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Hi, happy to offer advice from our situation. I've just logged in here after some time, apologies for the late reply.

Happy to offer our experience..we entered a PIA in 2020 for 12 months. Had our mortgage with a vulture fund and due to increasing variable rates we applied for a switch and were accepted by Bank Of Ireland in 2023. Also a separate credit union home improvement loan. Plenty of hope !

Hi everyone, I was going to start a new thread but thought it would be best to update this one. We have secured a loan offer to switch our mortgage to Bank of Ireland !!! Honestly cant describe the relief. Its been a long road, we fell into arrears during the recession(2010)..paid interest...

No it wasnt. I asked and we were led to believe the only interest rate available was variable. It didnt make sense to me..even then I worried about interest rate hikes. We really believed the PIA was a lifeline for us but we are now as stressed as we were before it. I've made contact with a...

Hi All, I have posted here in the past regarding our mortgage situation.Trying to keep this brief..We took out a PTSB mortgage in 2005, in the recession we fell into arrears and after a very worrying 10 years or so we thankfully received a PIA in 2020. There wasnt a write down but extended the...

Thanks for the replies above. No split mortgage. And im also pretty sure there was no claw back..i did ask if we could change providers when our then credit rating improved and I was never advised of any claw back. As mentioned above I will discuss it with a broker. Thank you

Hi all, After a very stressful time we secured a successful PIA 2 years ago. It was for 12 months and we are now a further 12 months post PIA. Our mortgage was sold off by PTSB pre PIA and our mortgage is now with Start Mortgages at 3% variable rate. With the current discussion around fixing...

Hi, We fell into arrears on our mortgage due to a period of unemployment. We had a PiP involved and a PIA was discussed but long story short to get our mortgage back on track we stretched ourselves to afford a trial repayment proposed by PTSB last year with the promise it would be extended to a...

We have had constant engagement with the bank and have paid full interest on our bill for last 5 yrs. PTSB have been slow to engage with us of late despite us pushing to resolve this situation..im guessing its because selling us off was in the pipeline? At my wits end with all this,dont know...

There is one of these letters on the way to us i was told on the phone today by PTSB. We were in negotiations with PTSB regarding a capitalisation and term extension What does this mean for us ?

Thanks,i appreciate the reply. The Pip has mentioned a PIA but hasnt really explained whats involved. I would just be afraid if we went down that road we could lose our home:-( So worried. Anyone any experience of PIA-doesnt seem to be much online.

Thanks for reply,my first post was deleted i presumed because it was too specific? I dont know. We are both mid 30s and an approx figure is about 350k incl arrears. We were only 5 yrs into the term when unemployment hit. They propose 10 more years so i think we would be about 63yrs. Im so...

Long story short we regretably fell into arrears on our mortgage due to unemployment. Both back working and keen to get our mortgage account back on track. We've paid €1000 pm since our return to full employment 5 yrs ago but in negative equity.Bank proposes capitalisation and term extension of...

Long time lurker on here,first time to post. Everyone here is so knowledgable,hoping u could advise me.. I think myself and my husband received the worst financial advise re mortgages.. We took out our mortgage in 2005 and received the offers through a broker. We at the time had a two yr old...