Thank you, I have the email with my original offer and have my email where I had a flight booked that proved I was out of the country. I am surprised too and the only think i could think of what is behind this action was the fact that I challenged them for discussing my account with a family member.
Or maybe they were annoyed that you unilaterally broke the terms of the loan by paying monthly instead of the agreed weekly payment?
oosoom, I'm with Slim on this one... unbelievable that they are thinking of wasting the courts time over such a small amount especially as you have already offered to pay in full!
Separately to the issue of the debt I would also follow up about the breach of their confidentiality pledge which all officers are obliged to sign annually.
It is completely unacceptable to discuss your account with anyone other than you. The only exception would be if someone was guarantor on your loan. Even then only the enforcement of the guarantee should be discussed.
The CU are obliged to have a Complaints Officer/Committee and procedure. I would follow up on it until you have satisfaction or have exhausted their process. If you don't get satisfaction I'd bring it to the Financial Regulator.
Good Luck and it would be great if you could keep us updated.
Hi
I find it hard to believe that the CU has gone to court without having already set off your shares against your loan and trying to recover the €200 from you directly, not to mention that you have requested them to do so. If I were you, I would contact the local CU, tell the you intend to contest the court action on the basisi that they have previously refused an offer similar to that now acceptable and that you will expect/ask the court to award the costs against the CU. You might find their attitude changes somewhat. Good luck.
They seem to want it the other way around. Below was the letter i received they want the 200 euro first then by a certain date then they will offset the shares The remainder which is fees relating to there legal cost they will accept payment by way of 10 euro per week.
Dear Madam,
We refer to the above matter and in particular to your email to these offices on the 8th October, 2012. Our clients are prepared to transfer €1,500.00 from your shares provided that a lump sum payment in the amount of €200.00 is paid within the next seven days. This leave an outstanding balance of €248.53 and our clients are prepared to accept a standing order for €10.00 per week until this balance is cleared. You should call to the Credit Union immediately.
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