http://www.keepingyourhome.ie/mortgage_debt.html -I find this site very good.
Two important points -
It (MARP) requires lenders to handle all such cases
sympathetically and positively, with the objective at all times of helping people to meet their mortgage obligations...
Repossession proceedings
The lender must not apply to the courts to commence legal action for repossession of your property until every reasonable effort has been made to agree an alternative arrangement. If you are cooperating with the lender, they must wait at least 12 months from the date your arrears were classified as a MARP case (31 days after the first missed repayment) before applying to the courts.
When a lender is calculating the 12-month period, it must exclude any period during which you are complying with the terms of an alternative repayment arrangement, appealing to the Appeals Board or complaining to the Financial Services Ombudsman under the Code. It must also exclude the period during which you can consider making an appeal.
MARP is not something to worry about it's only the term given to a payment plan... and all the bits that come with it.
Topaz2 - fill in the forms and send them to the bank - you need to do this to be considered cooperating. Give them a week and then follow up with them. They should be happy to see you paying again and should work with you to make a payment plan. Ask for everything in writing and make no decisions on the phone, always take time to think what works for you.
Daisy2 - If you are talking to the bank and they are not interested.... complain. in what way are they not interested ? If MARP applies to your mortgage they can do very little in terms of starting legal proceedings. Pay what you can afford - send everything in writing and ask for everything to be confirmed in writing.