Thanks for your reply Scarlet. So far I have only communicated with Global by phone and by email but they have not made their demands on paper, can I still go ahead and do the CCA request?

Hello everyone, I would be grateful for any advice on the best way of dealing with an Irish credit card debt that I am now being chased after and threatened by an England based debt collector to be taken to court. I was living in Dublin and left in 2003 for England. Since then I have been dutifully repaying my credit card balance of about €4500 with AIB Mastercard. Towards end of last year a catalogue of personal disasters occurred which left me unable to service the debt and I paid the last installment in November. AIB bank has now engaged the services of Global Debt Recovery who are based in Surrey. I received a phone call from one of their representatives on Monday morning while at work threatening that they would take me to County for recovery of the debt now standing at around €5400 if I did not call them back within the next 48hrs to settle the matter. It is only now that I am getting back on my feet financially and this has unsettled me as I cannot yet pay anything towards that debt as it is right at the bottom of my list with more pressing matters to be taken care of first. This afternoon just after 2.00pm received another call from the same man at Global Dedt Recovery and he was very rude and threatening asking why I did not call him back and that they are unwilling to take me to court but I am forcing them to do so by end of the week. I told the 'gentleman' to stop calling me at work and if he has anything to say he can write to me. How best can I deal with this for now? And if they take me to court what are my chances?