due to there only being one income in the house and having no savings it is a bit of a problem.
Problem is the arrears are now nearly €16,000.
They unwittingly extended your interest-only period by 18 months. Why did you not pick up this error yourself?
Hi whyme
These should not be appearing anywhere as arrears. I presume you are using the expression "arrears" loosely. You are not in arrears and you must make sure that UB don't classify you as being in arrears as it would affect your credit rating.
They will not, and should not, write off the €16k.
Thank You Brendan and Bronte for your reply's
No, we cannot pay the C&I. We can just about make the interest.
From my chat yesterday with the bank which i stated in an earlier post was very informative they seem open to hearing another option which suits the individual.
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