Payment plan
I dont accept, for one minute, that the bank is right. That is red tape and nitpicking gone mad. I have had many conflicts with banks and various financial institutions down the years. I would never advise anyone to treat their debts lightly, but I would advise people to take their problems to a higher level, if they think that they are being wrongly treated.
I have written to The Financial Regulator, The Ombubsman, The Chairmen of both main banks, The chairman of the Revenue Comissioners. It does irritate them to be getting letters of complaint from members of the public and sooner or later someone is told to do something about it.