Hi. this is my first post.... I am looking for some advice: We bought our first home in 2008 and ran into difficulty and €20,000 areas before reaching a re-structured deal with PTSB Three years on we have an new agreement with PTSB based on a recent completed SFS, this came into effect on 19th November 2018, we committed to increasing our payments by around €120 pcm. This includes a split mortgage which has been in place and serviced for three years to their satisfaction. We would argue that as we have and have had a re-structured agreement with PTSB we are a performing mortgage. We received one letter only stating the mortgage was (to simplify) sold to Pepper vulture fund early December 2018. Our mortgage is €160,000 Our warehouse account is €110,000 (the €20,000 areas are included in the warehouse account). Total owed €270,000 For arguement sake we are speculating the Pepper vulture Fund payed €113,400 (42%) We are offering an additional 15% = Our theoretical offer is €130,410 for the house and get it off their books. (For arguement sake lets assume this is market value in this case). If we could raise this capital in full, is there a route for an individual (consumer) to deal with PTSB/Pepper and get a write-down and settle? Look forward to hearing back, Cheers The 42% is based on this: LONDON, Dec 6 (Reuters) - U.S. private equity firm Apollo has bought a portfolio of Irish home loans from Britain’s Lloyds Banking Group for 257 million pounds ($419.4 million), less than half their nominal value. Lloyds, which has lost billions of pounds in Ireland since the financial crisis and is one-third owned by the UK government, said on Friday the non-performing loans had a nominal value of 610 million pounds. They were sold at a 58 percent discount to that value.