Ireland:

Our ultimate goal is to find a resolution to your financial difficulties – so please talk to us so we can start working with you today.

This section only applies to personal loans or loans which relate to buy-to-let or investment properties. If your loan relates to your primary residence, please go to the section on Home Loan Mortgages.

How we can help

Communication is the most important step. If you’re worried that you won’t be able to meet your next repayment or if you find yourself behind with your repayments, please contact our Arrears Support Unit (‘ASU’) at the details below:

Call: +353 (0)1 654 8800 (Mon-Fri 9am to 5.30pm, excluding bank holidays).

Email: [email protected]

Once you get in touch, our ASU can work with you to explore the different options available to you.

Statement of Affairs

To ensure we have a clear picture of your financial situation, we will ask you to complete a form called a Statement of Affairs (‘SOA’). The SOA details key information such as income, expenditure and outstanding debts, and it will allow our ASU to fully understand your current position. It is therefore important that the SOA is completed fully, honestly and accurately, and that all relevant disclosures are made.

We will request documentation from you to support the information provided in the SOA, such as copies of payslips, bank account statements and other relevant information. If you need help completing the SOA, call our ASU on +353 (0)1 654 8800. They will be happy to talk you through any queries you might have.

Download Statement of Affairs (Excel).

Download Statement of Affairs (PDF).

Guidance, Booklets & Forms

BCMGlobal has a range of guidance, booklets and forms available to assist you. You can find this here.

Change of Address / Contact Details

Please use this form to notify BCMGlobal of any changes to your address or contact details.

MARP Booklet

This booklet summarises the MARP process for customers in financial difficulties that apply to loans relating to your primary residence – typically your home or your only Irish property.

Standard Financial Statement (‘SFS’)

The SFS is a form required as part of the MARP, and details key information such as income, expenditure and outstanding debts.

A blank version of the SFS can be downloaded here.

A Consumer Guide to Completing the Standard Financial Statement (SFS) SFS can be downloaded here.

Should you need assistance in understanding any of this guidance, please do not hesitate to contact us.

Information Booklet for SMEs

This booklet summarises the process that applies to SMEs that are facing financial difficulties.

New Variable Rate Policy Statements

• General Statement
• Havbell DAC
• Seaconview

WARNINGS:

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

If you have a variable rate mortgage:

WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

If you have an endowment loan:

WARNING: There is no guarantee that the proceeds of the insurance policy will be sufficient to repay the loan in full when it becomes due for repayment.

If you have an interest-only arrangement:

WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

If you have a debt consolidation arrangement:

WARNING: This new loan may take longer to pay off than your previous loans. This means you pay more than if you paid over a shorter term.