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    Letter from KBC regarding loan sale even though I'm bankrupt.

    Thanks so much @Dazzler123 for all the information. I really appreciate you taking the time to answer. It's been very helpful.
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    Letter from KBC regarding loan sale even though I'm bankrupt.

    Hi Dazzler123, Thanks for your reply, much appreciated. I wonder why the bank has left the house so long to end up in such a state that it would be worth a lot less than the value of the mortgage. They allowed me to get a valuation and engineers report to possibly let me buy the property back...
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    Letter from KBC regarding loan sale even though I'm bankrupt.

    Hi, I'm hoping someone can advise on this letter I just received. I have posted here before and received great advise which has been much appreciated. I just received a letter from KBC letting me know they are selling my mortgage loan. I went bankrupt in 2014 and the loan was also part of the...
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    Cabot Financial letters 5yrs after discharge from Bankruptcy

    Thanks for the reply TLO. I didn't continue to pay the mortgage and the house is in the banks possession. It's only in the last year the bank stopped sending me demand letters. I got my discharged date in writing from the UK and sent it to them. It's the date and the amount of the debt on the...
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    Cabot Financial letters 5yrs after discharge from Bankruptcy

    Hi, I'm hoping someone can help me with my query please. I went bankrupt in the UK in February 2014. All debts were included in my bankruptcy and I was discharged in 2015. Since then a couple of letters came from Cabot financial with very little information in the letters. I didn't take much...
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    Section 39 to section 38 workers

    Section 38 is by far the more beneficial option. You are deemed public sector so recieved everything in line with public sector employees, protected under public service agreements, trade union recognised, better access to pensions and sick pay schemes and you are part of the consolidated HSE...
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Congratulations everyone. It's lovely to see lots of good news coming through. Hopefully lots more on the way too.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Congratulations Mauritius, delighted to hear that you finally have a resolution and hopefully a very happy one. No sign of my letter yet but hopefully it's not far off now.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Hopefully February brings some news. I will start contacting them next week if I don't hear from them.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Hi Gavin, I have heard nothing from them yet. I was hoping to hear something today but the post has been and nothing from them.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Hi Snowman, Congratulations, I am absolutely delighted for you. Unfortunately I am unable to answer your question but I have thought about it numerous times. My letter stated that they weren't yet in a position to calculate my full redress and compensation so I can't figure how they decided what...
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    I am looking forward to seeing what this next letter brings. Hopefully there will be some mention of the house. I don't like wishing time away but if they are true to their word the end of January can't come soon enough.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    That will be the icing on the cake if that happens. Hopefully our letters are the start now and we get to see lots more positive stories in the coming weeks for everyone.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    I received my letter a few days ago. My house is just left sitting there, they never managed to sell it.
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    KBC KBC returned my tracker, after taking it from me as a condition for restructuring back in 2009

    Congratulations Mauritius, absolutely thrilled for you. I received a letter stating much the same with a cheque and more to follow by the end of January. I lost my home so there will be no mandate in there for me obviously but I am still delighted to say the least. Very sorry to hear about your...
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    Is it possible to buy back your home after bankruptcy

    Hi Niall, thank you for your reply. I thought my mortgage broker said I was on a tracker when we got the mortgage but I could be wrong as there is nothing in my documents that actually says tracker. It also doesn't say standard variable either. It says fixed for 1 year but doesn't say what it...
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    Is it possible to buy back your home after bankruptcy

    Just thought I would update and hopefully get some more advice. So I contacted the bank and they replied thankfully. The house is still in their possession and no further action has been taken as "The referenced mortgage account is considered as part of a Central Bank instructed Examination...
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    Is it possible to buy back your home after bankruptcy

    Hi Jim, thank you for your comment. Makes for very interesting reading. It seems Ireland is trying to play catch up to come in line with what's available in other countries. Very hard to find any information on this situation. Thanks for your help.
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    Is it possible to buy back your home after bankruptcy

    Hi Bronte, The auctioneer said they have no information on the house at all and don't know what happened with it. It was up for sale and then suddenly was delisted. Could the bank have sold that debt on as it's been hanging around for years? I assume the bank are under no obligation to give me...
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    Is it possible to buy back your home after bankruptcy

    Thanks everyone for the replies, great to get different advice and opinions. I could never move back into the prpoperty like that. I would die of a heart attack with stress.o_O I feel awkward even driving past the house as it is. As TLO suggested, the bank might not want to engage with me due to...
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