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  • Moderators, Society & Culture Moderators Posts: 17,642 Mod ✭✭✭✭Graham


    The general advice is to talk to your bank before you get into arrears to see if you can re-organise your mortgage repayments, apply for a moratorium or interest only payments. Sometimes this proactive stance can give you a mental breather to get the rest of your ducks in a row.

    Contact Details for some of the Banks mortgage arrears units can be found in the links below:

    AIB - http://personal.aib.ie/our-products/loans/managing-your-borrowings
    BOI - https://personalbanking.bankofireland.com/borrow/mortgages/articles/arrears-assistance/
    PTSB - https://www.permanenttsb.ie/about-us/need-help/productsupport/repayment-difficulties/home-loan-mortgages/
    Ulster Bank - http://www.ulsterbank.ie/roi/personal/borrowing/managing-debt.ashx
    EBS - http://www.ebs.ie/mortgages/asu.html

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    General Information about Mortgage Arrears

    **********************************************************************************

    Budgeting Advice & Tools

    Money Advice and Budgeting Service
    MABS is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
    www.mabs.ie

    bonkers.ie
    bonkers.ie bonkers.ie is a free, impartial and independent online comparison and switching service which helps you to compare gas & electricity prices, digital tv, broadband & home phone, credit cards, prepaid money cards, personal loans, savings accounts, current accounts and mortgages.

    www.bonkers.ie

    MISc - Minimum Income Standard Calculator
    The Minimum Income Standard shows the income people need in order to afford the goods and services that members of the public have agreed are a minimum essential for everyone in Ireland to have. This is a minimum standard that people agree no one should live below.This calculator allows you to see the minimum for your household type. By answering a few simple questions the minimum income standard for your household will be calculated. You can then make certain adjustments for your situation.

    www.misc.ie

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    Advice & Assistance Groups


    Irish Mortgage Holders Organisation
    The Irish Mortgage Holders Organisation is a not for profit organisation which aims to facilitate independent mortgage/debt resolution between lenders/creditors and mortgage holders.
    Our aim is to help you deal with indebtedness and allow you to move forward.

    https://www.mortgageholders.ie/

    Society of St. Vincent de Paul
    The Society of St. Vincent de Paul is the largest, voluntary, charitable organisation in Ireland. Its membership of 10,500 volunteers throughout the country are supported by professional staff, working for social justice and the creation of a more just, caring nation. This unique network of social concern also gives practical support to those experiencing poverty and social exclusion, by providing a wide range of services to people in need.
    www.svp.ie

    New Beginnings
    New Beginnings believe that Ireland will recover when people are freed from unmanageable debt.
    They lobby the Government, advocate in the Courts, provide personal insolvency and bankruptcy services, and negotiate with banks and creditors to implement the solutions that we know are there.
    http://www.newbeginning.ie/

    FLAC - Free Legal Advice Centres

    FLAC is an independent human rights organisation dedicated to the realisation of equal access to justice for all. To this end it campaigns on a range of legal issues but also offers some basic, free legal services to the public. FLAC currently concentrates its work on four main areas: Legal Aid, Social Welfare, Credit & Debt and Public Interest Law.

    www.flac.ie

    Legal Aid Board
    The Legal Aid Board is an independent, publicly funded organisation. It has been in existence since 1979 and was set up as a statutory body on foot of the Civil Legal Aid Act 1995.

    www.legalaidboard.ie


    Mercy Law Resource Centre

    Mercy Law provides free legal advice and representation, in an accessible way, to people who are at risk of homelessness in the areas of Social Housing and Social Welfare Law.

    http://www.mercylaw.ie

    Mental Health

    Keeping your head in good health is also important, people can get very stressed out & often do not feel that they can talk to friends or family, choosing to carry the strain of the financial hardship themselves.

    Below is a link to a post from Mike_ie with Information for Distressed Posters which has the contact details for various organisations.
    http://www.boards.ie/vbulletin/showt...p?t=2057178293


    Credit to The Morrigan for the original post.


  • Moderators, Society & Culture Moderators Posts: 32,278 Mod ✭✭✭✭The_Conductor


    As most of you are probably aware, there has been significant legislation enacted to protect tenants throughout the Covid-19 crisis.

    Link here: https://onestopshop.rtb.ie/covid-19-emergency-legislation-for-rental-sector


  • Registered Users Posts: 4,538 ✭✭✭Treppen


    Dunno if it goes here.


    Traces sharing with path of sun at any location or time.

    https://shademap.app/#53.34903,-6.26031,16.407997339795152z,1622523289050t



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