Financial Difficulties

Help and Advice

We have a dedicated Arrears Support Unit (ASU) available to work with you if you are having repayment difficulties or are worried that repayment problems may arise. 

Call us today on Freephone 1800 852 940 or, if calling from abroad, +353 1 267 8033

Our approach to managing arrears and defaults is to engage in dialogue with borrowers so that we can fully understand their circumstances and find a suitable solution to their problems.

We encourage borrowers who may be encountering, or are concerned about, financial difficulties to speak to us as soon as possible. This is particularly important because the sooner you do so the greater the chance, we have of being able to come to a satisfactory resolution with you to address these difficulties.

Lenders are restricted from imposing charges and/or surcharge interest on arrears arising on a mortgage account in arrears to which the Central Bank’s Code of Conduct on Mortgage Arrears applies unless the borrower is not co-operating. If you are not co-operating, charges may apply in line with regulation, facility documentation and security documentation. Such charges may include surcharge interest.

Mars Capital Finance Ireland DAC does not currently impose any charges on customers who are not co-operating with us. Further, we do not currently impose any fees or charges in relation to the products or services we offer.

We strongly advise that you take appropriate independent financial and/or legal advice in relation to your mortgage loan account. The following sources of information may be helpful to you:

Central Bank of Ireland

You will find information about the SME Regulations and other relevant regulations and codes on the Central Bank of Ireland (CBI) website.

Phone: 1890 777 777
Email: enquiries@centralbank.ie
Website: www.centralbank.ie

Citizens Information
The Citizens Information website has information on public services and entitlements. It is provided by the Citizens Information Board. It also has contact details for all Citizens Information centres around the country. 

Phone: 0761 074000
Website: www.citizensinformation.ie

Citizens Information Board
The Citizens Information Board (CIB) website has information on the services and entitlements available if you are having difficulties paying your rent or making your mortgage repayments. The website also has contact details for all Citizens Information centres around the country.

Phone: 0761 074000
Website: www.citizensinformationboard.ie

Data Protection Commissioner
The website for the Office of the Data Protection Commissioner has information on individuals’ rights and organisations’ responsibilities on storing and using personal data. It also provides guidance on how these rights and responsibilities apply in different situations.

Phone: 1890 252 231
Email: info@dataprotection.ie
Website: www.dataprotection.ie

Department of Social Protection
The Department of Social Protection website provides details on Jobseeker’s Allowance and other welfare benefits that you may be entitled to. This government website has contact details for all local branches of the department.

Website: www.welfare.ie

Financial Services and Pensions Ombudsman
The Financial Services and Pensions Ombudsman (FSPO) in the Republic of Ireland deals with unresolved complaints from personal consumers and smaller enterprises about their dealings with regulated financial service providers. It is a free service. For information about your right to refer the matter, please contact:
Financial Services and Pensions Ombudsman Lincoln House, Lincoln Place, Dublin 2, D02 VH29.

Phone: (01) 567 7000
Email: info@fspo.ie
Website: www.fspo.ie

Financial Ombudsman Service (UK)
If your lender is a member of the scheme operated by the Financial Ombudsman Service (FOS) in the UK, you will also have the right to refer your complaint there. The FOS deals with unresolved complaints from personal consumers and smaller enterprises about their dealings with regulated financial service providers. It is a free service. For information about your right to refer the matter, please contact:

Phone: 0800 023 4 567 or 00300 123 9 123 (within UK) +44 020 7964 0500 (from outside the UK)
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Free Legal Advice Centre
The Free Legal Advice Centre (FLAC) provides free legal services to the public in the four main areas of legal aid, social welfare, credit and debt, and public interest law. The FLAC website has contact details for all local Legal Advice Centres.

Phone: 1890 350250
Website: www.flac.ie

Insolvency Service of Ireland
The Insolvency Service of Ireland’s (ISI) aim is to help restore insolvent people to solvency in a fair and transparent way. The ISI is an independent statutory body. Its website explains the options available for people who are in debt and who do not see themselves being able to repay their debts in the next few years.

Phone: 0761 064200
Website: www.isi.gov.ie

Keepingyourhome.ie
Keepingyourhome.ie is a website run by the Citizens Information Board and MABS. It provides information on the services and entitlements available if you have difficulties making your mortgage repayments. It also provides information on the Mortgage Arrears Resolution Process (MARP).

Website: www.keepingyourhome.ie

MABS
MABS (the Money Advice and Budgeting Service) is a national, free, confidential, independent service for people in debt difficulties or in danger of getting into debt difficulties. Its website provides useful budgeting tools and help on completing the SFS or the I&E (see the MABS Guide to the Code of Conduct on Mortgage Arrears). It also has contact details for all local MABS branches.

Phone: 0761 072000
Website: www.mabs.ie

Abhaile
Abhaile is a service available through MABS to help homeowners find a resolution to home mortgage arrears. It provides free confidential and independent financial and legal advice and help from experts. You can find out more about this service by contacting MABS on their helpline Monday to Friday 9am to 8pm.

Phone: 0761 072000
Website: www.mabs.ie/abhaile

Mortgage Arrears Information Helpline
The Mortgage Arrears Information Helpline is provided by the Citizens Information Board. It provides information on the Code of Conduct on Mortgage Arrears and the supports available for people who have fallen behind on their mortgage payments or are at risk of doing so.

Phone: 0761 074050

National Consumer Agency
The National Consumer Agency defends consumer interests. It is a statutory body whose website has useful resources for households, including budgeting information and budgeting tools.

Phone: 1890 432432
Website: www.ccpc.ie/consumers

Office of the Revenue Commissioners
The Revenue Commissioners provide information on all tax credits and reliefs that you may be entitled to. They also have contact details on all of their local branches.

Website: www.revenue.ie

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 or visit them online.

Phone: 1800 937 435
Website: www.stepchangedebtcharity.ie

Competition and Consumer Protection Commission
Provide information to consumers about their rights, personal finance and product safety, through a consumer helpline, a dedicated section of our website, public awareness campaigns and through our various financial education initiatives.

Website: www.itsyourmoney.ie

Housing Agency website
Provides information on requirements for Mortgage to Rent as an alternative resolution to financial difficulties. 

Website: www.mortgagetorent.ie

Please use the following link to access our Documentation & Guides: Download Centre