Your family name will not be dragged through the courts. No offense but this is old school thinking. Go to court and make your case. This is exactly how debt collectors operate. They try and scaremonger people so don't let them. Stand up and explain your circumstances. Bring a friend for support.I just don't want my family name been dragged through the courts its not fair.
I did email the solicitor explaining what happened and forward all emails from 2013/2014 between myself and ulster bank so they have that already. Thanks for all your replys I really appreciate your advice. So do you think I should get my solicitor ?Stall the wall!! Put NOTHING in writing. These debts may be statute barred. The time limit is 6 years. Writing resets the clock. Suggest finding a solicitor who is prepared to mount a statute barred defense. Puts the onus on UB to find their paperwork. Suspect UB can't find anything from 2013 which will make it very difficult for them to enforce.
OP talks about corresponding with bank, and agreeing a payment plan in 2013. Bank are obviously taking action now to prevent it becoming statute barred.Sounds like a try-on 14 years down the road.
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