Hi Lollipop
I think it would be a great idea if people gave the full story about their loss of ownership. I see that you are getting debt written off. I know of another case where the shortfall is not being written off. From the brief knowledge I have of the case, it should be written off.
Could you provide the following information
Family home or Investment
Amount borrowed
What tracker rate would you have been entitled to?
Amount due when surrendered
Price sold for
Shortfall
Sold by you or by permanent tsb
Why did you surrender it? At their request or did you just abandon it?
How much did you actually pay in the year before surrender?
Compensation offered?
You have a year to appeal. So I think you should wait to see how others get on.
Brendan