Tanager mortgage holders

I'm in court Jan'18. Only offered discount if I refinance but can't because of arrears. They refused all suggestions I put to them, wouldn't even meet us. The hub is very helpful and will help with advice on the law if representing yourself.
 
The court appeal over title issue is up in september,these guys are a disgrace.How they have been able to conduct business like this in ireland is astonishing. They have clearly broken and flouted every central bank rule that has been put in front of them
 
Hi All,

Re first court appearance it will be adjourned, however get your ducks lined up.

1) Request a full copy of the solicitors indemnity insurance, not only do they have to provide you with a copy , they also have to inform their insurance company each/every time a request is made. Imagine if 50/100 requests where made...this is the first shot across their bow.....One of the previous legal companies ceased trading as a result of their handling transfer legality?

2) Request a full copy of all paperwork relating to your account, including original copy of the any contract/ agreement signed by you with Tanager. They will send you out a BOS/ BOSI one as you didn't sign any contract with Tanager nor did you receive any monies from them.

3) On receipt of your full original documentation,
a) get your account adutited, you may have been overcharged at some point, if overcharged and before you missed your first payment? Possible breach of contract by bank first? And maybe overcharged for months before discovered?
b) Get legal advice and question legality of property transfer from bosi to bos before midnight as per date in your documentation,? Is if bosi was a legal entity at the time? Number of cases including mine already struck out as Tanager not on title/property register.

4) Re Offer / discount you may have received ? Tanager are making these Token offers for 2 reasons
a) to demonstrate to the court their willingness to do a deal????? While at the same time trying to repossess your home they no full well you will not get refinance here in Ireland because of the arrears etc.
b) you may have won the lottery or have cash or a family member to help out of fear??????

5) Tanager bought the loan book for an alleged average discount of 58% ? I have read that it was actually between 60- 80% discount. So on that basis make them an offer in WRITING at 80% discount of the principal amount plus say 5k.....turn the tables.
Of course they will turn it down....make another offer in WRITING for principal plus 7k...

When they turn it own ! Tell them you want their response in writing...you will need it for your court case. So you will have demonstrated to the court your Bona Fides . m
Making monthly payments
Paying an amount of the alleged arrears
Made. A number of offers ( which tanager will have turned down
Your willingness to continue to work with Tanager for a satisfactory outcome for both parties

And all of this before you make any legal arguments....keep turning the tables back in your favor..
Legality of transfer , possible overcharging, no contract, no cancellation of contract offered as you signed for the mortgage with a solicitor and not a mortgage advisor, and other points....

Keep paying your monthly amount , get everything in writing...
 
Hi open air, in rely to the alledged disgraceful behaviour by the aforementioned vulture fund, they are taking advantage of the legislation introduced by the previous FG government which is now the current FG government policy which is supported by FF ,,rental act bill 2013...Noonan then welcoming and meeting the vulture funds.

No current govt minister or any from the previous govt has called for a moratorium on repossessions? nor has the current or previous minister for justice or even any elected representative ever challenged the judiciary? Even after The Master Of The Circuit courts warned of possible breeches of EUJ Law????

So really what is Mr McGrath going to achieve?

I would suggest it will be us ourselves with the help of aN aggressive and capable solicitor etc to assist us.
 
  1. Hi Rambo1; I sent a letter to a political party, I won't mention their name here asking to bring these issues to the Dail including the illegal transfer of deeds to be investigated by the minister for finance. In fairness they did send a list to him and all they got back was the mortgage resolution process to pass on as well as saying it was the courts who had to deal with these issues and not the government. I replied to them and let them know I would be investigating myself. So I do believe we have to come together ourselves and take them on because it looks like no one else will.
 
I have a feeling it will be following week,i will be talking to td on monday with help of god
 
We will meet the td and cross that bridge,if it's helpful or not time will tell.There is nothing stopping us engaging a solicitor or barrister to assist us as well.For all of us to meet in the one place at the one time will be the first step,,,do ye agree?? , any one that is sceptical of the td is entitled to be, i only care about us as a group working together.
 
Are you a tanager customer blighty?,are what is your background,,,the more hands on deck the better.
 
Hi blighty, That's the way to go. We should all get together and help this person win their appeal.
 
Teusday 17th october @4pm in leinster house for td meeting,,,?? Does this suit everybody?
 
We could also invite a barrister along for some legal guidance on the day,i know of one in the dublin area that is heavily involved in a tanager case
 
Great to see the interest thats been shown.So as it stands we have a highly regarded financial commentator on board,a td , and im also in talks with a barrister. Lets drive this on,have a voice and support each other.As ive said from the beginning,there is strength in numbers.
 
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