Hi unclebulgaria67 Another user on hear asked me to post a new thread with this info and send him a link to the post. The organisation you mentioned were very nice but could not speak to me as it is a loan that is in Republic of Ireland.

Hi everyone needing some help with this one. I had a loan with an Irish bank with an outstanding amount of around €7,000. I left Ireland just over 4 years ago and made them an offer to pay €5,000 before I left which they refused, so I left Ireland without paying the loan in full. Fast forward 4 years and i now live in Northern Ireland which is part of the UK and I have received an email from Certus stating that I still owe the bank money and if I do not wish to engage with the bank then he will advise of same and the bank will then make a decision. I have already asked for a copy of the agreement. The questions I have are: Can They issue a CCJ for my home in Northern Ireland Can this effect my UK credit score What response if any can I give to them Any help is greatly appreciated.

Hi everyone needing some help with this one. I had a loan with an Irish bank with an outstanding amount of around €7,000. I left Ireland just over 4 years ago and made them an offer to pay €5,000 before I left which they refused, so I left Ireland without paying the loan in full. Fast forward 4 years and i now live in Northern Ireland which is part of the UK and I have received an email from Certus stating that I still owe the bank money and if I do not wish to engage with the bank then he will advise of same and the bank will then make a decision. The questions I have are: Can the bank chase me in Northern Ireland (UK) Can They issue a CCJ for my home in Northern Ireland Can this effect my UK credit score What response if any can I give to them [*]edd Any help is greatly appreciated.