W
Winner
Guest
Hi All,
Would really appreciate some good advice for myself and husband.
History - We bought our house in 2006 with a 100% mortgage with PTSB. The mortgage is now at 358,000. I work part-time and Husband redundant since October last year, so far we have taken a 2 month mortarium & now we pay 800 per month off the mortgage (which was €1750 per month). Fortunately the mortgage interest supplement was given to us and they contribute 600 per month so as it stands at the moment we are paying our mortgage interest only with each month an arrears of 350 each month.
The problem we have is with our neighbour with anti social behaviour and has been going on and off for a couple of years now - the police are well aware and our lives are a misery - every weekend we are woken up with people coming for parties its like a doss house every weekend, all his mates come in their droves and get off their heads on drink & drugs every weekend, we have had broken beer bottles outside our door, people being sick on our drive and we have been verybally threatened - i genuinely could go on, our lives are hell living next door to it, even our young child is now clued up. We now want out for the sake our sanity and marriage - all our family & friends know of our plight and its just horrible - put it this away imagine being away for the weekend and dreading coming home cause its nice out and you think there will be a gang of them outside his back partying...
So what we would like to do is be able to sell the house and come to some agreement with the bank for the shortfall - we reckon we'd get no more than 200,000 for the house so will owe about 150,000 to the bank - we would really be grateful if anyone would have any advice how physically to do this - ie., what do we actually say and do to the bank. If the bank wouldnt agree to this - what if we said we would be handing the keys back and going back to the UK - how would this impact and in general terms just how exactly does this work? although thats not something I want to do.
We think in some ways its a good thing that my husband is not working just in terms of going to the bank but we just heard this morning that there may be an offer of his job back again albeit for 3 months or a year and we are afraid how this would impact with our proposal to the bank?
Would really appreciate some advice or if anyone knows if there are solicitors or organisations that we could bring with us to the meeting or just what we should do.
Many thanks
Would really appreciate some good advice for myself and husband.
History - We bought our house in 2006 with a 100% mortgage with PTSB. The mortgage is now at 358,000. I work part-time and Husband redundant since October last year, so far we have taken a 2 month mortarium & now we pay 800 per month off the mortgage (which was €1750 per month). Fortunately the mortgage interest supplement was given to us and they contribute 600 per month so as it stands at the moment we are paying our mortgage interest only with each month an arrears of 350 each month.
The problem we have is with our neighbour with anti social behaviour and has been going on and off for a couple of years now - the police are well aware and our lives are a misery - every weekend we are woken up with people coming for parties its like a doss house every weekend, all his mates come in their droves and get off their heads on drink & drugs every weekend, we have had broken beer bottles outside our door, people being sick on our drive and we have been verybally threatened - i genuinely could go on, our lives are hell living next door to it, even our young child is now clued up. We now want out for the sake our sanity and marriage - all our family & friends know of our plight and its just horrible - put it this away imagine being away for the weekend and dreading coming home cause its nice out and you think there will be a gang of them outside his back partying...
So what we would like to do is be able to sell the house and come to some agreement with the bank for the shortfall - we reckon we'd get no more than 200,000 for the house so will owe about 150,000 to the bank - we would really be grateful if anyone would have any advice how physically to do this - ie., what do we actually say and do to the bank. If the bank wouldnt agree to this - what if we said we would be handing the keys back and going back to the UK - how would this impact and in general terms just how exactly does this work? although thats not something I want to do.
We think in some ways its a good thing that my husband is not working just in terms of going to the bank but we just heard this morning that there may be an offer of his job back again albeit for 3 months or a year and we are afraid how this would impact with our proposal to the bank?
Would really appreciate some advice or if anyone knows if there are solicitors or organisations that we could bring with us to the meeting or just what we should do.
Many thanks