the case. The reason for a lesser payment agreement is to avoid the amount becoming a bad debt.Danielle24 said:If the bank do agree to a lesser payment the account will still go into arrears every month and will be eventually recognised as a "bad debt".
You seem to have missed the whole point of this thread. Either that or you have not read/cannot comprehend it. It’s painfully obvious that the OP has & is taking responsibility. AIB are acting irresponsibly in this case.Danielle24 said:it's about people taking responsibility and stop acting like they've been screwed over or like they didn't realise they'd have to pay this money back.
That is an easy one.Surely I am entitled to know who they use to collect my debt should it go that far.
AIB provide the option to pay 3%, 5%, 10%, 25%, 50% & 100% of the statement balance.
If what you stated were true, anyone who chose the 3% option would be constantly in arrears.
Obviously if they agree to a lesser payment this would not be the case. The reason for a lesser payment agreement is to avoid the amount becoming a bad debt.
You seem to have missed the whole point of this thread. Either that or you have not read/cannot comprehend it. It’s painfully obvious that the OP has & is taking responsibility. AIB are acting irresponsibly in this case.
The OP has never as much as hinted that he didn’t realise he’d have to pay anything back. He has made it perfectly clear that he is doing his best to arrange to pay his debt back in repayments that he can afford.
Can you not see this, or are you just blatantly trying to upset someone who is clearly upset enough as it is, & has resorted to posting on this forum for constructive advice?
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