Hope that you are all well and good: Just to update you lads, To date there has been no response to my letter sent to the Irish collection idiots. I’ll keep you posted though..

ScarletPimpernel: Did the Irish law scare you away?

Thanks a million. It all gts a little confusing for littlle ole me. And the Wife had a heart attack last night when she saw the letter. She thought the balifs would eb at the door in the morning...

Afternoon one and all. ScarletPimpernel : Yes it is the HSBC alleged Debt. And the Agreemnts I speak off, was the one I sent to you. That is all they had. Plus statements. There was nothing more added. noomill060: You just couldn’t help yourself could you.... Very good. And the Irish bunch called me last night. The number came up blocked, so of course I left it. It was an Indian lady, and I was tempted to ask her to spell the name of the person she was asking for as I couldn’t understand, and then to say ‘Nope, no one here of that name’ and hang up......

ODC: You must be in the know. I just received a letter today!! Sorry guys for not updating. Christmas, Long January ect. And the fact that I had heard nothing from any one. Until today that is!! I think ODC must have known their time lines....... Plus I didn’t get any alerts via email to advice that you guys had been having a good ole chat on my situation! My fault. So thank you all for your time. Any way: After I pointed out to the solicitor over here in Ireland that they should not have served me with a Court summons as it should 1st go thru a court in the UK. I heard nothing from them at all. They had in fairness to them presented me with print outs of the 'signed' HSBC contract. Which I thought may have snookered me. But then I get a letter today I received a letter from www.intrum.ie who are writing to me in reference to my debt with George Y. Yiangu andCo. www.yiangou.com Who I have never heard off until today, “Our client above has requested that we communicate our intentions to collect the full outstanding amount balance. We would give you the opportunity to contact us before the following steps are imitated by us: Additional costs and interest Being called on direct to your residence by a collecting agent (We can assure you this will not happen if you contact us now) Judgment and disclosure in national publications (Can be avoided by recognizing you need to act now) Hung drawn and quartered in a city of our choosing, and you head mounted out side of CrapQuests office (Okay I made up the last one) Pay with Giro attached below or call us for a conversation to resolve the debt. Yours Sincerely E.Ball Now firstly I take the solicitors that I was dealing with at the back end of last year went back to the clients and said sorry, not touching this with a barge pole. I can only assume this to be the case as they have handed it over. Secondly, creditor George Y. Yiangou, how did they end up with my details, and who in the world are they?? Thirdly, and your going to love this one. They have miss-spelled my name. I can only assume this is due to what would be know as Chinese whispers Oh, and on the 4th note, They have only stated an amount, not € or £ mentioned. So there you go. I feel like I am back to square one with a new lot of sharks. And I am guessing the same applies. Or should I just ignore this one completely after all they are writing to some ones who’s name is like mine. But they have missed out a letter or two if they were referring to me….. Thanks a million guys. Speak soon, And ODC: Next time can you ask if I have won the lottery…..

I was guessing they knew they were in the wrong, when they 1st tried to take me to court over here in Ireland. Their tact has now changed to "would you mind paying the amount". A tact I'm sure will change in the future. SP: I've re-emailed the agreement to you. Let me know if you don't get it for some reason. Regards, Phil

OH, so a CCJ can only be served to an address in the UK. Hence why they tried to take me thru the courts here in Ireland, and then realized they had no chance. ( I guess they know this now, as they did not serve me with a court date, just a letter saying I owe.....) So I guess a polite go away letter to the Irish solicitors would be the 1st step.

So, next step for me would be to write back to the Irish solicitors acting on behalf of HSBc, and advise them that I still dispute the debt, and that it is my opinion that it should be delt with thru the UK system, as it is a UK debt. And from this I take it that they will issue a County Court Claim from the UK to me here in Ireland, and after they will probable issue a CCJ for the amount.

I think we've lost the Pimpernel some where... Thanks for your reply ODC: If I were living in the UK, and the bank had produced an agreement, after all the past CCa's ext what would be the procedure. Would they have go down the CCJ route? I'm just wondering if I should tell HSBC's solicitor over here in Ireland to go fish and point out that this should be delt with thru the UK system, with it being a UK debt? Also, Do I take it that now as they have produced an agreement that in one way or another I'll be having to pay the outstanding? Thanks again in advance. Pip

ScarletPimpernel, Are you around, I didn't hear back after email?

Haven't spoken to them yet, as hadn't seen a need. They were not to sure on UK law you see.

Ah, I see (I think) They need to get a CCJ in the UK, and then they can come after me for payment? Would the CCJ prosses involve me having to apear in the UK for any reason?

ScarletPimpernel: I've just pm'ed you. The letter is from solicitors over in here in Ireland acting on behalf of HSBC.

Long time indeed. I have visions of some poor temp having to search throu paper docs dating back years to find this! Scanner is down, but I'm going to head out and get scanned now and will post on my return. Thanks,

Morning all, Hope is well. Well I finaly heard back from the solicitors here in Dublin. The letter reads: Dear Sir, We attach herewith copy of the agreement as requested together with copy statments. You will not from the statments that the balance due is stg****. This was the balance that was due when the account was closed. We have been advised by our client that the sum that the sum of stg **** has been repaid, leaving a balance of stg ****. We await hearing from you by return, Your faithfull, **************** They have indeed enclosed the statments and the agreement for signing, which details the loan amount, monthly repayment amounts and my signiture. Just wondering where I stand now. Thanks in advance, Pip