We completely understand that there are circumstances that can cause you to fall behind on your repayments. We also understand that this will likely be a very worrying time for you.
We will work with you to find a way to help make your repayments a little more manageable. If you are currently in arrears, or feel that you may soon fall behind on repayments, please contact us as soon as you can. This will give us both the best chance to work together on a solution.
How to contact us
Phone: 01-8300 600 (Option 4)
Filling in the Statement of Means, which you can find below, will give us a better understanding of your current financial situation and allow us to help you more effectively. This can be submitted along with your repayment proposal to the email address above.
You may wish to contact the Money Advice & Budgeting Service (MABS) on 0761072000 or www.mabs.ie
It's a national, free, confidential and independent service for people in debt or in financial difficulty.
Customers in arrears who have not engaged with us in relation to missed payments may be referred to CMOS (Credit Management Outsource Solutions). CMOS staff are fully trained to negotiate a repayment plan once you've been referred to them. CMOS can be contacted on 01-5547894.
IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING AND LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.