Dealing With Debt

If you’re struggling to meet your mortgage or other loan repayments, know that your bank or financial services provider is ready to help your situation.

The first step is to talk to your provider as soon as possible. Their experienced teams will explain all your options and work with you to find a way forward, whatever your situation.

If you’re struggling to meet your mortgage or other loan repayments, know that your bank or financial services provider is ready to help your situation.

The first step is to talk to your provider as soon as possible. Their experienced teams will explain all your options and work with you to find a way forward, whatever your situation.

Dealing with Mortgage Debt

Dealing with Loan, Credit Card and Overdraft Debt

Information on switching your home mortgage from a credit servicing firm

How can I contact my provider?

AIB – Visit www.aib.ie/i-am/worried-about-payments. If you are worried about mortgage payments, you should call 0818 251 008. If you’re worried about loan payments, you should call 01 7725714. If you are worried about credit card payments, you should call 01 668 5500.

Bank of Ireland – Visit personalbanking.bankofireland.com/financial-wellbeing/cost-of-living-hub. If you have already fallen into mortgage arrears you can call the dedicated Home Mortgage Line on 01 4883046. For queries on credit card, loans or overdraft repayments contact the dedicated team on 0818 200 334.

BCM – Customers can visit ww2.bcmglobal.com for further information or call +353 (0)1 654 8800.

Cabot – Visit www.cabotfinancial.ie/contact. For information on Promontoria Scariff Mortgage Accounts you can call 01-4649070 or email Scariff@cabotfinancial.ie. For other mortgage accounts call 01-4649172 or email ASU@cabotfinancial.ie.

EBS – For further information you can visit www.ebs.ie/worried-about-payments or you can call 0818 330 044.

Haven – For further information you can visit www.havenmortgages.ie/worried-about-payments or call 0818 280 280

KBC – Customers can visit www.kbc.ie/en-US/help/mortgage-support/managing-your-debt or call 0818 93 02 35 or email customerservices@kbc.ie.

Mars Capital Oak – Visit www.marscapital.ie/oak/financial-difficulties or contact the dedicated Arrears Support Unit (ASU) on freephone 1800 852 940 or, if calling from abroad, +353 1 267 8033.

Mars Capital Snow – Visit www.marscapital.ie/snow/financial-difficulties or contact the dedicated Arrears Support Unit (ASU) on LoCall 1800 816 207 or, if calling from abroad, +353 1 525 5624.

Mars Capital Warrington – Visit www.marscapital.ie/warrington-bay/financial-difficulties or contact the dedicated Arrears Support Unit (ASU) on LoCall 1800 816 121 or, if calling from abroad, +353 1 526 8580.

Pepper – For further information you can visit www.pepper-advantage.ie or call their Helpline on 0818 828 828.

PTSB – For further information you can visit www.permanenttsb.ie/help-and-support/help-with-banking/repayment-difficulties. If you are in arrears, call 1800 855 010 or +353 21 6013800.

Start – For further information you can visit www.start.ie or contact 1800 818 000 or 01 2096300.

Spry – Customers can visit www.spryfinance.ie/contact for further information or call (01) 5822 570 or email info@spryfinance.ie.

For information on switching mortgage from a credit servicing firm:

AIB – 0818 303 035 or visit Mortgage Switcher | AIB

Bank of Ireland – 0818 200 390 or visit Thinking of Switching? | Mortgages | Bank of Ireland

Permanent TSB – 0818 210 585 or visit Switching from another financial service provider | PTSB

Avant Money – www.avantmoney.ie

ICS Mortgages – www.icsmortgages.ie

Finance Ireland may be contacted through your broker. Further information is available here: www.financeireland.ie/products/residential-mortgages/overview

Alternatively, customers may also wish to talk to a mortgage broker for impartial advice on their options:

Association of Irish Mortgage Advisors – www.aima.ie

Brokers Ireland – www.brokersireland.ie

Important Notice: Customers should exercise caution when seeking or accepting offers of financial advice online or through social media. Beware approaches from individuals falsely presenting themselves as qualified financial advisers and offering debt management or debt clearance services for a fee. Engaging with unqualified advisers may result in receiving inappropriate or misleading advice not suitable for your circumstances. In some cases, these individuals may be attempting to obtain your personal information or money fraudulently. If you have doubts about any communication you have received, contact your bank or provider directly.