We’re here to support you through difficult times.

Like many of our customers, your financial situation may have changed in recent years. You may be concerned about managing your borrowings, now or in the future. The sooner you contact us, the easier it will be for us to help.

 

You can be considered to be in financial difficulty when income is insufficient to cover reasonable living expenses and meet financial commitments as they become due. This may result from a change in lifestyle, often accompanied by a fall in disposable income and/or increased expenditure, such as:

 

  • loss of employment;
  • disability;
  • serious illness;
  • relationship breakdown;
  • death of a family member;
  • starting a lower paid job;
  • parental/carer leave;
  • starting full-time education; and
  • imprisonment.

 

Signs or indicators that you may be at risk of being in financial difficulties may include:

 

  • regular unarranged overdrafts or excesses on agreed overdraft facilities;
  • regular returned items or refused authorisations in respect of Point of Sale or ATM transactions;
  • frequent requests for increased overdraft limits; and
  • missed or overdue payments in respect of products held by you; 

 

This list is not intended to be exhaustive, nor are the above necessarily indicators that you may be at risk of being in financial difficulties. 

 

Concerned about your mortgage repayments?

Our focus is to keep our customers in their family home wherever possible, where they are working with us to prioritise their mortgage repayments.

 

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.

 

Contact us today regarding mortgage repayments:

 

Call us:  028 9082 1682 (Monday to Friday 9am - 5pm)   

E-Mail:   ftb.mortgagearrears@aib.ie

 

Download our practical guide to:  

  1. help you manage your mortgage payments
  2. help you understand the options available
  3. finding a suitable resolution

 

Concerned about managing other loans and borrowings?

At different life stages, and for many reasons, the family budget can come under strain. It is very important not to ignore the early signs of financial difficulty or stress. Talk to us today; we can help you get a clear picture of your finances, and explore a range of options to help ease the burden.

 

Call us:  028 9082 1682 (Monday to Friday 9am - 5pm)   

E-Mail:   ftbcollections@aib.ie

 

We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.

 

The leaflet Dealing with Debt is a valuable publication which outlines how banks deal with customers in financial difficulties including the process involved and the main rights and responsibilities of customers and banks.

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