If you are experiencing financial problems or you are having difficulties in regard to your loan repayments, please contact the BCU as soon as possible.

You will be guaranteed a sympathetic hearing. The worst thing that you can do is ignore the problem, as this could eventually lead to legal action being taken against you or affect future loan applications.

If for any reason you are going away or you are out of work please contact the credit union as soon as possible so that we can come to some mutually acceptable agreement. Once again BCU would urge all members not to panic or ignore your financial problems.

Talk to our Credit Control Department today by contacting our office.



Money Advice And Budgeting Service (MABS)

MABS ( offers free and confidential independent advice and assistance with managing your finances.

You may wish to seek assistance from Money Advice and Budgeting Service (MABS) Telephone 0761 07 2000.

The website at is provided by the Citizens Information Board and the Money Advice and Budgeting Service (MABS)

This website aims to provide comprehensive information on the services and entitlements available to mortgage borrowers who may be experiencing difficulties making mortgage repayments.

Stepchange Debt Charity Ireland

A free and independent telephone advice service for people who are struggling with debt or mortgage payments. They will review your financial circumstances and recommend the best way for you to deal with your debts.

Their Freephone helpline number is 1800 937 435. The line is available Monday to Friday from 9am until 5pm, and is free to call from landlines and mobiles.

The Central Bank

The Central Bank’s website provides independent information on financial products and includes a consumer guide to dealing with your lender on the Code of Conduct on Mortgage Arrears and the Consumer Guide to Completing a Standard Financial Statement
Telephone 1890 777 777

Citizens Information

The Citizens Information Board is the statutory body which supports the provision of information, advice and advocacy on a broad range of public and social services including health, employment, social welfare and money.

If you are in mortgage arrears or are worried about mortgage arrears, you can contact the Citizens Information’s new dedicated Mortgage Arrears Information helpline, phone 0761 074 050 (9.30am–5pm Monday to Friday).

Department Of Social Protection

The Social Welfare website provides information relating to job seekers allowance, mortgage interest supplement and other welfare benefits you may be eligible for.

Mortgage Interest Supplement

Mortgage Interest Supplement provides short-term support to help pay mortgage interest repayments. You should contact the Community Welfare Officer at your local Health Centre who will advise if you qualify and what documentation is required.

You may be eligible but are required to submit certain information, such as a copy of the original loan documentation with your claim. This can be arranged by contacting your branch who will forward the request to our central Home Mortgage Operations Unit who will follow up on these queries.

Office Of The Revenue Commissioners

This website will provide you with information on all tax credits and benefits to which you may be entitled

Financial Services & Pensions Ombudsman Bureau

3rd Floor Lincoln House Lincoln Place, Dublin 2.
Phone: 1890 88 20 90 (lo-call)
Fax: 01 662 0890

Insolvency Service Of Ireland

Under the Personal Insolvency Act 2012, you have the right to consult with a Personal Insolvency Practitioner.

For more information please refer to their website at

Itsyourmoney.Ie provides consumer information and education functions from the Central Bank of Ireland.

Consumer Helpline: 1890 432 432

Download the Mortgage Arrears Resolution Process (MARP) Booklett.