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VF's are not obliged to enter, what you consider to be a good deal, other issues may be going on in the background that you are not aware of, for example the vulture fund may be considering selling on your mortgage again ( churning ) as part of it's strategy.

From looking at the Joint Oireachtas Finance Committee discussion to the SVR issue to date, it appears that the Central Bank has admitted that the mortgages, that have been sold on to vulture funds, have less consumer protections than those that remain within the regulated sphere. Especially in...