I think the only way they are going to accept a proposal is if you prove to them you cant pay the extra. To do this you will need to contact one of their mortgage advisors https://personal.aib.ie/content/dam...loans/mortgage-arrears-resolution-process.pdf "This process aims to engage with, support and find resolution for our mortgage customers who are in arrears, or are at risk of going into arrears."
Explain to them that you wont be able to pay fully in January and could they outline the options available to you. It will involve you providing a Standard financial statement etc.
I'm frustrated as I have experience of dealing with another state-owned Bank who is happy to accept a similar proposal with no negative conditions attached.
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