We will guide, assist and provide you with independent and impartial advice to navigate this complex process. This initiative is free of charge to all AIB/EBS/Haven customers.
The above is from the IMHO. At [broken link removed]
This is who you need to contact urgently to try and sort matters out, and it's FREE for EBS customers.
You really haven't given us much financial information to go on (income, mortgage term, ages etc) . That is a relatively low mortgage amount. It might be solveable if the mortgage term were extended.
Unfortuantly the bank doesn't want to meet people head to head, they really don't want to know about your circumstances, how you lost your job, how your wife is ill, if they did they might have to deal with an actual human person so they avoid that so that you become just a number to them. It is not personal, it is business. You need the guys from IMHO to guide you through the process. They seem to be getting people sorted, not sure if you can be, but best of luck. (Maybe if you post up some figures you might get some ideas, but you've already tried a PIP)
On the PIP, how much were you charged? How many meetings, were you impressed. Not much point to a PIP though if his proposal was rejected.