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I feel we were hard done by and was going to appeal on the grounds that we were going through a bad financial time...job loss. We always paid interest only under agreement with the bank and we were offered and took a split mortgage which has added 8 years on to our mortgage and a lump sum...

I had engaged a soliciter to look into this for us last year. The had sent all my info to an accutry to assess....the accutry had briefly looked over it but has said there are not enough cases of this sort with an outcome. To look into it in more detail it will cost €1000...not sure what step to...

Well had the house valued and have been told it would go on the market for 150/160, so not in positive equity as previously though!!! I was told the terms of the first split over the phone so I never had any paperwork, can I still challenge them to have the original split back?

Well here I am again....we have got our offer of a split from AIB the terms are a little different than I had thought they would be: We owe 186,000 with 240 months left to pay, payment should be 1172 4.4% svr The offer: base loan 167,000 for 342 months payment 857 interest rate 4.4% svr...

Well we have met the repayments and can do so going foward so fingers crossed that is what we will be offered....tks Brendan I lurk on here a lot and you do a great job...fair play to you.

Tks Brendan, have just logged on and sent them a message. What in your opinion do you think we will be offered?

Also I should be in a position to gain employment in July and my husband will be finished re-training by the end of this year so we are on the right track, just need to get there!

Well here we are 7 months down the road, we managed to pay the 860e for the last 6 months and our new sfs is gone in, nothing has changed in the financial dept except I have re-negotiated one of the loans of the credit union and freed up an extra 104e to put towards the 860e for the mortgage. I...

Thank you both for your input, we are going to take the current offer from AIB and see how we manage, as you have pointed out Brendan things will hopefully get better when we are both retrained and hopefully gain employment, we can only do our best to be positive and hope for the best.

Also Brendan, what if interest rates increase again will it affect our agreement?

Brendan, We are thinking we are in positive equity, we are going to have a valuation done to see, my doubts are, are we going to kill ourselves for the nxt 21years trying to pay this mortgage and have no quality of life, should we sell up and rent and not have to pay property tax, house...

Personal and income details: 1868 Income history:[/B] Unemployed since 2009, currently retraining. Spouse Income: Nil, hoping to retrain in September. Kids: 2 Lender: AIB Mortgage interest Supp: 396 Amount outstanding:189,500 Value of home: Hoping 210,000 [Update April 2014 - Valued at...