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Thanks to everyone for all the replies. A few people have thrown around the morality card which is a sore subject with me. Where is the morals of our Government who continue to cut, slash and steal from the very pockets of every citizen of this state? Where are your morals if you want to...

Hi Claire, no the split mortgage is not based on SFS and reasonable living expenses it is based on the figure the bank is desired to accept. That is why I am unable to meet my payment. I have offered them all of what I can afford according to my SFS and this has been turned down. I offered...

Hi Cremeegg, I completely agree with your post. Without a doubt the consequences will be the same for me whether I pay what I have now or pay nothing at all. The bank have flat out refused my offer of payment to stay in the property. I presume I am going to be landed with the legal bills...

Hi Brendan, Re-reading what I wrote looks juvenile but I have been told that they are going for repossession shortly anyway so I don't feel inclined to pay anything to them at all. My quality of life is practically nil anyway. I know what I have just said is annoying to some people but...

Hi Brendan I stopped paying the mortgage all together because what I was paying them was not enough. I am also trying to gather up money in case I need to rent. The offer is in keeping with the values in the area. Auctioneer found the buyer and have recommended the offer should be accepted.

Thank you Gerry. Should I take on the full NE loan or would it be cheeky on my part to ask for a part write down of the NE portion or do I simply keep my mouth shut and accept the NE loan so the bank releases deeds to perspective buyer? They have offered me the option of a split mortgage but I...

The story could be plausible but it sounds similar to a story I heard last year about a guy who was given the run around by estate agent; similar to that of the OP; only to discover the EA and occupiers were in cahoots. Their game was to prove that the property was up for sale whilst...

Hi I have a cash buyer who is interested in purchasing my heavily indebted home. NE €200,000.00 plus some. I am anxious for the bank to accept the offer as I do not see a stampede of people knocking my door down to purchase. I have now ceased mortgage payments to the bank (yes I know...

This is a very long winded process. I am currently trying to sell an investment property and the bank are not budging because of how little I have been offered. They are convinced the property is worth more. Every auctioneer I have contacted has told me I have two hopes of selling, Bob Hope...

The only hysteric here is the fact that banking institutions (businesses), are allowed to threaten the very democracy of this country because they are upset by a couple of loopholes in the law. Big deal is what I say. Let them suck it up, they're running a business not a charity. The banks...

You can say that again. One particular solicitor balked at the idea of taking on my mortgage case i.e asking the bank for a write down. This was the very same solicitor who was there with me when I purchased my home. Most have now ran for cover! A lot of accountants have gone into hiding too.

Interesting concept . . . But Why would the banks sell the bad debts to Occupy NY for a couple of cent on the dollar when it would be more feasible to sell the the distressed property and get money bank that way? Or is this charity based solely around forgiving unsecured debts? Are people...

Hi Callybags No, there was no mention of paying me in any other form. The only promise I have is a wishy-washy verbal undertaking that the Revenue may or may not unfreeze their account. I phoned their head office this afternoon and was told by the receptionist that there is other...

Absolutely Vandriver. The company has money to meet my debt but but their accounts have been frozen. This is like asking how long a piece of string - but how long does a Revenue investigation last?

Hi guys, I need some urgent advice please, if you could spare some time to answer my questions. I am a trades person, self employed sole-trader. As you can gather work has been very scarce of late but I have been lucky, or so I thought, that I've had one construction company that hires my...

They sent me out a declaration declaring that I do not possess a TV, which I had to sign. Hopefully this will be the end of the letter writing and I will hear no more.

I'll probably be slapped down for saying this but I don't think your child should have been permitted into the school if she was not going to partake in its teachings. When mine were younger they attended the local COI school. There was constant tension from non believers who thought their...

I no longer have television in my home due to financial difficulties. I could not afford the TV Licence nor could I afford to keep a TV channel package. I keep getting final demand letters about the licence. Any idea please what the procedure is to 'prove' I don't have a TV when the licence...

Why send her to a Catholic School?

I saw those photos yesterday in one of the newspapers. It made me feel uneasy for some reason. Off topic but the tattoo on top of her arm was also rank. Such cheap. tacky and attention seeking photos.