Is my pension safe
I recently was advised to move my pension into a retirement bond as I am going through a PIA at the moment, I am wondering is it safe or can it be taken? Thanks in advance
View ArticleI can't afford PiA what are my options?
I picked the first PIP on the list I got from mabs and to be honest from day 1 it's been a disaster, he asked me could I get 3,000euro together to offer my creditors and with my mere invalidity pension...
View ArticleWill official assignee take our car after bankruptcy declariation?
Hi all, Just looking for some advice here. The only car we have is registered to my wife and has received an official valuation from a local SIMI dealership to be worth circa €6,000. It is a mid-2011...
View ArticlePost-discharge ICB Report
Hi all, It's been a while since i posted here. I went bankrupt in the UK and was discharged in April of this year. I requested an Irish Credit Bureau report to check that my creditors weren't still...
View ArticleHow exactly does the "clawback" in a PIA work?
Hi If as part of a PIA I have unsecured debt wiped by the bank and e.g. subsequently sell my PPR in 10 years time, can the bank demand the extra equity realised in the sale? Even if there had been no...
View ArticleHigh Court ruling that a family can stay in their family home
The High Court gave an important decision yesterday that demonstrated the power of PIA's in keeping people in their family homes. See link below:...
View ArticleWhat is the Bank waiting for?
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...
View ArticleWhy is the EBS not chasing the mortgage shortfall?
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...
View ArticleBankruptcy Over - Need to get a mortgage ASAP
Folks, we are a couple in our mid 50s just exiting Bankruptcy. We are currently renting a nice 3 bed house in South Dublin, and have 2 house mates. The rent we are paying would comfortably pay a €400K...
View ArticleLetter of court proceedings other party to mortgage in the process of going...
Hi, Just want to see advice in how to proceed with the situation I currently find myself in, just wondering how this will play out and has anybody got similar experiences. My partner bought a house 10...
View ArticlePersonal Insolvency Act or Bank agreement
Who can advice me? My income: Salary €2100 mth Maintenance €400 Child benefit €130 Rental income €500 Total 3130 Arrears in house €80000 Mortgage outstanding €203000 House value? Maybe €250.000 maybe...
View ArticleWill the Mediation Act 2017 prevent house repossessions?
The Mediation Act 2017 ("the Act") has now been passed into law. Section 16 (1) states that: 16. (1) A court may, on the application of a party involved in proceedings, or of its own motion where it...
View ArticleICB Report
Can someone please advise on what I can do going forward with my ICB report. I entered bankruptcy on the 26th June 2016 and exited on the 26th June 2017. I have gone for loans in my bank in college...
View ArticlePTSB reaction to bankruptcy.
Hi everyone. Due to a vulture fund applying pressure, I was forced into bankruptcy today. Does anyone know what attitude PTSB typically takes in the following situation? Family home in negative equity...
View ArticleContact from Bank after Bankruptcy
Hi, myself and my husband declared bankrupt nearly 2 years ago but last week we both got a text from the bank . Hi ...... , we recently sent you a letter. To discuss this opportunity please call...
View ArticleBank holding social welfare payment after declaration.
Got a very strange one. I was declared bankrupt in the High Court last Monday. On Thursday, my AIB current account got frozen with no withdrawals allowed. However, on Thursday morning, SOCIAL WELFARE...
View ArticleCredit Rating
if someone has a bad credit rating as a result of a marital breakup, can they get a loan if they have say 100k?
View ArticleOne way of dealing with a Judgment Mortage on a family home
If you have an unpaid judgement mortgage ('JM') on your family home that pre-dates 1 January 2015 then, depending on your financial circumstances, you may be able to use that JM to prove eligibility...
View ArticleISI Guidelines on surplus income
One of the reasons we were removed from the protection of MARP was because our lender says we have very little income left over after we pay our liabilities and utilities. Could you please clarify what...
View ArticleWalked away from mortgage 3 years ago and want to work in the UK
Hi, I walked away from an Irish mortgage 3 years ago and went to Canada. That turned out well and I'm in the process of getting my residency there. While I'm waiting on my residency there I'm unable to...
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