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The big question I have I relation to a voluntary surrender is the future implications- I am only starting out in life and do not want to destroy my ability to borrow in the future. How badly would a voluntary surrender affect this

I hope I have done this post correctly- I posted a thread (see quoted below) a few months back, and well there have been some developments and I was hoping for advice on best option to choose, below are the standard financial details. In short after long and difficult negotiations with BOSI...

Ok thanks would you recommend that for both. The tax money I could have in thirty day notice account as I will know when I need it

From reading other posts I gather prize bonds not really much use.

The savings I need to have ready access to so cannot lock it in but would like to make it do something as it is just sitting in current account

I have read the savings best buys key post, but being significantly financially unsavy, I would value some individual advice! I will be putting 3000 euro away each month to service my tax bill and am wondering what would be the best account to facilitate this? State savings?? Also I have about...

Cryptic? What am I looking for?

I have had written replies from both BOSI and Certus but that is probably because I am constantly writing to then! My salary is 85k and partnership is a work in over 3 years so jump in salary small enough 1st year.

I have repeatedly tried to pass on his contact details to BOSI but they won't accept his new address unless he puts it in writing himself!?! Which of course he won't. Consequently they keep sending all his mail to the apt here, very frustrating

Brendan, Thank you so much for your advice, your assumptions are all correct, and bankruptcy is a no no. I will take a look at your key post and am in the process of writing a proposal to BOSI, I am not hopeful but think it is worth a shot. I am not trying to shirk repayment but simply trying...

All details re loan etc as suggested by B Burgess Personal and income details Income self: I am currently PAYE but am on the brink of signing a partnership Income history: I have been working continuously since graduation in 2005 Income partner/spouse: part time civil servant and student...

Thank you for your replies. My ex is no longer in Ireland and is out of jurisdiction. He hasn't contributed anything to the mortgage in over 18 months. I was given 100% mortgage on 500k in 2005 by BOI. In about 2007 this was moved to BOSI and a student loan of 20k was rolled in, so the balance...

How do I copy this form into a new post, it is clear my initial post did not have enough information.

I am looking for some advice, I have already sought professional legal and financial advice however I seem to be going around in circles! The synopsis of my situation is; In 2005 I was given 100% mortgage of 500k for an apartment with my then fiancé. In 2008 the relationship ended at much the...