Bijou, Up to now the banks Ostrich like ,have at best moved the mortgage problem out a few months by permitting interest only etc...
The MARP is useful were the customer , such as yourself , is co-operating.
I would think that anyone who does not make an effort to find a workable solution , would and indeed should have repossession as a REAL posibility.
SUGGEST; Keep working with AIB as they are lockedinto this ongoing resolution pocesses, but AT NO time fully trust what they say, as history tells us they can,t be trusted.