Cheers for the response sky its really appreciated. I did have card protection but i tried to activate it and they told me that because i left the UK and didnt register with the socail welfare i wasnt intitled for the protection (it took me 9 months to finally get an answer out of them). I was made redundant and left the counrty a week later so i didnt even cross my mind at the time. They havent tried to contact me by phone, im effectivelt homeless so im slepping in friends at the moment so they have my parents address (they havent had any calls) just the one letter i recieved. I have the card since around 2004/2005 no quite sure. Is it Triton i contact for a cca?? Triton did ask for me to go thru and expense form with them last time but i hadnt got the time. I did read in the forumn thread that by law i did i dont have to do this but just tell them how much i can pay and thats it.

Hey Guys, i recently am having trouble and Triton have been on to me. Ive been reading thru the threads and it seems you guys know your stuff so i really hope you can advise me on my suituation. I was living in the UK and was made redundant so i had to move back to the Republic of Ireland. Ive been unemployed now for 2 years now and i was doing my best to make my payments but couldnt keep up, these have since fallen thru and i was passed onto Triton, i owe 3,700 pounds. Mint were asking for 80 a month and because the currency difference this works out at nearly 100 euro a month on top of that i have to pay 15 euro as i had to pay as an internationl transfer online. With out goings now i can only really afford to pay around 30 sterling a month. I want to make payments as i dont want to go to court and face whatever they throw at me, im sick with worry about this. And as i read in some of messages from other people Triton arent really going to except the tiny amount i can afford to pay. I was also wondering if they have an Irish branch that that i can make my payments to to so i dont have to pay the transfer money. Or if they are likely to pass this onto an Iriah agency to chase me instead.