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UPDATE My first impression of Start being on the ball was short lived. I have called them once a week since the switch and have been told someone will call you back. Still nothing. Trial coming to an end this month. I should have been issued docs at this stage for permanent arrangement. Nothing...

Brendan thank you for your reply. I contacted Start on friday. For anyone wondering what it is like to deal with them, I would describe them as efficient! They confirmed that I called them, that it was the first contact I had made with them. Gave me details of two offices that would deal with...

Hello, My mortgage was sold in the bundle to start in August. At the time we had just been offered a trial restructure. This was for 6 months with a view to more permanent solution of warehousing part of the loan. We had been told to enter into the agreement and if we adhered to the trial we...

Thanks Brendan. No the full mortgage payment is 838 this includes our life cover. We will be paying back 900 for 6 months on trial arrangement. I was hoping although I know it's only a small sum that the extra would go to the arrears which seem to be the case. As we had offered to pay 950 I will...

Thank you for all the help I got on this thread. We have signed our new 6 month agreement and will hopefully be able to deal with start in the new year positively. Our trial arrangement sees us paying an extra approximately €60 per month (we had proposed €100) back to the bank on top of our...

The dreaded letter just dropped. Is there a reason why they would send this letter in my name and not my partners name also. All other correspondence has been in both our names. Why now only send the letter to me?

Thanks for advice. Can I ask. If I sign the 6month agreement with PTSB and Start do not have to honour putting us on permanent restructure at the end of it would I be better to not sign it. Pay the extra money €100aprox per month off the mortgage and deal directly with Start for restructure...

When we both ended up unemployed we ended up falling behind in our unsecured debt as well as our mortgage. We made payment plans and arrangements on all our debt at the time. It worked out that loans we should have payed off years ago were only cleared in the past few months. Credit card had the...

Jim Stafford thank you for your reply. Yes this is our family home, so assume tracker is safe. I will do some research as to the PIA. Not sure if I would be suitable for it however. We had been in a position with a lot of unsecured debt. All has now been paid off and the only lending we have now...

Thanks Brendan.

Brendan that's a good read in the yimes. Gives me a little hope. Thanks for your response to me. One last question. I have a tracker. Is this something that they can take from us?

Thanks for that Brendan. So basically the 6month period the bank are getting us to sign (it was with a view to the permanent rrstuctrest being put in place once 6 months were up) is all we get. If the bank were willing to put this agreement in place after 6 months what are the chances of Start...

First time poster but hoping I get more answers here than I did with the bank. Have arrears on mortgage. Have been in treatments with the bank. Last treatment ended in June. Was in position to pay repayments in full and a little extra. Call last week saying they are happy with this. Called today...