There may be times when you're unable to make the required payments on your account, or are uncertain about how to maintain future payments.
We understand that this will likely be a very worrying time for you, and we're here to support you as much as we can.
How we can help
If you do feel you may be unable to afford your current minimum payment or feel that a change in circumstances may affect your ability to pay in the future, please let us know as soon as possible.
Getting in touch with us sooner and letting us know how things are can help avoid any charges being applied to your account. Our specially trained advisors are sympathetic and easy to talk to, and they will work with you to offer a tailored solution that will fit your needs.
Contact us
We’re available Monday to Friday, from 8am to 6pm and Saturday from 9am to 5pm (excluding phone lines). You can open a chat with us, call us on (+353) 1 830 600/ 1 830 800 (Option 4) or email us.
(Please include your full name, first line of address and eircode, so that we can find your account)
- Important note:
If you miss a payment, we will notify the Central Credit Register, as per the terms and conditions of your account. This could affect your ability to obtain credit in the future.
Ensuring you get in touch with us before your payment due date can help avoid this.
Options you can consider
Supporting charities
You may also wish to contact Mabs for free, independent advice:
MABS is a national, free, confidential, and independent service for people in debt or in financial difficulty.
Please get in touch with us; however, if you feel you may need further assistance, you may wish to contact the Money Advice & Budgeting Service (MABS) on
0818 07 2000 or visit www.mabs.ie.
Reducing your balance
If you're able to do so, we recommend paying off more than your minimum payment every month, as this can positively impact the overall interest you'll pay.
If you're concerned about the amount of interest you're currently paying, please contact us.
Top tip: if you're using your credit facility to purchase an expensive item, such as a sofa, making a payment upfront can help reduce your monthly payments and the amount of interest you'll pay.
Budget planning
If you need some help budgeting, there are tools available online. For an example, visit: MABS