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Hi I have a cash buyer who is interested in purchasing my heavily indebted home. NE €200,000.00 plus some. I am anxious for the bank to accept the offer as I do not see a stampede of people knocking my door down to purchase. I have now ceased mortgage payments to the bank (yes I know...

Hi guys, I need some urgent advice please, if you could spare some time to answer my questions. I am a trades person, self employed sole-trader. As you can gather work has been very scarce of late but I have been lucky, or so I thought, that I've had one construction company that hires my...

I no longer have television in my home due to financial difficulties. I could not afford the TV Licence nor could I afford to keep a TV channel package. I keep getting final demand letters about the licence. Any idea please what the procedure is to 'prove' I don't have a TV when the licence...

I never knew such a movement in Ireland existed, until I read an article in one of today's newspapers. These guys seem to be expanding and their support becoming greater. Is this the beginning of Irish people saying enough is enough?

My situation has deteriorated since entering the process. From reading the T&C's I note your provider must contact you if more than three payments are missed under the agreement. I've missed more than three and nobody has contacted me. No resolution has happened even though I have mentioned...

I have a tracker mortgage on an investment property with PTSB. I have had the property on the market since 2009 and have received three viewings in three years. My own residential mortgage provider is pushing me to get a sale on this property and have insured me they will seek a repossession...

I am helping a co-worker out who is going through a very rough time financially. I have helped him draft letters to his creditors who have been positively responsive, all apart from his local credit union. He has €2000 shares but has an outstanding loan of €3,500. The credit union have...

Dear Brendan, I would be grateful to have your opinion please. Thank you very much. Regards, Peter |Mortgage|Value|negative|interest| Home|€370k|€240k|€130k|€15,800|4.5% * 3.5% Investment|€125k|€50k|€75k|€2,600|2.1% Rent? Unsecured loans| €87,000 Car loan|€8,000...

Hi all, Looking for some advise please. I'd been having difficulties meeting my mortgage payment each month but finally came to an agreed repayment figure with my provider under MARP. The property is in gross negative equity so there is no chance of selling and a mortgage write down does not...

I received my yearly mortgage statement in the post yesterday. Each month it has a small sum of money credited off my loan, with the words (Write Off) beside it. Could somebody please tell me what this means and why they are writing off such small sums of money?

Like other posters I have been contemplating filing for bankruptcy in the UK. I have been considering this option for well over a year. I had struggled to renegotiate all my personal debt and had to go overseas to engage with a debt management company. Within days the non secured debt was...

This is not a joke - would like to hear thoughts on the following please: I met with a banker the other day to discuss getting an extention on my MARP agreement. They were happy with my progrees and saw that I had made cuts to my expenditure. Food shopping down, use of electricity way down...

I have been looking at commercial property for lease around Dublin city and have set my eye on one in particular. What would be classified as a good lease deal? With times been so tough I have asked for a large chunk of the rent to be cut. They have agreed to this but having spoken to some...

Did anyone watch the RTE programme last night? I am not an FF supporter but I actually felt sorry for Cowen after watching it. I couldn't believe the nerve of some ex Ministers speaking out now. Why didn't they speak out months and months go when things were going from bad to worse. The...

From reading a couple of threads on the forum over the last couple of days I notice posters looking for second mortgages or trying to seek out the best mortgage brokers around while they have an impaired credit history and obvious money problems. Have we learned anything . . . ?

I have mentioned on a couple of previous threads my marital woes so I won't bore you all again. I have spoken to different barristers and solicitors with regard divorcing my ex. In all cases I have been told to leave well enough alone as I was hoping to seek a settlement figure. If I do not...

Mods please feel free to move thread if it needs to be in the legal section. My wife and I live apart. We have been legally seperated for some years now. I have always been financially supportive and done everything that was required of me by the legal seperation. Our son never wanted for...

I am currently trying to rent out my main residence but so far little interest. I am in the process of moving into an investment property I have, as the mortgage is more affordable. I am currently paying an agreed amount of money off my main mortgage each month; subsequently the bank have...

Not my words but the words of a now retired high ranking civil servant I had the pleasure in having a conversation with:rolleyes: He said that he believed the vast majority of unemployed had cash in the hand income at their disposable along with their dole and medical card. He also said there...

Sometime back I took out a car loan on hire purchase. The car was for my ex partner who was incapable of getting a loan at that time so I took out the loan for her. The log book was also registered in her name. She had always paid the full amount but has recently lost her job but is still...