Fair play to you for engaging and continuing to pay the loans.
You owe €13,500 to BoI and are paying €32 per month
You owe €9,500 to GE Money and are paying €25 per month
So you owe €23,000. If the interest rate is 5%, then that is about €1,000 a year.
You are not even paying the interest.
If MABS did an agreement with them that they would stop charging interest, you are paying €700 a year off the capital, so you won't have paid off the loan for 33 years.
So it all depends on what MABS agreed with them. Did MABS not write to you telling you what agreement they had reached?
I presume that you can now pay your mortgage and this reduced payment and that you are in positive equity?
If not, it's possible that you might be able to do a Personal Insolvency Arrangement to get the debts written down. But it does not sound as if you would qualify.
1) Check what deal MABS did.
2) Talk to MABS again to see if you would be able to do a PIA to sort out the debt.
If you can borrow family money to settle the €23k debts for say a one off payment of €10k, they might go for it. But your credit record will remain impaired for 5 years after you clear the debt.
Brendan