There are some specific scenarios where this happens, but only where the loan type / documents allow for it.Do Collections agencies purchase debt ?
I get the OP's point. And David I did ask the OP why he didn't pay it back.
There is no doubt in my mind that the banks overloaded young people with no money sense a load of debts. They were sending out credit card cheques unrequested for heaven's sake. OP has explained himself well, I for one appreciate that. So when I'm faced with big institutions bringing the country to it's knees versus a small time borrower I know which side I'm on. The real culprits here are a) the government b) the banks c) the regulator and at the bottom of that pile is d) the borrowers.
It's easy to attack small time d. But he wouldn't exist if it weren't for a to c.
I don't know David, why does the Irish state enable billionaire tax evaders? Why does the Irish state use your tax to keep immigrants in portakabins for years on end?Mickey fair play to admitting that the debt arose as a result of frivolous spending and financial recklessness on your part.
You say above you borrowed money to go on holidays. You have defaulted on these loans so technically you got a free holiday. I like many others didn't go on holiday this year because I couldn't afford to.
You came to an Irish forum where the vast majority of contributors are Irish tax payers. You are asking advice on how to put your hand in our pockets and expect people to be OK with that
You are in a position to recommence repaying your debt so why not do so?
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