It can be hard to know where to turn when you are in financial difficulty but you have options. Here is a list of agencies and some recent publications that can offer you help and guidance on controlling your debt as well as providing information regarding state benefits which you may be entitled to.
MABS (Money Advice and Budgeting Service)
As soon as money becomes a problem, we recommend you also make an appointment with MABS. A Government agency with offices all over Ireland. MABS can give you free, confidential and independent advice on your debt problems.
www.mabs.ie Telephone 1890 283 438
Keeping your home website
This website is provided by the Citizens Information Board and MABS and provides information on services and entitlements available to mortgage borrowers who may be experiencing difficulties making mortgage repayments.
Mortgage Arrears Information Helpline
The Mortgage Arrears Information Helpline will offer independent and confidential information to borrowers in mortgage arrears or at pre-arrears stage.
Telephone 076 107 4050
StepChange Debt Charity
If you’re struggling with debt, StepChange Debt Charity offers free and impartial advice, and can recommend the best way for you to deal with your debts. Call them on Freephone 1800 937 435 or visit them online www.stepchangedebtcharity.ie
Mortgage Arrears Information and Advice Service (MAIAS)
The Bank strongly recommends that you obtain independent financial advice before entering into a Long Term Sustainable Solution. The Bank will make a contribution of €250 plus VAT (if applicable) towards the costs incurred by you in obtaining financial advice, in relation to the Long Term Sustainable Solution, from a participating accountant. The list of participating accountants can be found at www.keepingyourhome.ie or by calling the Mortgage Arrears Information Helpline at 076 107 4050.
Please note that this Website and Helpline operate independently of Danske Bank A/S.
The participating accountant from whom you seek independent financial advice will ask you to complete a form confirming you have been in receipt of Independent Financial Advice and authorising them to invoice the Bank directly.
Helping Homeowners website
This is a website launched by the Irish Banking Federation (IBF) to help homeowners who are, or may be about to, experience difficulties with their mortgage repayments. It also contains "Your Guide to dealing with Mortgage Repayment Difficulties" published by the IBF in conjunction with MABS. This straightforward consumer guide provides clear four-step advice as to what you as a borrower should do and also spells out what the lender will do.
Department of Social Protection
You may be entitled to help with your situation so you should be aware of any entitlements such as - if you are having difficulty paying your mortgage and you are getting a social welfare or Health Service Executive payment, you may qualify for Mortgage Interest Relief or a Mortgage Interest Supplement.
www.welfare.ie Telephone 1890 662 244
Central Bank of Ireland
The Central Bank of Ireland's website provides independent information on financial products and includes the Code of Conduct on Mortgage Arrears.
National Consumer Agency
The NCA provides independent information on financial products to help you take control of your finances.
www.itsyourmoney.ie Telephone 1890 432 432 or 01 402 5555
Citizens Information Board
The Citizens Information Board is the national agency responsible for supporting the provision of information, advice and advocacy on social services and for the provision of the Money Advice and Budgeting Service
www.citizensinformationboard.ie Telephone 1890 777 121
The Insolvency Service of Ireland
The ISI is an independent statutory body established to administer the various provisions of the Personal insolvency Act 2012. The mission of the ISI is to help restore people who are insolvent to solvency in a fair, transparent and equitable way.
www.isi.gov.ie Telephone 076 106 4200
Free Legal Advice Centres (FLAC)
If you need legal help but don't have the money, FLAC is an independent organisation offering free services on a range of legal issues such as social welfare and credit and debt.