Lululubelle
Registered User
- Messages
- 16
Hi again.I have been communicting and trying to get my head around the most contradictory and confusing info from Aib credit control for past several months. I found myself living off my AIB visa card, not for lifestyle reasons, but due to several dire financial and emotional circumstances several years ago, following a disastrous marriage in Australia which I fled in 2008. I am Irish, and have owned a wee flat here near Edinburgh for nealry 9 years. I had no payment from my ex-husband, (for whom I gave up a very lucrative career for, and the last of my child bearing years to) and arrived back to find my flat badly flooded and in need of £12k worth of repairs, so I remortgated. Before I married I had earned high wages, (was in a nich industry) and naievely never envisaged this situation happening to me. Ok-we live and we learn-what can I say?
OK-today I am ok-that is something. I have my health. However AIB credit control are notihng if not consistently inconistent. Latest advice was to pay a minimum of one euro off my 12k+ visa card bill, in order not to be perceived as a bad debt and get pursued by the courts, as the debt would be passed from AiB to another agency, who can track me down and enforce me to sell any asset-and yes, apparantely even here in the UK as they track things down. I was made redundant & still am "surviving" off social security-an impossibilty. I am already trying to sell my flat-the only Godamn thing I own over my head-in order to clear this mess, but even reducing it by 15 percent is still proving hard, no offers yet. And all over a 12 thousand euro credit card debt! I may sound stupid, however I am glad to have escaped physically intact from my marriage, that is the main thing.
I mentioned to the AIB that I may be inheriting a small, and I mean small sum, from a will-they want that. I am in my mid 40's and beginning to veer from feeling devil may care, to suicidal about all of this, also because I am so isolated where i live. I was also told contradictory info regarding when I did my initial statements of means, and returned my credit card back several months ago. I belive they thought my situation would have improved by January, which it has not, and so I agreed to be listed on the ICB, and was told this bad credit would only hang over me for 5 years, then disappear. Vamoosh. I may well wish to return to live in Ireland, and now I hear that that credit misdemeanour footprint is forever on your record, and can impede you in many ways......and stop you from gaining a decent credit score ever again??
I am so confused-do i need to repay almost 400 euro pcm, or just 1 euro to satisfy their rules?!! I cannot live here in the UK, and frequently have to go to get crisis loans, so no way can I pay any more than 1 euro pcm.
I think I am ready for a home for the mentally bewildered, if not worse, I just got out of hospital yesterday after my first ever angina attack. F==it-life should not be this serious, I just feel like I am constantly battling everhthing on my own, tending a sick mother who does not comprehend my problems etc....Sorry I digress, can someone please give me some sensible advice, it would be so very much appreciated?
Please-has anyone any real knowledge of how these things operate, as I know one thing, the AIB sure do not. My earnings used to be very hiigh up til approx 2005,(no doubt one of the reasons ex hubby married me) and so they just never questioned my circumstances, hence my having a high credit limit. Until 2 years ago, my credit card bills were always paid off 100% each month for over, gosh...14 years or so....
Thanks in advance to anyone who replies.
OK-today I am ok-that is something. I have my health. However AIB credit control are notihng if not consistently inconistent. Latest advice was to pay a minimum of one euro off my 12k+ visa card bill, in order not to be perceived as a bad debt and get pursued by the courts, as the debt would be passed from AiB to another agency, who can track me down and enforce me to sell any asset-and yes, apparantely even here in the UK as they track things down. I was made redundant & still am "surviving" off social security-an impossibilty. I am already trying to sell my flat-the only Godamn thing I own over my head-in order to clear this mess, but even reducing it by 15 percent is still proving hard, no offers yet. And all over a 12 thousand euro credit card debt! I may sound stupid, however I am glad to have escaped physically intact from my marriage, that is the main thing.
I mentioned to the AIB that I may be inheriting a small, and I mean small sum, from a will-they want that. I am in my mid 40's and beginning to veer from feeling devil may care, to suicidal about all of this, also because I am so isolated where i live. I was also told contradictory info regarding when I did my initial statements of means, and returned my credit card back several months ago. I belive they thought my situation would have improved by January, which it has not, and so I agreed to be listed on the ICB, and was told this bad credit would only hang over me for 5 years, then disappear. Vamoosh. I may well wish to return to live in Ireland, and now I hear that that credit misdemeanour footprint is forever on your record, and can impede you in many ways......and stop you from gaining a decent credit score ever again??
I am so confused-do i need to repay almost 400 euro pcm, or just 1 euro to satisfy their rules?!! I cannot live here in the UK, and frequently have to go to get crisis loans, so no way can I pay any more than 1 euro pcm.
I think I am ready for a home for the mentally bewildered, if not worse, I just got out of hospital yesterday after my first ever angina attack. F==it-life should not be this serious, I just feel like I am constantly battling everhthing on my own, tending a sick mother who does not comprehend my problems etc....Sorry I digress, can someone please give me some sensible advice, it would be so very much appreciated?
Please-has anyone any real knowledge of how these things operate, as I know one thing, the AIB sure do not. My earnings used to be very hiigh up til approx 2005,(no doubt one of the reasons ex hubby married me) and so they just never questioned my circumstances, hence my having a high credit limit. Until 2 years ago, my credit card bills were always paid off 100% each month for over, gosh...14 years or so....
Thanks in advance to anyone who replies.
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