Abhaile Case Studies
Mike & Louise's Story
Mike and Louise are a young couple with a young family. Mike had lost his job just eight weeks before they were due to get married - their life came crashing down. They were in regular contact with their lender and worked hard to reach a resolution to their mortgage arrears. However, after eight long years, it came to nothing.
Now they have hope and it looks like Mortgage to Rent could be the answer, which was made possible through Abhaile.
"For the longest time we felt we were alone but everyone in Abhaile, they gave us hope again."
Adam & Sally's Story
Adam and Sally were managing. They were making ends meet and then some and everything was fine. Then the recession hit and all of a sudden, they were finding it difficult to make ends meet. The bills were growing, and they couldn’t find their footing.
That’s when they heard about Abhaile and the Personal Insolvency Practitioner (PIP) service. Their PIP listened, didn’t judge and took everything into account when helping them reach an arrangement with their lender.
They are now solvent, thanks to a Personal Insolvency Arrangement with repayments they can manage and looking forward to living again.
"And…we got to breathe again, to live as a family again. Talk to Abhaile, there’s no shame in getting helped back up on your feet."
Noleen thought there was no hope, until she decided to ask for help.
As a single mum, with a part-time job and supporting her young son, Noleen expected that a court possession hearing was the beginning of the end and she was going to lose her home. She struggled to understand what the lender was sending her or get her head around the numbers. She was doing what she could, but she felt it wasn’t enough.
That has all changed and by working with a Dedicated Mortgage Arrears adviser from MABS through the Abhaile scheme, Noleen has a payment plan in place and is secure in her home again. She has hope for the future.
“One meeting and I felt something I hadn’t felt in a long, long time – hope.“
John & Mary's Story
We are parents of a primary school going child. We have been through a very difficult period in our lives. I lost my permanent teaching position due to life/health circumstances, that could happen to anyone. My husband is a tradesperson. He, like many others, depended on the construction sector for employment. This sector imploded from 2006, due to the recession. We were left with a new baby, a large house with a large mortgage, no income.
“MABS brought us from near repossession and desperation to gaining a pathway towards financial stability and keeping our family home“
I had been struggling with my mortgage for around 4/5 years after taking a huge pay cut at work, to say I was stressed was an understatement, I couldn’t remember the last time I slept properly or was really relaxed and happy
“When I met MABS in person, even after the first meeting I felt a lot of the stress easing away“
I was terrified that day I had to go to court, I didn’t know what was going to happen. I thought I was going to loose my house.
I met this lady from MABS just outside the courtroom and she explained exactly what was going to happen, even that put me more at ease.
“MABS showed complete understanding and were non-judgmental“
Orla & Dave's Story
We'd been in arrears for a good few years on both the mortgage and our credit union loan. We tried to pay a little off each to keep everyone happy but we were getting calls mostly about the mortgage. It's a vicious circle when you are trying to pay as much as you can.