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Deekie, absolutley file the return and then discuss payment method with Revenue. They are very accommodating. Also, I don't know if borrowing to pay debt is a good idea or if banks will do this.

Data from Cabot received. Is there a time limit from when I filed my appearance and defence notice and sent it to Belgard Solicitors for them to follow through on a court date?

€6.35 fee requested. I've sent this to Cabot now along with the request.

Data protection request letter sent to Cabot. Let's see what they have or if they request the €6.35 fee. District court notice to defend stamped by court officer and sent to Belgard Solicitors. I'll update the thread with any progress.

I think you will need to send them a photocopy of ID and a payment of €6.35. I will be doing it this weekend and will update the thread with any progress.

Hi Robert, yes get the ICB report. Only the credit card provider will report to this not any debt agency who might have taken over the account. Can you let me know who the companies involved were and if you went through a court process first?

I haven't filed a notice to defend their claim notice yet(received 13/02/17) with the court and will be sending them a data request. I can't find anyone else who's been to court with them yet? Interestingly, I received a call from Belgard Solicitors yesterday. I didn't engage and again stated I...

I am in a similar position (see other threads). I have paid back all my other outstanding loans and liabilities (mortgage ongoing) and this one old MBNA/AVANT credit card is now with Belgard/Cabot. It's the last item from when I ran into difficulty. I got the registered district court letter...

My wife and I received notification of our tax credits for 2014 and then an updated one was sent in Jan 2014. I logged into PAYE anytime and changed the credits so that they are split evenly between us. Unfortunately this was not received in time and by my wifes employer and her wages are down...

pig dog, I am/was in a very similar position, I too was landed with a bill from Revenue that I had to repay and caused me to be unable to keep up on a large credit card bill with MBNA(now Avant). I have just finished repaying Revenue but Avant have just written to me informing me that they are...

Worried Sick - I know how you feel. I was in a very similar position, please take Gerry's advice and don't answer private numbers on your mobile, make sure the mobile number is the only contact detail they have and refer to the key post on this site "How best to deal with MBNA"

I wasn't on a repayment plan or any sort of reduced payment agreement, I made offers to MBNA of a fixed monthly amount after I could no longer afford the minimum payment. I received the letter about the account being sold on in July 2011 and am still surviving. I hope this helps to reassure you.

Bennie, I am in a very similar position. I have been in regular contact with MBNA concerning my outstanding debt and have had the account closed and passed onto MBNA Debt recovery department. I have not heard from them since my last letter in the first half of the year. I got the same letter...

I received a letter today from MBNA stating that my debt with them will be sold on to an agency. Can anyone advise me on this. Can I then negotiate a repayment plan with them and how open are they to offers?

Hi Colette, it's still unresolved but am keeping communication(by letter) on going with them. I'll update the thread as to how it develops.

Congrats Netz!!! You must be relieved, I hope I can report the same outcome soon.

So I should just play along with their demands for details and payments until it gets passed onto a 3rd party and then agree a repayment plan with them instead of organising it with MBNA?

MBNA have declined my offer and say that I can afford the minimum payment amount. I can't and wouldn't be contacting them and my other creditors if I could. I am going to write to them again to see if I can make any progress as I want to sort the situation out asap.

MBNA - No help whatsoever I have just started down this road with MBNA. I am returning the card to them and requesting a freeze on interest and charges as I have a large balance I need to settle with them. I am including a detailed budget of my income and outgoings and am proposing a monthly...

I'm in a very similar position. I have €22000 in short term debt and have tried to renegotiate with my 3 creditors. I have €6k owing to NIB on a personal loan - There are 2 years left on this and I requested to spread the remainder over 5 years to reduce my payments but they said as I can afford...