Move back into the house after bankruptcy?
Hi , myself & husband declared bankrupt in 2016 and discharged in 2017. I recently requested a copy of my credit report and it stills shows the mortgage. When I rang the bank I was told how much...
View ArticleLooking for advice on pip.
Hi, I’m a single mum, living in a house bought with my ex (never married) He moved out over 3 years. (Not contributing) The bank are treating me as a single borrow now.They have offered me a deal but I...
View ArticleGetting a mortgage post bankruptcy
I really need advice on applying for a mortgage post bankruptcy. I was declared bankrupt on April 2015 . I was discharged from bankruptcy July 2016 (the bankruptcy came about due to buying a 1 bed...
View ArticleClosing our sole trader business. Former creditor in liquidation question
We are closing our sole trader business. 2 years ago one of our main suppliers went into voluntary liquidation through one of the main liquidation companies. For one year we received statements from...
View ArticlePossibility of mortgage after Personal Insolvency?
Hi there I hope someone might be able to help. I know Personal Insolvency is a very new area and this seems to be causing me some major issues when trying to get answers. I will try to make this story...
View ArticleDirector of creditor in liquidation is asking us to pay him directly and not...
We are closing our sole trader business. 2 years ago one of our main suppliers went into voluntary liquidation through one of the main liquidation companies. For one year we received statements from...
View ArticleDavid Hall claiming credit for stopping an eviction
I'm just wondering how Mr. Hall is so powerful. Is this story actually true. Or is the headline misleading. It's certainly lurid enough....
View ArticleRepossession of a business premises
I am involved with horses and the Livery yard where I keep my horse is in financial trouble since the recession but they have managed to keep the business viable to date. The financial issues are...
View ArticleWill bank make a move?
Hi I have been advised by a PIP that an insolvency solution is not workable. I have unsecured debt of €400k and I have a property with positive equity of about €100,000. The mortgage on the property is...
View ArticleHow Mortgage to Rent Works
Hi Delboy This is how a Mortgage to Rent works 1) iCare buys the house from the owner 2) the proceeds are paid to the lender who writes off the shortfall 3) iCare rents the house to the Local Authority...
View ArticleGetting a mortgage after lump sum DSA
Is it any easier to get a mortgage at some point in the future after doing a lump sum dsa vs Bankruptcy? The dsa will be on my record for 5 years. Is it effectively regarded the same as having gone...
View ArticleSplit mortgage in PIA
i had a split mortgage approved in August 2016 by Kbc and then the pia in November 2016 even though House was in negative equity we didn’t recieve a right down on any debt on the family home. My...
View ArticleWhat debts Bankruptcy doesn't wipe....
The ones i can think of are Tax, Criminal charges, Any other debts that bankruptcy will not wipe off the slate ?
View ArticleWhy don't more people avail of PIAs if they can get Negative Equity written off?
Jim Stafford said: ↑ Bronte, thousands of people have already availed of PIA's. Having said that, I am still baffled, in 2019, to meet clients facing severe financial difficulty that have not...
View ArticleNew scheme for people who don't qualify for Mortgage to Rent
A new scheme ARIZUN STAY IN YOUR HOME https://www.independent.ie/business...s-back-to-families-hit-by-debts-37739869.html...
View ArticleHouse Idle 3 yrs later ?
I’ve seen a few comments here that after 3 years you have rights to the property ? Just wondering what is that about ? Myself and husband were declared bankrupt in early 2016 and the house is still...
View ArticleSuccess! I got a mortgage 4 1/2 years after being declared bankrupt
So folks after over 2 years of applying, we got mortgage approval back in July and we'll finally be getting the keys to our new home next week. For the doubters out there (@Brendan Burgess being one -...
View ArticleGetting mortgage while still owing money
I have a significant debt owed to a bank. However - I am thinking letting it run the 6 years whereby the statute of limitations runs out meaning I will no longer be legally obliged to pay the debt....
View ArticleConsolidation loans, DSAs etc
Hi, I currently have a large loan 30k from AIB that along with some smaller loans (in total a further 5k) I have been struggling to pay. I am in arrears in my payments and they have passed the debt to...
View ArticleUpsizing home but can I keep tracker (also availed of PIP)
Hi there, I have been to hell and back in recent years and luckily for me I am now in heaven (well not quite but to keep with the methaphor). We had a lot of debt and our wages fell to half of what...
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