Guinea pig
Registered User
- Messages
- 97
There are notes made on the copies, such as 'no evidence of negotiation' , 'no original credit agreement' , credit facility withdrawn' etc. So someone has looked into my case.
In the mean time, especially around children's allowance day I am besieged by calls, which I don't answer, so I am changing my number.
So until the middle of Jan, everything is on hold....again. Its such a long drawn out process. At this rate they will only be dealing with collections companies anyway, not the original creditors.
........... I am besieged by calls, which I don't answer, so I am changing my number.
Also as I send off all my documents in Nov, they are now all out of date, so I need my last 12 payslips, up to date utilities bills, receipts etc.
First step seems to be to go to MABS, who are called AI's by the ISI. Mabs are supposed to guide you throught the process. Basically seems you have to fill out a form, contact all your creditors for how much you owe, submit all to Mabs, who check it and send the application to the ISI, who I suppose again check it and probably come back to Mabs with questions and them to the application, and eventually ISI sends it to court for approval, once approved your put up on the ISI website with your name in lights. It lasts 3 years, when you will be given a certificate of discharge and removed from the ISI website.
How did you find dealing with Mabs, were they helpful, knowledgeable, kind, easy to deal with. Would you consider Mabs a good organisation?
From my limited experience with my AI, I would have no complaints, I was certainly treated with care and respect and empathy. I do get the feeling that this is all new but questions are recorded and answers researched.
Were there any negatives, anything that could be improved?
My only issue is the appointment system,but I completely understand why it is in place.
[broken link removed]
Register of DRN, I just searched for popular irish names to see is anyone had been successful!
I mean nobody has has their file submitted to the ISI by the AI(MABS).
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