Similar situation guys, house bought back in 2008, at only 19; young and silly. Mortgage defaulted in 2011 and in 2015 house was repossessed by EBS and sold. There was residual debt of over 200k and when I requested my credit report recently, it showed that payments were made for 9 months in 2016. I did not make any payment so wonder if EBS could be ‘faking’ payments in order to not let the 6 year statue of limitations kick in? Also, they are adding around €750 monthly to the balance owed. Can they do that? Thanks