Thanks Brendan. No. I owed 57,837.77 which i am liable for though am indemnified against by ex husband. Mortgage is in my name but property is his and HE requested permission from the bank to sell it in negative equity.
The letter is titled Confirmation of Capital Payment - Payment Reduction.
It says there was a partial redemption of €170,530.42 made to the the account. Reduced monthly payment to 335.90 from €433. It was dated 29 September. Yet I got another offer letter they wanted me to sign dated 30 September for 433 a month.
I am struggling to make head nor tail of it - I'm swimming in a sea of errors by the bank
They also calculated my affordability based on an average income from that YTD - surely this is totally incorrect? They had my monthly payslips but didn't use these. The YTD figure was significantly higher due to change in job, one off bonus payment and accrued annual holidays and not representative of monthly income.
Are there any really good no win no fee solicitors that you would suggest?
Sorry that money owing is a residual negative equity debt and I have paid nothing off it