Credit Card Problem

[avent]

Hello all. My wife has a problem with her credit card from AIB. She owes 1377 euros on it with the last year and a half. She got a letter last January asking about our means and how much could we repay, which we responded to and offered a small amount per week as we have a mortgage and bills as well to pay as we are both not working and receive very little social welfare.
My wife received a letter from Intrum Justina last week letting her know that they had been issued instructions to collect the debt. Today she received a second letter demanding payment, so we are wondering where do we stand on this matter.

 

[Bronte]

we are both not working and receive very little social welfare.

Well then they know very well that if they take you to court a judge is most unlikely to order you to pay anything. I would just offer them whatever you can afford to pay it back, I would assume on the dole that might be 1 Euro a week. But please engage with them and write back. If they are going to continue applying interest I would probably offer them zero as there would be no point.

 

[avent]

Yes they have frozen the interest, so who would be the one to respond to AIB or Intrum Justina?

 

[grandyea]

Contact Intrum Justina(worst thing you can do is ignore them) and outline your circumstances and your repayment proposal. Do this in writing and keep a copy of the letter. They might go for a judgement on your property - which you can ask to be lifted when the debt is repaid.
Other option is to look for a settlement figure with AIB if you have any lump sums coming your way (they normally look for about 70% of the debt). If you feel overwhelmed dealing with either AIB or I.J. make an appointment with your local MABS branch who will engage on your behalf.

 

[Bronte]

I agree with the advice re Mabs. Looks to me that AIB are out of the picture now. Mabs will help you draft a letter to IJ.

And they are not going to court to put a judgement on your house for the amount owed.