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HomeWhat can lenders doSummary Summons

Summary Summons for debts more than €75,000

If you've received a judgment from the High Court you'll be sent a Summary Summons, with an 'Indorsement of Claim' attached. The Indorsement will give you details of the debt.

Summary Summons are usually for debts that are more than €75,000. If you've received one, don't panic. 

You can contact the MABS helpline on 0761 07 2000. They’re open Monday to Friday from 9am to 8pm.

How do I respond to a Summary Summons?

You have three options if you've received a summons:

1. Agree with the amount and pay within 6 days
If you agree with the amount stated on the summons, you can pay within 6 days of receiving it and it'll stop any further proceedings. You won't need to go to court, and you'll also avoid any further fees.

2. Agree with the amount and ask for more time to pay
You can call the lender or their solicitor (if appropriate) straight away and try to reach an agreement with them. If you can't reach an agreement, you'll need to continue with option three.

3. Defend the proceedings within 8 days
Sometimes the amount a creditor claims isn’t right, or you don’t actually owe the money. For example, this happens when the debt isn’t yours. If you don't agree with the amount claimed, you can 'defend' the claim within 8 days of receiving the summons. You should:

  • Write a Memorandum of Appearance, which outlines your recollection of events and your intention to defend the claim
  • Take the memorandum in person or via a solicitor to the Central Office, Four Courts, Dublin

If you can't enter your Appearance in person, you can send the following to the court officer by registered post within 8 days:

  • A Memorandum of Appearance, plus two duplicate copies
  • A postal order for the cost of entering an Appearance, as per High Court fees
  • Two stamped addressed envelopes - one addressed to the lender (or their solicitor), and one addressed to you

The court officer will stamp the memoranda with the date they received them and return one to the lender, and one to you. It's important you send the Appearance within 8 days, If you don't, the lender will be able to start further action.

After entering your Appearance you'll be expected to attend a hearing in court in person, where the judge will decide if the judgment will be upheld.

If you're not sure which of the above options is right for you, contact the MABS helpline on 0761 07 2000. They’re open Monday to Friday from 9am to 8pm.

What happens if I don't respond to the Summary Summons?

If you don't respond to the summons, the lender can get a Judgment in Default of Appearance from the High Court. Once the judgment has been granted, the lender can then take further enforcement action.

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