Hi ellenb, can you tell me where you secured the loan of €140K? I too am in difficulty. To cut a long story short, we bought a house in 2003 just outside of the City. In 2007 we decided to move back to the City as the commute etc was putting a serious strain on mine and my partner's relationship. We tried to sell this property for one year but it would not sell so we rented it out. We approached BOS and they gave us a loan for the new house (our other mortgage was with a different bank). We bought at the height of house prices in 2007. Unfortunately our relationship split up and he moved out. We found ourselves in financial difficulty with a huge mortgage. In 2010 we got a year moritorium in total. We made a payment in 2011 but none since then. In 2012 we offered them a monthly figure of €500. They asked us to restructure all loans which we did. They refused the €500. So I have saved this €500 every month into an account for them and asked the Ombudsman to review the situation. Certus cancelled two meetings with my solicitor. Eventually they met and we offered €800. Recently we met with them again and were informed that the interest only option is €550!! We can definetely pay that. So I lodged €600 into their account. However now the loan is getting transferred to Tanager this month. The current investigation with the Ombudsman is still ongoing but they have no rights to deal with Tanager. I am now in a position to pay more than €800 a month as my restructured loans are nearly paid off, and definetly do not want to lose my home. I am seriously stressed about it, and am on calming tablets. I know I am far from the only one dealing with this situation. I have been advised to try and seek some lending institution to give me a loan to pay Tanager, which I would need about €300,000, but I doubt any bank will go near me with my record. I still have the other house which is on an interest only option and we make no real profit from the tenant. I think we will voluntary surrender this house, that has been the legal advice anyway as it is in serious negative equity, as is the house I am in now. I am in a full time, permanent, pensionable job and am 36 years of age. Is there any hope for me to keep this house and come to a deal with Tanager? Maybe they will let me pay them over so many years? I am desperate here for some clarity? Can anyone advise me?