Hi there,
Hope I’m in the right place to ask this questions.
So My ex partner and I got into difficulty with our mortgage in 2008, like many of us with job loss and pay cuts etc at that time. He was in construction so was let go pretty early on and had no income and I tried to make payments and did the best I could working two jobs to try make ends meet but the situation was not improving so We left Ireland in 2011. We then split up and he disappeared basically up to work on the oil rigs with no contact for a number of years. (I have heard sporadically from him over the ten years but he is not interested in anything to do with the situation and has no intention to return to Ireland again)
I organised a tenant move into the house and any rent received was paid into the mortgage. That was until early 2015. I was then pregnant on an unpaid maternity leave. There were a number of tenant changeovers, it was extremely difficult to manage from abroad particularly with a newborn and so I got a management company. They were even more difficult to deal with. Anyway, the last tenant left In 2015 and I guess I just gave up.
I know the house was sold in may 2019.
There is a significant shortfall, approx 160k
I have had no contact at all with the bank since August 2013.
I would now like to come back to Ireland with my two children due to my marriage breakdown. But I don’t know what is in store for me, how I should approach this, what I should do?
Will I be found? Should I come clean? I will have little money, single parent 42 yrs old, two kids, no job initially. I hope to go back and finish a course at night that will eventually lead to a teaching job but even with that I won’t have much money with two kids to support.
I have a family owned home (my parents holiday home ) that I can live in for as long as I need. I’m guessing I won’t ever get another mortgage or loan in Ireland again
If Anyone’s got any advice I would be so grateful!
Hope I’m in the right place to ask this questions.
So My ex partner and I got into difficulty with our mortgage in 2008, like many of us with job loss and pay cuts etc at that time. He was in construction so was let go pretty early on and had no income and I tried to make payments and did the best I could working two jobs to try make ends meet but the situation was not improving so We left Ireland in 2011. We then split up and he disappeared basically up to work on the oil rigs with no contact for a number of years. (I have heard sporadically from him over the ten years but he is not interested in anything to do with the situation and has no intention to return to Ireland again)
I organised a tenant move into the house and any rent received was paid into the mortgage. That was until early 2015. I was then pregnant on an unpaid maternity leave. There were a number of tenant changeovers, it was extremely difficult to manage from abroad particularly with a newborn and so I got a management company. They were even more difficult to deal with. Anyway, the last tenant left In 2015 and I guess I just gave up.
I know the house was sold in may 2019.
There is a significant shortfall, approx 160k
I have had no contact at all with the bank since August 2013.
I would now like to come back to Ireland with my two children due to my marriage breakdown. But I don’t know what is in store for me, how I should approach this, what I should do?
Will I be found? Should I come clean? I will have little money, single parent 42 yrs old, two kids, no job initially. I hope to go back and finish a course at night that will eventually lead to a teaching job but even with that I won’t have much money with two kids to support.
I have a family owned home (my parents holiday home ) that I can live in for as long as I need. I’m guessing I won’t ever get another mortgage or loan in Ireland again
If Anyone’s got any advice I would be so grateful!