Homeless in 7 days

homeless13

So it has finally happened, the bank have decided to foreclose on the house, fun times.

oh and btw it wasnt my mortgage so I really don't feel like hearing well you shouldn't have taken it out in the first place. The mortgage is for well under 100k and the arrears are so small, well let's put it this way you'd get more on the dole in a year.

So yeah just wanted to say **** the bank and their solicitors letter. So AH any tips on homeless life that will be useful and cheer me up some, pretty much one of the worst days of my life do far...

Still, so long as you can afford the internet.

The King of Moo

Rent a flat.

Fukuyama

My sincere condolences.

Must be a ****e time for you.

TanG411

https://www.youtube.com/watch?v=0sq8VDXlWQk

questionmark?

homeless13 wrote: »

So it has finally happened, the bank have decided to foreclose on the house, fun times.

oh and btw it wasnt my mortgage so I really don't feel like hearing well you shouldn't have taken it out in the first place. The mortgage is for well under 100k and the arrears are so small, well let's put it this way you'd get more on the dole in a year.

So yeah just wanted to say **** the bank and their solicitors letter. So AH any tips on homeless life that will be useful and cheer me up some, pretty much one of the worst days of my life do far...

Doesnt sound like you had a mortgage or house anyway.

In order news OP gets thrown out of somebody elses house, leaves Leitrim, finds the internet and signs up to boards. Go you!

Ghost Buster

homeless13 wrote: »

So it has finally happened, the bank have decided to foreclose on the house, fun times.

oh and btw it wasnt my mortgage so I really don't feel like hearing well you shouldn't have taken it out in the first place. The mortgage is for well under 100k and the arrears are so small, well let's put it this way you'd get more on the dole in a year.

So yeah just wanted to say **** the bank and their solicitors letter. So AH any tips on homeless life that will be useful and cheer me up some, pretty much one of the worst days of my life do far...

Have a look around youtube. there is a video posted by a group who will legally face down the sheriff when he comes to evict you. Its unconstitutional to evict any one from their home. Sorry i cant be of more help. Good luck. It must be rough

Chucky the tree

homeless13 wrote: »

So it has finally happened, the bank have decided to foreclose on the house, fun times.

oh and btw it wasnt my mortgage so I really don't feel like hearing well you shouldn't have taken it out in the first place. The mortgage is for well under 100k and the arrears are so small, well let's put it this way you'd get more on the dole in a year.

So yeah just wanted to say **** the bank and their solicitors letter. So AH any tips on homeless life that will be useful and cheer me up some, pretty much one of the worst days of my life do far...

If the arrears are so small then why don't you pay them?

BrokenArrows

To be fair as a homeless person you will probably be better off financially. Tonnes of hand outs from the government.

stupidusername

So what did happen, if it wasn't your mortgage was the problem?

A good rain jacket, that's what I suggest you take with you.

Butterface

Who's mortgage is it? And what did you do with that person OP????

cml387

So what circumstances have led you to this sorry pass?

There are a thousand stories in the naked city,can you share yours?

FearDark

Definitely post about it in AH, you will receive sound advice from those fine chaps.

cml387

FearDark wrote: »

Definitely post about it in AH, you will receive sound advice from those fine chaps.

That thing about the rain jacket though...

Fighting Irish

lol

Jenroche

My sympathies, OP. However, if you are looking for constructive advice I think AH is the wrong forum to post in. I would recommend you contact somewhere like Focus Ireland for sound advice. Best of luck.

Hande hoche!

Crash on various friends' couches.

frozenfrozen

lol

Ghost Buster

Ghost Buster wrote: »

Have a look around youtube. there is a video posted by a group who will legally face down the sheriff when he comes to evict you. Its unconstitutional to evict any one from their home. Sorry i cant be of more help. Good luck. It must be rough

He was since evicted.

Where To

This story doesn't make any sense . .

as125634do

be glad you will be sleeping rough in a mild climate

minidazzler

Take a **** in every room before you move out.

yermandan

Go to the Focus Ireland Coffee Shop & Advice Centre on Eustace Street, Dublin 2. Open 10.30 - 5pm tomorrow. Or call them on 01-6712555.

Best of luck

aquaman

I know OP. You just need to vent.
Go on let it all out there.......

Gummy Panda

Don't you have to either consent to repossession of your home or fail to adhere to a repayment plan and bank has to get a court order?

homeless13

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

Most of my college assignments are due this week, i also have an exam tomorrow,I just don't know how I am going to go in and pretend that everything is fine when it so far from is. Or focus in any, way, shape or form.

The hardest part for me is that I am gong to have to rehome my pets, because I can't provide a home for them anymore.

We didn't bury our heads in the sand, we tried to sort things out everyday we could, just met closed doors at every turn.

The King of Moo

I'm sure you have some relatives who'll take you in for a while.

Copper_pipe

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

Most of my college assignments are due this week, i also have an exam tomorrow,I just don't know how I am going to go in and pretend that everything is fine when it so far from is. Or focus in any, way, shape or form.

The hardest part for me is that I am gong to have to rehome my pets, because I can't provide a home for them anymore.

We didn't bury our heads in the sand, we tried to sort things out everyday we could, just met closed doors at every turn.

At least ye had to willingness to try and fix the situation

Millicent

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

Most of my college assignments are due this week, i also have an exam tomorrow,I just don't know how I am going to go in and pretend that everything is fine when it so far from is. Or focus in any, way, shape or form.

The hardest part for me is that I am gong to have to rehome my pets, because I can't provide a home for them anymore.

We didn't bury our heads in the sand, we tried to sort things out everyday we could, just met closed doors at every turn.

Bet some of the other posters feel like dicks now.

Have you looked into a hardship grant in college, OP? Most colleges AFAIK have one for students facing exceptional circumstances and I'd say you more than qualify.

MickySticks

Sorry to hear of your predicament OP now if you'll excuse me I'm off to my jakuzzi.

Gummy Panda

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

That doesn't sound right considering a lad in work was three months behind and the bank told him cause he kept requesting for negotiation on repayments and rang explaining every time he was behind, they couldn't repossess due to a legislation passed in 2009.

Hank Scorpio

Jump in front of a bus, free hospital bed and food for a few months

homeless13

Gummy Panda wrote: »

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

That doesn't sound right considering a lad in work was three months behind and the bank told him cause he kept requesting for negotiation on repayments and rang explaining every time he was behind, they couldn't repossess due to a legislation passed in 2009.

The bank in question has been kept up to date with every twist and turn throughout the story. It was originally nationwide, but now the IRCB?

blaze1

Sh1tty news without a shadow of a doubt..

Maybe a little too late but have you tried the ombudsman?

Could you rent rooms to your student pals to raise a few quid?

Hope you get something sorted

MadYaker

You must have some friends who can put you up for a while? If you do i suggest you move in with them and then try to find a job or apply for a grant. You should definitely qualify for a grant.

joshrogan

Talk to your college ASAP, they should be able to help you in some way.

chin_grin

minidazzler wrote: »

Take a **** in every room before you move out.

OR take a **** in an envelope and send it to the bank?

cocoshovel

Can you smell it?

MickySticks

cocoshovel wrote: »

Can you smell it?

Want?

TanG411

cocoshovel wrote: »

Can you smell it?

Smell homelessness?

Cheesy.

L0ui5e

Your parents should get to the community welfare officer and the local council to see if they can accommodate with temporary accommodation.
Also, get an appointment MABS. I know it may be too late to save your home but they will do a budget plan for all your income and expenses if things are tough which obviously they must be. They may be able to help you renegotiate with other creditors.
Best of luck.

EDDIE WATERS

Ask the college and see what they say

egan2020

Gummy Panda wrote: »

That doesn't sound right considering a lad in work was three months behind and the bank told him cause he kept requesting for negotiation on repayments and rang explaining every time he was behind, they couldn't repossess due to a legislation passed in 2009.

http://www.citizensinformation.ie/en/housing/owning_a_home/mortgage_arrears/consumer_protection_codes_and_mortgages.html

This might the legislation.

OP - Read through the conduct protection code and code of conduct on mortgage arrears and if you feel that the bank haven't followed the conduct, report the matter to the Financial Ombudsman.

Cuddlesworth

Ghost Buster wrote: »

Have a look around youtube. there is a video posted by a group who will legally face down the sheriff when he comes to evict you. Its unconstitutional to evict any one from their home. Sorry i cant be of more help. Good luck. It must be rough

He wasn't evicted because it was two Gardai and a Sheriff versus over thirty angry protesters. They came back two weeks later and turfed him out when he was on his own.

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

Most of my college assignments are due this week, i also have an exam tomorrow,I just don't know how I am going to go in and pretend that everything is fine when it so far from is. Or focus in any, way, shape or form.

The hardest part for me is that I am gong to have to rehome my pets, because I can't provide a home for them anymore.

We didn't bury our heads in the sand, we tried to sort things out everyday we could, just met closed doors at every turn.

You should really talk to MAB's. If you were willing to renegotiate, its extreme circumstances and this is your only home at the moment this will reflect really badly on the bank in court. If you can get MAB's involved its likely the bank will call off the hounds.

Aoifey!

Millicent wrote: »

Bet some of the other posters feel like dicks now.

Have you looked into a hardship grant in college, OP? Most colleges AFAIK have one for students facing exceptional circumstances and I'd say you more than qualify.

This, go to your Students Union and ask about some sort of emergency assistance fund. I know you might feel embarrassed but that is what it's there for, it's worth a try. Most colleges have some sort of money set aside to help student who find themselves in awful situations like yours.

Hope everything works out for you.

cml387

Is this the only house your parent's own?

Cookie_Monster

homeless13 wrote: »

Just to clarify, it was parents mortgage,long and complicated story. Can't pay the mortgage myself because I am a student, we tried negotiating with the bank, to lower the payments some so we could manage them they refused.

Most of my college assignments are due this week, i also have an exam tomorrow,I just don't know how I am going to go in and pretend that everything is fine when it so far from is. Or focus in any, way, shape or form.

The hardest part for me is that I am gong to have to rehome my pets, because I can't provide a home for them anymore.

We didn't bury our heads in the sand, we tried to sort things out everyday we could, just met closed doors at every turn.

do you work part time as a student? If not then why not, if so does this not provide enough? Pets are a luxury item and ferociously expensive, why have you got them if you can't even pay the mortgage?
story simply does not add up for me...

pets are "a luxury item"?
i hope you dont have any

Millicent

Also, OP, get in and tell someone in your college outside the SU what is going on. Get them to make an official record of it so if, knock on wood, you fail anything because of the stress or need an extension, there's a record of it and you can apply for a compensation to pass or the chance to resit when things calm down.

There's usually a process for such things in colleges so make sure it goes down an official route. If there is a welfare officer in your student union, they should be able to help.

Nabber

Get a job. The golden days are gone. Being a student is longer a thing where people just pick a course and don't work for 3-5years and fiddle with their pets.

Why not start by cancelling your ISP account..... Tis a luxury after all, lest ye have forgotten.

Millicent

Cookie_Monster wrote: »

do you work part time as a student? If not then why not, if so does this not provide enough? Pets are a luxury item and ferociously expensive, why have you got them if you can't even pay the mortgage?
story simply does not add up for me...

Yeah, he should get one of those jobs that they're throwing at people these days...