The vast majority of people who got split mortgages fully appreciate the problems of deep mortgage arrears and have done everything possible to avoid going into arrears again.
In general, split mortgages were only offered to people who maintained payments on their mortgages, so I would say a lot of the car buyers were not offered split mortgages.
Bank of Ireland and AIB did not sell their split mortgages, so there are no vultures involved.
The former customers of ptsb and the banks who left the market are most vulnerable to having their splits renegotiated.
However, as Right Winger pointed out, anyone with a mortgage is vulnerable to increased rates. But the non-tracker mortgage customers of the vultures are particularly vulnerable.
Brendan