I am a small investor with three RIP's. One in full repayments and two in a reduced capital but full Interest repayment in place. They are tracker mortgages. My last contact with Ulster Bank said they would review my situation in Jan 2019 but next thing is that I receive notice that all three have been handed over to the VF. I am not in any arrears and always communicated and met with Ulster Bank and their payment restructuring. The RIP's have been in 100% occupancy for over eight years. The rent will not meet the mortgage repayments unless they are pushed out for the next 18 eighteen years. I retire in 11 years(will be 68). I am happy to get out and sell the properties. They are all in negative equity. There are no cross guaranties against the family home, Pension, Investments etc. How to I go about this situation. Under current market values: Amount owed = 755K Property Value = circa 550K Please advise best option and the process to expect. How to negotiate? I am not a negotiator. Guess the VF reads this forum too!!