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'We'll just have to default if it comes down to paying rent'

Darren Kelly and his wife Melissa bought their two-bed Priory Hall apartment off the plans four years ago for €247,000, and both their children Evan (4) and Sophia (15 months) were born while they lived there.

They are now in Belmayne and on a mortgage moratorium, and like other couples, are experiencing what moratoriums do to interest levels on loans.

"We never thought we would still be in limbo a year after being moved out. We knew it wouldn't be sorted out in five weeks, but we definitely thought some solution would have been found by now," said Darren.


"We have been getting mortgage moratoriums and trying to deal with the banks, but now we use a financial advisor so all the communications on the mortgage goes to him instead. It makes it all a little less stressful," he added.

"But the moratoriums have already added €200 a month to the mortgage, and we're to the pin of our collar at the moment. If it comes to having to pay rent, we will have no other option apart from defaulting on the mortgage," Darren explained.

"Where that will leave us I don't know, but paying both -- it's a non-runner, and I have to put a roof over our heads some way," he added.

"We have never been in arrears before, and it's not anything we ever considered would happen to us until we were put out of Priory Hall. I don't know how or when the situation will be resolved," Darren explained. "The kids still have no place to call home," he added.

Asked if he ever thought he could see himself moving his family back into Priory Hall, Darren's answer was straight.

"Any of the goodness that was there is well gone now. I don't think I could ever look upon it as our home anymore. There is too much resentment after what has happened."