A man who owes a bank more than €60,000 told a judge he had not paid anything off because he didn't want "to engage in paying willy-nilly" amounts.
Gary Higgins told the Circuit Civil Court he was "not keeping the money in a pot to pay it off in a lump sum".
Mr Higgins, of Kiltipper Close, Tallaght, Dublin who represented himself, said he did not know how much he owed.
He told Judge Jacqueline Linnane he was told he owed €39,000 in arrears and later the bank claimed he owed €66,000.
EBS Limited is seeking to repossess Mr Higgins' home.
Solicitor Mark Hession, for EBS Limited, said the bank would be taking issue with a number of allegations made.
Judge Linnane put the matter back until October 24. She said the bank would provide him documents on its change of name proceedings.