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    Success! I got a mortgage 4 1/2 years after being declared bankrupt

    Congratulations Mike, best of luck with the new home
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    Elderly person tired of Bank of Ireland, is AIB any better?

    Have you tried EBS? Always found them very helpful and have staff at the counter
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    Getting a mortgage after bankruptcy

    People in the UK have be successful getting a mortgage post bankruptcy, the system is different over there and there is a lot more lenders. Building up your credit rating would be the 1st step, small credit union loans, credit card and clear it each month would be a start. Will be very...
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    Bankruptcy; Where from here?

    Is it not the 1 year bankruptcy and a further 2 years? Being a total of 3 years? Or is it in fact a total of 4 years?
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    New efficient boiler .. makes sense ?

    Look at insulation also as, if you are losing a lot of heat you will still be using more oil than you might need .
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    Case study jointly owned home ok; big arrears with KBC buy to let in my own name

    Can you use your savings against your loan with the credit union to get rid of the car loan faster?
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    debt to be outsourced

    Any update on the out sourced debt?
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    Want to move but in large negative equity

    Just an update, the couple that were interested in the house were put off by the fact we would need the bank's approval to sell and didn't put in an offer. Two weeks ago, they rang enquiring had we broadband and what was it like etc so not holding my breath but they may put in an offer. My...
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    Don't want to lose savings to mortgage!

    Tbh they have generated the savings whilst making full payments and would only be looking for I/O for the 1st few months after the baby arrives, and as most know its a very costly affair and the money not being spent on capital could help cover the costs of the new arrival.
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    Want to move but in large negative equity

    It was the auctioneer that suggested the price of 185,000.He said that it was around this price that was getting the viewings and getting offers. Ive checked the property price registar, and there is no sales in 2013 in my area and only 4 listed for 2012. The prices for 2012 come no where near...
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    Want to move but in large negative equity

    I do think 185,000 is good value for the house and would like to get as close to this as possible that said, a cash buyer today can throw in an offer way below and someone else will accept it just to get rid of the house.
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    Want to move but in large negative equity

    Right had a viewing there on Friday , the couple is moving home from England and they were home for a wedding so they wanted to get a few viewings in. They viewed 3 houses but the auctioneer said they seemed to like ours the best. Got a phone call today saying the couple from England really like...
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    Want to move but in large negative equity

    Just an update, we have been talking to the auctioneer and he recommends a price around 185,000 and is hopeful this will get interest in the house, time will tell if he is right. We also met with Mabs during the week went through our budget with them and are just double checking figures on 1 or...
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    "Reasonable Living Guidelines" to be issued by the Personal Insolvency Service (PIS)

    If the option is open to the person in question they would have to be mad not to go the uk route
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    "Reasonable Living Guidelines" to be issued by the Personal Insolvency Service (PIS)

    • €28.61 a month to cover household waste charges, an annual boiler service and having the chimney swept. So thats 343.32 per year Bins where i live cost €25 pm = 300 Oil boiler service = roughly €90 Chimney sweep 40 quid? so thats 430 and i dont think any of those prices are high and yet there...
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    Want to move but in large negative equity

    Yes he said if we got an offer we would have to come to them with the offer and then they discuss it and it would depend on the ammount of shortfall, he wouldnt give a figure that we could sell for .
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    Want to move but in large negative equity

    Rang KBC today to tell them we would be able to meet with mabs untill the 10th of April, he just wanted to know what date that they would be receiving a payment in April and when they would be receiving the form back for the 12 months interest only , i told him that i wouldnt be doing anything...
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    Want to move but in large negative equity

    Rang Mabs today and the earliest they can meet us is the 10th so will have to ring the bank and let them know that, they said we can make a manual payment for april but as we havent said yes we want another year of interest only i take it that for this month we would have to pay the full payment...
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    Personal insolvency

    amazon can be good too, plus you get a discount when you set up a standing order can be as often as you like
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    Want to move but in large negative equity

    Hi Bronte, yes when we got the letter from the bank there on thursday evening saying we were getting interest only and also stating that we should seek financial advice but wanted the letter back on Monday, i rang them yesterday evening and explained that it was a bit hard to seek advice and get...
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