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rhinop

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  1. Sorry, I just realised I hadn't made myself clear. I have already sent them the stuff on 4 April (they confirmed receipt) and then paid them again in 11th April. I have spoken to the bloke at BOI who is truely unhelpful. I have copied him the latest payment from my bank when I heard they were applying for the warrant he has since ignored me. Are you saying I should do this again?
  2. thanks for that I have the print outs of each payment and the letters/e-mails from the bank saying the the payments were made and apologizing for being late. What are the chances of success? I heard today that the boi person is moving dept so basically I think he is just trying to get me off his desk. I know this is a curve ball but do I have any options regards the self cert bit. As they are now illegal and its interest rate is punitive etc? Maybe reclaim interest in some way?
  3. Hi I have a 300k self cert mortgage at 7.99% which started in Nov 2008 (height of the credit crunch) I was in the middle of buying my ex out of the house and as i am self employed was left with no options as I was self employed. My income has been variable but bank of Ireland were a nightmare from day one, not setting up DD's taking it without warning or not completing the mandate so I ended up with arrears from almost day 1. They also failed to allocate payments to my account. I have repeated complained about the way my account was handled and got the usual fob offs. Anyway in 2009 I lost 5 big customers leaving me £80K out of pocket, then in 2010 another customer defaulted for £120K, the first 5 all went bust because banks called in their OD's and the latter is just a dirty bstard trying to dodge payment. How my business survived is a miracle however what it has done has meant I have taken my eye off my personal ball. I know you will find this incredible but I didn't notice for nearly 6 months that BOI were again not taking my DD various wrangling later in November 2010 we agreed I would pay £2k per month (£1750 + 250) by DD. They this time didn't set up the DD and then didn't collect any payments first I realised was in Jan I got a notice of hearing for suspended possession order, this was had in Feb. and suspended. Prior to the hearing I paid 8K (4x 2K) in separate payments, the judge made this part of the order and ordered I pay the 2K per month amount. This I have done however 2 payments were a few days late because my bank didn't send them in time. I have letter of apology on both from my bank and sent them to BOI. BOI are now claiming they haven't had all the payments and have applied for a warrant to evict me on the 25th May. They are claiming the arrears have gone up. This is a like a terrible joke and is killing my relationship not least my GF is threatening to take my daughter away. Any help you can suggest to resolve all of this would be appreciated.
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