Take the first step towards finding a resolution and talk to us today.

 

Whatever the cause of your financial problems, the most important thing is to face them and examine the practical options available to you. Allied Irish Bank (GB) is committed to helping customers who might be experiencing financial difficulty with their mortgage repayments. If you are in arrears on your repayments or anticipate finding yourself in such a position, it is important not to ignore the problem – talk to us at your earliest opportunity.

 

 

How we might be able to help:

 

We realise that a change in personal circumstances, such as job loss, reduced income, illness or separation/divorce, can impact on the ability to afford mortgage repayments. We are here to help, and will work with you to manage your situation.

 

Financial Review:

 

We have a specialised team who are available to discuss your concerns. They can also arrange a review of your financial circumstances and work with you to find a resolution, where possible. Where there is a workable solution, we will make the necessary arrangements and confirm details in writing to you.

 

As part of the financial review, you will need to provide some paperwork and complete an Income and Expenditure form. We will then use this information to thoroughly assess your circumstances. The form is designed to help you set out your current financial situation and allow us to identify the best approach in order to help you. 

 

We can provide assistance in completing the form if required. This document refers to customers who have a mortgage that was used for the purchase of their private residence. It does not apply to cases where the customer(s) can afford to pay their mortgage but choose not to. It is important to realise in all cases that your home may be repossessed if you do not keep up repayments on your mortgage.

 

Download our practical Guidance to Mortgage arrears here to:

 

1.  Help you manage your mortgage payments

2.  Understand the options available

3.  Find a suitable resolution

 

 

Contact us to discuss your concerns:

 

Telephone: (0)28 9082 1682

E-mail: gb.mortgagerears@aib.ie

 

Please do not include any personal information in your e-mail that could be of use to criminals (user names, passwords, online banking details, bank account and credit card details). Please include only your name and a contact telephone number with your query and we will contact you by return. 

 

In all circumstances, you are free to use any source of financial advice and support you choose and we will be happy to deal with your representative if you provide written authorisation to do so. 

 

 

 

Other Information:

 

The following are some organisations that provide information on the services and entitlements available to mortgage borrowers who may be experiencing difficulties:

 

Step Change Debt Charity

Free, confidential advice and support to anyone who is worried about debt.

(0)800 138 1111

www.stepchange.org

 

National Debtline

Free, confidential and independent advice on how to deal with debt problems over the phone or by email.

(0)808 808 4000

www.nationaldebtline.org

 

The Money Advice Service

Free information and advice on money matters over the phone, through online chats or face to face.

(0)800 138 7777 

www.moneyadviceservice.org.uk

 

The Financial Conduct Authority

www.fca.org.uk

 

The Citizens Advice Bureau

www.citizensadvice.org.uk

 

Help and Guidance

 

Help Centre

For all service related queries please visit our Help Centre.

 

 

Downloads

 

Guide to Mortgage Arrears

Tariff of mortgage charges

Income and Expenditure Form

Important Information

 

Availability of credit depends upon our assessment of your financial position. We encourage you to take independent legal advice to ensure that you understand your commitment and the possible consequences of your decision.

 

Please note that security and insurance may be required.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

Text Reminders for Allied Irish Bank (GB) Mortgage Customers in Financial Difficulty

 

From January 2017, Allied Irish Bank (GB) may text you if you have a payment shortfall on your Mortgage or if you are experiencing financial difficulty

 

The text will come from +447xxxxxxxxx. This is a number for texting only and it won’t answer if you ring it. We will identify ourselves straight away as ‘AIB GB’ and will not ask you for any online banking details, account numbers or PIN numbers. You will be asked to contact our Retail Financial Solutions Group (Retail FSG) by phone 02890 821682 or by email to: gb.mortgagearrears@aib.ie

 

Telephone: (0)28 9082 1682

E-Mail: gb.mortgagearrears@aib.ie

 

Please do not include any personal information in your e-mail that could be of use to criminals (user names, passwords, online banking details, bank account and credit card details). Please include only your name and a contact telephone number with your query and we will contact you by return.

 

In all circumstances, you are free to use any source of financial advice and support you choose and we will be happy to deal with your representative if you provide written authorisation to do so.

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