Being classified as a "not co-operating" borrower means that you have not engaged with us regarding your financial situation. This can lead to serious consequences, including:
You can be classified as not co-operating under the Central Bank of Ireland's Code of Conduct on Mortgage Arrears (CCMA) if any of the following apply to your particular case:
And in (i) or (ii) above, you have either:
See the Central Bank of Irelands Code of Conduct on Mortgage Arrears for more information.
Communication is key to avoiding classification as a not co-operating borrowers. Failing to fully engage with us could result in being classified as not co-operating, which is something we want to help you avoid. Please reach out to us as soon as possible if you are experiencing any financial difficulties.
We're here to help you navigate these challenging times and find the best path forward. Your proactive communication can make a significant difference. Here's how you can stay in touch:
Visit our Mortgage Arrears section for useful information and resources for customers experiencing difficulties repaying their mortgage.
To arrange a payment due on your mortgage, you can: