Hi. Tanager has issued me with a letter saying that after my SFS, they deem that I am unable to pay my arrears of €30,000. They can offer no alternative repayment arrangement at this time and will be instructing their solicitor in obtaining a recovery date. My mortgage is €190,000. For over the last two years I have been paying my mortgage plus €300 a month at a total of €1100 a month. This was the arrangement I made two years ago with them after I got back to work and was able to make my payments. Tanager has also offered me a discount which I will take up if I can find a lender to take on my mortgage. I haven't heard if there are lenders who would consider this. If I did get a new lender, I would finally be out of the red. I am at my wits end with all this and would be great full if anyone can offer me some advice. Thank you.