My family and I currently live abroad with no intention to return to Ireland in the near future. In long term mortgage arrears with the Bank (EBS) since 2013 and was renting out the property while working on a resolution. PIA rejected in 2015 with voluntary surrender as the only remaining option. Keys were returned and tenant removed at the Banks instruction. Almost 2 years later, the property is still vacant and the Bank have made no attempt to actively engage with me or sell the property. In recent months, they have ceased communications altogether. Since the process started, my wife and I have started a family (one child with two on the way!) and are surviving on a single income. Any guidance on whether a resolution is achievable at this point and how I could go about it? I also wonder what EBS are waiting for and whether they are in a holding pattern with this plan to offload impaired loans in the near future?