Hi the investor hasn't been to the bank yet but she will approach them shortly so will see what happens over the next few months, I would say that the bank would register it as a write down with the Irish Credit Bureau therefore it would affect my credit rating for 6 years, however if this investor can negotiate it as part of the terms and conditions that they dont register it as a write down i could be ok, the banks want cash and if they are offered it with some Ts & Cs they may just agree. Will keep you updated over the course of it.