Hi, I’m a single mum, living in a house bought with my ex (never married) He moved out over 3 years. (Not contributing) The bank are treating me as a single borrow now.They have offered me a deal but I was advised by mabs not to sign it. I’m looking for advice on a pip is that a good idea. I have sent many emails to mortgage holders.ie, they only replied today to say they require more information, but now Iv missed my deadline date (08th Dec) to sign with PTSB. I have been in contact with them asking for an extension on the offer but got a letter today to say the offer has been canx. As of Dec monthly payments will be 1400.00 New restructure agreement Part capital 346 x Eur 941.86. There are arrears on the mortgage of 68,790.25. When I finish paying my mortgage at 71 the arrears of unpaid capital due at maturity will be 245,330.00 Total payment 572,158.21 Overall mortgage bank owed 203,992.64 Cost of credit 113,660.18 (Value of house at the mo 240,000) I am paying 1030.00 a month but not covering the life ass of 78.00. Old mortgage agreement 293 x 1324.53 388,380.29 Arrears 68,790.25 Overall mortgage bal owed 368,165.00 Cost of credit 90,332.46 I can only afford 500 a month and I rent a room for 520.00. If the dad keeps up child maintenance (been getting it 3 months now) I could afford to pay 1250 /1300.00 but that’s a big if.