I know I'm asking a lot and giving little info, apologies, am scared that the banks may be perusing these pages and the wrong little bit of info could probably identify me, Ireland is tiny in this respect imo.
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I wouldn't be so worried, it's easy for you to 'hide' the details, just tell us you're in Donegal when you're in Kerry, say the house is in Galway when it's in Dublin etc. The banks are inundated with people like you and unable to cope, you are just a number. Unless you are telling us you owe millions. I pressume we're talking south of 1/2 mil ?