must go to bed try and sleep , you have a good night

found the case actually , very interesting thanks again , if i was going that route id get a solicitor anyway id say

sorry but does One judge allowed a summary judgment mean that the judge sided with the bank despite no credit agreement be provided ?

Thank you very much

the bank is AIB probably fairly on the ball id say

lets assume in a years time i have to ask for CCA and they supply one am i then more or less screwed , or could i still try and wait it out after the CCA provided court didnt happen before 6 years are up , or does proceedings just have to be started before the 6 years are up

Thanks very much for the advise , gonna be a long year and a half

What im most curious about is weather or not me emailing them my correct address with no mention of said debt would adversely effect statute barred i.e would it be assumed as accepting the debt by not objecting to it in my first contact ? can anyone shed some light on this for me please Also can a CCA and SAR be requested at the same time or is there a certain order to follow.

my name my address our ref no xxxx dear me xxxcard services acc ref no xxxx debt outstanding 7k Your account details have been passed to us by xxx card services to act as a collection agent and we will now be dealing with your account. We offer a flexible approach to repaying your acc and have different options that suit a wide range of individual circumstances. YOU MAY HAVE BEEN UNABLE TO FIND A SUITABLE REPAYMENT PLAN ON THIS ACCOUNT PREVIOUSLY {sorry caps} and we believe we can help you repay the account. If you are experiencing financial difficulty our staff are fully trained to assist you with your current situation and have a range of options to help. We shall be in contact with you during the next 7 days by letter and or phone in order to discuss your repayment options in detail. In the meantime if you want to contact us you can telephone xxxx visit our website xxxxxxx or you may make use of one of the below payment options your bla de bla de ble

KK thanks will type it now 2min

SORRY dont have a scanner can tell you what it says if any good?

DCA are called the everyday group

Something of note being court summons ? Is it too ;ate then to ask for CCA/SAR am i right in thinking if card signed for pre 2007 then CCA must be the origional signed one ? My one fear is that they call to parents house as i dont want to upset them with this

Hi I have credit card debt of 7k it is 4 years since i dealt with the bank. Card was obtained in 2004/2005 via a from from news paper. I had letters from DCA before which i ignored , all went quite for a long time untill last week i again received a letter from DCA saying details of account have been passed to them and they would be intouch with payment options. I have never had contact with any of the DCA firms. DO i continue to ignore them and hope another 2 years pass ? or ask them for a CCA and SAR. Currently letters are going to parents house if i emailed them MY address or asked for CCA/SAR would that effect statute barred i.e would the 6 year clock start over. I am in ireland if thats any relevence . Any help really appreciated

Does anyone else have any advise on what would be best to do