No problem Trickybusiness. Sometimes it's possible that 1 of the 2 people take out a PIA but both incomes are taken into consideration as 1 income wouldn't be enough. You could try that.
I think 1 year is more likely if you have a lump sum, if not then it's likely to be a longer period of time...
I knew virtually nothing about PIA's but have picked up a good bit about the whole process recently .
Ask if you've any questions and I'll try to help.
Looking into getting one myself
After doing some research and to answer my own question I see a person can appeal through the courts if their creditor(s) don't agree. Anyone have experience of appealing please?
The PIP seems to make sense in some cases alright but the fact that your creditor(s) can vote against it isn't ideal and is there any appeal mechanism if they do please?
Best of luck with it Mario. At least you have decent equity. Might be no harm to have somebody with you for the phone meeting, a financial adviser, solicitor, a trusted family member or friend.
Got a letter from KBC recently to say my mortgage is being sold to Goldman Sachs and managed by Pepper.
Buy to let property rented out, was paying interest plus a small portion of capital, no arrears, costing me money every month so would be happy to sell it if they would write off the residual...
Phoned p tsb and I'm not one of those affected thankfully. I'm in a tracker dispute, maybe that was a factor, I must admit it caused me some worry and not to say am out of the woods yet, best of luck to all involved.