Hi, hoping someone can give some advice. We have a BTL property that was recently sold from ulsterbank to a vulture fund. We have been paying the full mortgage on this for the last few years without problems but there is arrears of €3400 on it from a few years ago. My husband has contacted the vulture fund and asked if we could pay the arrears back in installments an continue to pay the full repayments back also. They have said no and that they expect it to be paid in full or they will repossess the house. Can they do this for such a small amount when we are trying to engage and if so how long would it take before it went to court (meaning we could have it paid back in a few months). Or would a judge allow them repossess it instead of engaging.