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  1. L

    Case study Ulster Bank not contactable so I went into arrears

    Newtothis, never a truer word said, anyone who has NOT engaged with banks in the MARPS process have absolutely NO idea, people need to wake up to spin, it's called spin for a reason, I'm sick of reading comments from people who have very righteous opinions and seem very naïve about the MARPS...
  2. L

    Case study Ulster Bank not contactable so I went into arrears

    Hi there new tothis, may I was what discount they offered on the outstanding mortgage if you clear it ( meaning getting refinance in my case) If I get my credit clear I may refinance for her, or she has another property we are desperate trying to sell to raise cash in case that happens but it...
  3. L

    Case study Ulster Bank not contactable so I went into arrears

    Brendan I'm reply to another person's comment that asked where I'm getting the information on that more people are not in arrears before entering the MARPS process. this is what I've been told by professionals in the business that I'm dealing with on this. Most of their cases are people pre...
  4. L

    Case study Ulster Bank not contactable so I went into arrears

    I was referring to in the MARPS process UB are putting people in arrears due to their timelines on entering into arrangements with people. When you enter the MARPS process pre arrears, the bank put you in a queue for a call back, you are told to pay a x amount each month. While they take their...
  5. L

    Case study Ulster Bank not contactable so I went into arrears

    Brendan It's my sisters family home and my name is on the mortgage; So I am on the hook for the balance over 250 K. I have my own mortgage family home and others in addition to this. I had a perfect credit rating, am self employed. Having me pay her full mortgage on a house I'm not...
  6. L

    Case study Ulster Bank not contactable so I went into arrears

    Demographics have been shared from my solicitor and other agencies I have been in touch with over the past year that are dealing with this first hand as their job Most people are responsible and put their hands up prior to not being able to pay thus entering the MARPS process.
  7. L

    Case study Ulster Bank not contactable so I went into arrears

    UB are telling lies, playing with the truth and use a good PR SPIN to say what the " borrowor " is, most of it is arrears caused by their processes while you are paying the monthly payment that they have advised you to. they then sell your mortgage, throw you to the wolves and wash their hands...
  8. L

    Case study Ulster Bank not contactable so I went into arrears

    Yes there are cases it's called being put in arrears by the bank while in the MARPS process, go through the court records and look at the lists. Evictions will happen as the vulture funds are in for the kill 3 - 5 years. they are not interested in your keeping your family home for you, they...
  9. L

    Case study Ulster Bank not contactable so I went into arrears

    agreed AlbacoreA there is a lot of ambiguity and it is the right to question the banks process at every turn. People can be do righteous in comments and opinions but have never actually been in the MARPS process or have had a mortgage sold because of arrears. Vulture funds are not banks...
  10. L

    Case study Ulster Bank not contactable so I went into arrears

    The main issue now with Ulster bank is that I feel these numbers are being created and driven by Ulster bank driving people into arrears in the MARPS process. Then they just get rid of the loans, my sisters mortgage has been sold to Cerebus my name is also on this mortgage In the MARPS process...
  11. L

    Discharge from a mortgage on a property I don’t own

    I'm in the same situation, you will NEVER get your name off the mortgage if the other party cannot get full mortgage approval in their own right. if the mortgage is in arrears and in neg equity she needs to go legal, if can't afford it go to Irish Mortgage Holder association or New Beginnings...
  12. L

    Life BOI Life "whole of life" insurance - worth it?

    Hi LD I did challenge it and was told is I proceed with it, that their medical team could load higher than that, there's no rules on these insurance companies, I even asked my solicitor on it as I was that concerned over the loading ruling....my doctor told me he hears of this all the time...
  13. L

    Life BOI Life "whole of life" insurance - worth it?

    Check your options for other new policies prior to cancelling the DD or the policy, I recently applied for life cover ( decreasing ) and because I had an MRI ( I'm healthy and there was nothing wrong, ) they loaded me by 100% + on the policy quote, jumped from, 60 euro to 189!!!! you will never...
  14. L

    Third Mortgage?

    I'm really interested to know how you got on with Ulster bank. I'm in situation that I'm trying to re locate to Dublin and want to know if I can get a Forth mortgage or else I'll have to rent. If anyone can advise me? Three current properties 1. Current home, Value approx. 220 K, owe 90 K...
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