Hi all, I have a loan with Ulsterbank for circa €11,000, down from 25k. It was taken out when I was a student and paying fees - then the recession happened. Long story short, we agreed a €300 monthly repayment interest free and it’s been like this now for several years. I haven’t missed any of these payments. The loan was orgininally taken out about 11 years ago, but some of those years were interest only, etc. Ulsterbank just wrote to me asking to contact them to discuss ‘a mutual agreement to bring this to a close’ as the loan has been in their recoveries department for 11 years now. They note I’ve been making my repayments but point out it will still be a number of years before loan is repaid. They want to start a ‘discussion’ Haven’t heard from them for several years now so I’m surprised to hear from them now. Any ideas?