Hi all. I'm looking for advice. We currently have a mortgage with a surprise lender on the family home. We have negotiated a potentially large write down. Mortgage is currently €360,000 and they seem willing and keen to accept €100,000.(house value now at €160,000 but location very poor hence a slow sell). The only bad score on my credit rating as of last week is on the mortgage where 24 scores of 9 are recorded(€1,000 a month being paid for several years but should be around €2,100/month). Has anybody any advice on where to go for the money as the banks have zero interest in doing anything based on the credit score. Any help and advice greatly appreciated.