Struggling to keep up loan repayments

Mazie1 said:

Home loan €38,500 €118weekly

House owned fully €310K

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I don't understand this. If the house is fully owned then why is there a loan?

Mazie1 said:

Current income 1340 per week

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Net? What about stuff like child benefit? Any other welfare payments or other income?

Mazie1 said:

We had a temporary increase in income which allowed us to decrease our debts. Where we stand now that income will fall substantially.

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The current household income seems to be €70k p.a. now (not sure if net or gross) so are you saying that this is going to fall? To what?

Mazie1 said:

Current debts: €10,000 AIB repayments €233 weekly
Credit card debit... sold to cabot €6,500 €140 weekly
Home loan €38,500 €118weekly

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What interest rates apply on these?

Mazie1 said:

Do we consolidate all the loans into one loan and take out a 5 year loan for €55,000 to ensure we are meeting our commitments.

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I presume that you wouldn't be able to consolidate these into a mortgage top-up given the household income?

Have you checked with the Credit Union in case they can offer you a suitable loan?

Mazie1 said:

We have worked with mabs

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What have they advised in relation to the outstanding loans?