Bank of Ireland mortgages

jprice86

I have a Bank of Ireland mortgage, about 2/3 years ago I split wit my partner she moved and and I had an injury and was unable to work, I don't receive sick pay as I am a scaffolder. Anyway I went into arears and now pay a bit more each month onto of my monthly repayments to help clear this. At the monent because of falling house prices and the arears the mortgage amount is more than the properties worth eg. £97,000 is the value of the property and I have £103,000 outstanding on my mortgage. Because of this I have a bad credit file, I need £13,000 to make a few home improvements, buy a car and go on a well deserved holiday!! I cannot get a loan, would bank of Ireland be willing to loan me the money and add it on to my mortgage amount? Or would they be willing to remove the missed payments from my credit file? Any help is appreciated, my credit score is a very very poor 321!!

opinions4u

Nobody is going to lend yo this money.

Phreaky

No sane bank is going to give a 13k loan to blow on a new car and a holiday to someone in negative equity with a terrible credit file. Get real.

somethingcorporate

Your chance lies somewhere between nil and beggar all.

jonesMUFCforever

OP did you not have PPI to claim on when you got injured?

Fruit_and_Nut_Case

I was going to suggest that this would be more appropriate in the Mortgages & Endowments Board but I see that jprice86 has beaten me to it here.