Negative equity residential investment property in arrears had receiver appointed by BOS in 2012. Apparently sold at Allsops December 2012 auction but that sale may have fallen through. Property Price Register records sale closed in September 2013. BOS stated they had agreed terms of the mortgage loan transfer to Tanager on 5th December 2013 and that all relevant details relating to the mortgage were being transferred to Tanager. In late 2014 Tanager phoned suggesting they would take possession of the property if I didn't pay up/start paying. The caller was surprised when I told her the property had been sold before Tanager bought the loan. I was told in that case I didn't owe anything! However after a few minutes speaking with her supervisor the lady told me that I owed €134k, being the residual debt. Q: BOS stated that the transfer of "the mortgage loan agreement" was permitted under the terms of my mortgage, but does this permission extend to selling the unsecured residual debt to Tanager? It seems Tanager thought they had the property included. We had 5 such BOSI properties at the Allsop auction, but only one loan was sold to Tanager. BOS recently wrote to say they have written off the other 4 residual debts and that we owe nothing. If there was an angle to challenge the transfer, apart from the usual BOSI and BOS issue, we would likely have the current debt written off too! Any ideas would be most welcome.