Considering PIA or Bankruptcy, Living Abroad and want to move home to Ireland
Hi everyone I need some advice. I am living abroad but really want to get back home, buy a house and live an Irish life with my family. In 2008 I left Ireland after the crash. I have secured debt and...
View ArticleFrom desperation to homeowner in 8 years - a true story
This is from Martin Lewis' UK website Money Saving Expert. Whilst the various organisations/schemes are UK based, it does show that someone can go from desperation to home owner again once they set...
View ArticlePIA Early Termination
In the last year of an insolvency, is it possible to get a loan from a family member amounting to the total amount of payments remaining on the insolvency and terminate early?
View ArticleMortgage post bankruptcy
Hi, I was discharged from Bankruptcy in July 2016. Debts included in the bankruptcy with PTSB (unsecured) and Start Mortgages (secured) continue to be reported to both ICB and CCR (as my ex wife didn’t...
View ArticleLPT property tax in bankruptcy
Does anyone know if the LPT (local property tax) can be included in bankruptcy ? For instance if a person has deferred LPT payments to revenue for several years ,has gone bankrupt and no longer lives...
View ArticleMy DRN (Debt Relief Notice).
I seem to be the only person going through this process at the moment so I would like to share my experience. I have been through the MABS initial contact and I have passed this screening. I have...
View ArticleInheritance while in PIA
If someone is early in a PIA which gives the creditors say 80% of any inheritance, it seems that the creditors will not only take this 80% but the debtor may find the PIA reviewed and their payments...
View ArticleUnpaid loan on credit report
Hi jusr looking for advice. My husband and I seperated in 2010. We had a lot of debts after the boom including a credit union loan for €15000 for car and home improvements which neither of us paid....
View ArticlePost PIA review of spilt mortgage agreed as part of PIA
Hi, I am on a spilt mortgage as part of a personal insolvency arrangement. The pia is finished since 2016. Today the bank wrote looking to review the spilt mortgage based on our current income. Can...
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 ArticlePlease Help!! 5 years post bankruptcy bank still sending in false info to ICB
Hi there, I am 5.5yrs post bankruptcy and PTSB are still sending in reports to ICB that I owe them for mortgage I had with them. PTSB state that they can still do this because the property is not sold....
View ArticleEffect of Split Mortgage on ICB Credit Rating
Does anyone know the effect of a split mortgage (20% in a moratorium) on a credit rating? Thanks to family there were never any arrears, late or missed payments while it was negotiated and everything...
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 ArticleAccelerated DSA with Lump Sum Payment
Has anyone explored this option with an Irish Bank as a viable way to fast track long term debt resolution?
View ArticleDSA done and dusted 2 years ago
i had a DSA done November 2017,voted on by the creditors,passed and sanctioned by the courts. i recently decided to get my CCR report and Cabot Financial have me down as still owing them money even...
View ArticleJudgement mortgage help
Hi all, first time posting so apologies if it's in the wrong place! I owned a business several years ago and stupidly had a parent guarantee the loan. The company was LTD but as he signed paperwork...
View ArticleDischarged from bankruptcy-My experience.
It is now two months since my wife and I were discharged from bankruptcy and having gone through the last eight years of trying to avoid registered letters, solicitors demands and numerous 'phone calls...
View ArticleClaim notice district court.
Hi all, I’m in a bit of a tizzy at the minute. I received a claim notice on the 19th December. I made a appointment to see a flac solicitor tonight who was zero help and told me to contact a solictor...
View ArticleTax debts when made bankrupt
Hi would anybody know what happens to your tax debts if you declare bankruptcy?
View ArticleICB joint account report post bankruptcy
Hi, I was declared bankrupt almost 5 years ago. I recently wrote a GDPR letter to pTSB to have my name removed from a 2003 joint account which is still active and being paid. It shows on ICB as in...
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