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Apologies. If we refinance through a third party they will do a write off. Look, I have been clear, all of my information is there, I just read through my posts, this is ongoing so I am trying to be a little opaque. Is this meant to be funny, I'm obviously able to give the bank the full details.

It seems that we can't even get 2. We are staying in our PPR though. Are you saying that the VF might roll everything together as one loan and write off the residual debt owing on the BTL? That would be most helpful. I must say that I love our wealthy and generous families...

A) Correct. B) Correct No. It would leave us with €100k owing to a family member and a €340k mortgage. We want to be shot of the VF. Rate is 5%.

Nail on the head - apologies, I don't want to give too much detail. Is there a strategy that will get them to deal with these two separate loans, one secured one not, as two separate loans?

I would like to be able to deal with both the residual loan and the Family home loan separately, I feel that I am being forced to do them together. What is being offered is a substantial write down if we do all of the loans in one refinance. we can't get this financed. I am wondering if there is...

Haven't given up but we've been down this path a few times before so I'm seeing what other options might be.

Yes. I want to extract myself from this position to ensure that I am left in the best position financially. I thought that this forum was where I would get advice. I don't need to be judged, I have done that myself for the last 10 years. They are offering an amount to fully buy out our total...

The write off obviously leaves us in a better position but the banks won't loan us the money to both remortgage and pay down the residual debt. We are being told that it is just bank policy. So when the fund wrote to us telling us they were about to get a judgement on the residual debt we...

Fund is offering a write off - Can't get refinance from any banks. When I say whole amount, we tried to offer something on the residual (unsecured) because they are going to get a judgement against us but the fund only want the whole lot gone.

I'm not disputing that we handled it badly - it was a torrid time! Our income dropped by over 50% and we were trying to keep the wheels on, which we did, just about. However if we were with an Irish bank we wouldn't be in this position. The equity in our home is eaten up by the loss and fees etc...

And that's it? We can't be the only ones in this predicament, we engaged from the beginning, have done our MARP, capitalised our arrears and missed one payment in the last 6/7 years and that's it? Stuck to be paying 60% over the odds interest to a VF that doesn't want us.

The Vulture fund have offered us an amount to clear everything . Both loans are with them. Regarding the arrears, we naively thought that due to the potential LTV that we could refinance easily. The lender seems to be quite happy with how this loan is performing.

Income details Net monthly €3,500 - PAYE salary Net monthly income partner/spouse: €4,000 PAYE Salary Amount of child benefit received €420 Amount of Mortgage Interest Supplement received Nil Personal circumstances so we can calculate your reasonable living expenses Two adult family Do you...