Calta 95,
Firstly, have you entered into a contract with Tanager Ltd.
Tanager Ltd is unregulated by the Central Bank of Ireland. Your loan agreement was originally with Bank Of Scotland, a regulated entity, so in essence the consumer protections afforded to you when you entered the original loan agreement have been changed without your permission; this is because you no longer have the protections of the Code of Conduct on Mortgage Arrears, the M.A.R.P.S process, various central bank codes, and indeed, redress to the Financial Services Ombudsman. One may be able to argue that you would never have originally entered into such an important legal contract with an unregulated entity, such as Tanager. One would do well to also look at S.I 27/1995 unfair terms in consumer contact regulations and in particular to schedule 3(p).
Reply to this thread and I will advise you as best I can.