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Apologies I hadnt been clear enough ! But thanks for explaining how borrowing and repayment works ! got that now. Yes we ended that battle and we no longer owe anything on the BTL which was sold. Just fail to understand why now again 2 years later and out of the blue we are asked for the...

Coming up to two years ago - we ended a 4-5 year battle with AIB over a Buy to let Mortgage which went belly up. We came to an agreement with Bank - lost the property (that sentence is very short !! - but after several very difficult years that about what the situation amounted to I guess!! )...

thanks CEgg, ok so ill click the both boxes - the tax return is done under my Husbands PPS no. and we are jointly assessed. Just to complicate things - I was made redundant at the end of Feb last year. am i entitled to claim the allowance / Credit in this instance ? (2 months salary +...

Hi, This will be an obvious answer to the seasoned tax returners - so advise really appreciated. My head is fried trying to complete a TR. 2 Q's pls:- 1) I cant see where i can put the PRSI portions for the return. The deductions section has PAYE / USC and then other items not...

Nah SBarrett -it crossed my mind fleetingly but he didnt beg me to go to him or anything - just would make me uncomfortable and ive enough of that ! Daffodils ... he is a chartered accountant - and is well versed on dealing with the banks arranging suitable repayment options etc for situations...

yes by your reply it was clear you hadnt read my post .... at all

sadly no ! His company name is 'name'surname' accountants so needless to say i wouldnt even attempt to communicate with another from his firm. Guess what would happen. Its a small 'town' practice ... I had known of him before I encountered him -a very clever man.... ( &very friendly with...

Oh absolutely not ! I am happy to pay - if you read what I said I have paid always when asked. And of course that's right and deserved. But - it's now the actual crunch is beginning ie the negotiation with bank as sale is happening - about to go through. We can't get him - he doesn't respond...

We had to get advise from an advisor (recommended by a good friend) to deal with the shortfall on BTL mortgage shortfall on our behalf vs AIB. It was/is exceptionally stressfull and my partner was/is struggling coping - severe depression. so this is why we took advise to let someone handle it...

'Mary' is a nightmare ! She might be your sister but someone needs to go bring her to her senses ! She has the opportunity to make things right (she should have informed you guys before this partnership that she was with otherwise partnered) . She has nothing to lose by backing out of...

May I ask if PIAs is done ... And just say poster above went down this route .. And they managed to keep their house. Wouldn't there be a judgement put on the house. In which case the poster is always ever after looking over their shoulders and the nightmare never ends ?

SB quite right !!! I'm in the depths of despair and yeah I guess I'm not making myself clear to anyone these days including myself !!

Hi could anyone enlighten me as to how much one should expect to pay for an advisor - ie someone who handles correspondence and deals with bank on your behalf. I know this is a how long is a piece of string question maybe. But if anyone has used such services and wouldn't mind sharing their...

Thank you for sharing your experiences. As others have said - BEST OF LUCK.

How did you fare out !

Best of luck tomorrow Matthew and family

Imagine the horror of paying down your HOME MORTGAGE ?? of course you would want to protect that first ! Good on you !! Exactly what most people would do even if they claim they wouldn't. If I'm understanding- your pr is €120k? That's probably manageable? Hope btl situation improves best of...

Pache Just interested to see what is happening with this/your situation ?

Thanks Bronte - i might put up the information later for some advise. Im worn out - engaging ..... thanks

Hi Could someone please give their opinion or knowledge on this question please...... If a bank eg. AIB started talking about putting a Judgement on a family home - they obviously aren't going to the expense of it for nothing ..... do they usually go in then and enforce the Judgement ...