They may accept this but will add small print. The bottom line here is that you tried. I would leave it at that now and as Gerry says, don't stress about it regardless of any threatening letters. This will blow over. Just ignore all threats. If they proceed to court see it as a bonus for you to tell the judge how they have dealt with this matter over time.I called them again yesterday morning, and wrote to them yesterday evening, with a final proposal to pay a monthly sum (not much at all but realistically the most I can afford), and if they don't accept that then I will just have to see out the rest of the process.
..........Alzer if you took out this loan with an Irish bank you can be sure that you are fully liable to repay it. careful examination of the loan agreement will only confirm this. I am surprised that the Bank lent you 100K virtually unsecured. However, the loan is now due and you will need to address this with the Bank or they are likely to commence action against you for recovery. Success of this action will depend on your financial circumstances!
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