O
old-debt
Guest
HI
wondering if I could get some advice.
I am being chased by Interim Justicia to pay a debt I do not owe.
I had an MBNA credit card I stopped using nearly 11 years ago.
I cleared all outstanding amounts roughly 9 years ago.
On and off I have had various debt collectors chasing me for this non existant debt which MBNA claimed I still owed.
On every occasion they contacted me I explicitly denied owed the money and asked for proof of the debt. This has continued for the last 10 years aproximately once a year.
When asked for proof I was always told proof would be sent and never received anything.
Now I have received a civil summons (I think, it has no record number and has not been filed) and I believe I have to return two copies of a notice to defend. One to the court one to the solicitor.
My worry is I have no proof of payment. It was over 10 years ago, I have moved house twice and could not produce any evidence of payment. The amount is reasonable over 2,000 Euro.
If I issue the notice to defend, I may be liable to costs if found owing, would be reliant on my sworn affadavit, which I am prepared to make, and would be risking serious financial difficulties.
However I have never acknowledged the debt, it is over 10 years old.
What do I do now? Fold, and capitulate to the extortion* or take the high ground and risk the courts?
Old-Debt
*Where extortion is defined as the obtaining of property from another, with his consent, induced by wrongful use of actual or threatened force, violence, or fear, or under color of official right."
wondering if I could get some advice.
I am being chased by Interim Justicia to pay a debt I do not owe.
I had an MBNA credit card I stopped using nearly 11 years ago.
I cleared all outstanding amounts roughly 9 years ago.
On and off I have had various debt collectors chasing me for this non existant debt which MBNA claimed I still owed.
On every occasion they contacted me I explicitly denied owed the money and asked for proof of the debt. This has continued for the last 10 years aproximately once a year.
When asked for proof I was always told proof would be sent and never received anything.
Now I have received a civil summons (I think, it has no record number and has not been filed) and I believe I have to return two copies of a notice to defend. One to the court one to the solicitor.
My worry is I have no proof of payment. It was over 10 years ago, I have moved house twice and could not produce any evidence of payment. The amount is reasonable over 2,000 Euro.
If I issue the notice to defend, I may be liable to costs if found owing, would be reliant on my sworn affadavit, which I am prepared to make, and would be risking serious financial difficulties.
However I have never acknowledged the debt, it is over 10 years old.
What do I do now? Fold, and capitulate to the extortion* or take the high ground and risk the courts?
Old-Debt
*Where extortion is defined as the obtaining of property from another, with his consent, induced by wrongful use of actual or threatened force, violence, or fear, or under color of official right."