i am a single person 43 years old with a mortgage of 230k remaining, term 17 years, on a variable rate with ebs. my issue is the monthly payment is now over 1600 euro which i cannot sustain. i have offered to pay 1300 per month and requested them to shelve the outstanding portion. they refused and i appealed and they refused again all by written correspondence they would not discuss matter in person. i pay a weekly repayment to credit union of 45 euro. they insist mortgage must take priority but credit union is my life line as i have no capacity to save anymore. i have never defaulted on my mortgage and am not in negative equity. but unless i stop paying utility bills cannot manage this amount all advice greatly appreciated