Abhaile Case Studies - Mike & Louise's Story

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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.

Everyone’s got their story to tell, this is ours.

We were just weeks away from our wedding day when Mike got the call from his boss to say he’d be on the dole from next week. Our lives came crashing down around us, all I could think about was our young children, just babies at the time. Mike was already thinking about how we were gonna pay the mortgage.

We were back and forth with the lender for years, eight years in fact, but we never reached a solution. Then the letter came, calling us to court. To take away our home.

Walking into the court-house, not knowing what lies inside, I saw other people from the town, with our names on the TV screen above. We weren’t criminals – we were just trying to pay our mortgages, but it still felt like we were in the wrong.

The registrar said it would take a while but that there were people here from MABS as part of the Abhaile Scheme if we wanted to talk to them. Jill* came over and introduced herself and asked about our case. From that moment I felt like we had someone who genuinely cared about us, we weren’t just another reference number.

We made an appointment with Jill to look at our options, she mentioned the Mortgage To Rent scheme so we went with that. She helped us to fill out all the paperwork and we were deemed eligible for social housing, and an approved housing body said they’d look at our case.

Anyone out there in the same boat, talk to the guys in Abhaile, you won’t regret it. For the longest time we felt we were alone but everyone in Abhaile, they gave us hope again.

"Anyone out there in the same boat, talk to the guys in Abhaile, you won’t regret it. For the longest time we felt we were alone but everyone in Abhaile, they gave us hope again."

Does this story sound familiar? We hear stories like that of Mike and Louise on a weekly basis. There is hope and it is through engagement with the professionals working with the Abhaile scheme that long-term and permanent solutions are possible.

If you have a story similar to Mike and Louise and do not know where to turn, then turn to the free support available through Abhaile.

If you or someone you know is in mortgage arrears, please reach out to the free supports available to you through Abhaile. Get started by calling 0761 07 2000 and speaking with an adviser today.