I am currently trying to switch from a vulture fund to a main bank. I had 26 missed months in arrears ~€50k. I cleared my arrears in December 2021. I haven't missed a full repayment since 2015. My mortgage is €208k. My home is worth €320k. I've a full time state job paying €76k. No other loans or risky activities.
Bank are querying my arrears and it seems they are going to turn my application down.
My current interest rate with vulture is 7.7%.
Bank are querying my arrears and it seems they are going to turn my application down.
My current interest rate with vulture is 7.7%.