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Our solicitor is quite frankly, flabbergasted by their behaviour. They do appear to be a law onto themselves. It would also seem quite apparent that there are very few professionals or otherwise who actually know what the rights and obligations for parties are at this stage of the proceedings...

I will stop trying to be emotionally involved with the forced sale of our family home in future. In fact I think I would be better off not posting here full stop. But I will answer this last post. Thank you to those who messaged me privately and we really appreciate the good advice we received...

So this is what I actually need advice on. 1. Are we still under MARP? We received a letter from VF to say mortgage unsustainable some time ago. We then made two offers to them which they declined but refused to give in writing. Last offer of €150k, we got a verbal ok for consent of sale a...

Yes we would be eligible for bankruptcy but we wanted to avoid it which is why we have allowed this go on for two years longer than it needed to. The VF gave us the impression a deal would be done on the shortfall all the way through. Now they are reneging on that. The original lender had also...

We accept the house is gone but I disagree-other things do matter while we still technically own the house for reasons explained above-we want to achieve best price possible to limit our shortfall. I am well aware that we will have a shortfall whatever happens here. But surely there has to be...

Apologies, I didn't make myself clear. We are not selling the house to family-it is a couple we do not know who have made an offer. When we got original offer of €140k the VF declined and the SPV said it was because valuation was for €150k and if we got €150k they would probably take it. So...

We moved out some time ago when original bank had consented to sale and a rented house became available that we could afford. It was then discovered that the house had serious structural issues and roof could collapse st any time so we could not move back in and sale fell through. With help...

Hi guys, I'm trying to work out what our options are and looking for opinion from anyone with experience. Long story short, family home in serious arrears, no income coming in, have accepted we have lost the house. Bank sold mortgage to vulture fund and we are dealing with their SPV. There is...