Useful Contacts
Certus Collections Team
You should contact the Certus Collections Team if you miss a mortgage repayment or if you believe that you may have difficulty meeting your mortgage re-payments.
Certus Collections Team, Certus, 124-127 St. Stephens Green, Dublin 2, Republic of Ireland
Telephone in Republic of Ireland: (01) 267 5803
Bank of Scotland plc Mortgage Appeals Board
You may submit an appeal in writing to the "Bank of Scotland plc Appeals Board" in the United Kingdom within 21 business days of receipt of notification of our decision. The grounds of appeal are set out in Step 5 of our MARP, see above.
The appeal should be addressed to the "MARP Appeals Processing Unit" in Certus, who act as our liaison, at the following address:
MARP Appeals Processing Unit, Certus, 124-127 St. Stephens Green, Dublin 2, Republic of Ireland
Certus will send the appeal to the "Bank of Scotland plc Appeals Board" in the United Kingdom who will consider your appeal.
Certus, on behalf of Bank of Scotland plc, will acknowledge receipt of the appeal in writing within 5 business days of the appeal being received.
Money Advice and Budgeting Service (“MABS”)
MABS is a free confidential and independent service in the Republic of Ireland for people in financial difficulty.
Telephone in Republic of Ireland: (0)1890 283 438
Central Bank of Ireland
The Central Bank’s website provides independent information on financial products and details of financial services providers. On the website you can find the text of the Code as well as a consumer guidance note "Mortgage Arrears-A Consumer Guide to Dealing with Your Lender" which you may find useful.
Telephone in Republic of Ireland: (0)1890 777 777
National Consumer Agency
The National Consumer Agency provides statutory consumer information and performs the education functions of the Central Bank of Ireland. This includes providing information on the Code. The following websites provide useful information for consumers:
Citizens Information
The Citizens Information Board is the statutory body in the Republic of Ireland which supports the provision of information, advice and advocacy on a broad range of public and social services including health, employment, social welfare and money.
www.citizensinformationboard.ie
Department of Social Protection
The website of the Department of Social Protection provides information relating to Job Seekers Allowance, Mortgage Interest Supplement and other welfare benefits in the Republic of Ireland you may be eligible for.
Office of the Revenue Commissioners
The website of the Revenue Commissioners will provide you with information on all tax credits and benefits you may be entitled to in the Republic of Ireland, including Mortgage Interest Relief.
Legal Aid Board
The Legal Aid Board provide legal aid and advice on matters of civil law to persons unable to fund such services from their own resources.
Financial Services Ombudsman
The Financial Services Ombudsman is a statutory officer who deals independently with unresolved complaints from consumers about their individual dealings with all financial service providers in the Republic of Ireland.
Write to: The Financial Services Ombudsman Bureau at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland.
Telephone in Republic of Ireland: (0)1890 88 20 90 / (0)1662 08 99
Email: enquiries@financialombudsman.ie.
You may find further useful information available at: www.financialombudsman.ie.
Financial Ombudsman Service (UK)
The Financial Ombudsman Service (UK) is an official independent expert in settling complaints between consumers and businesses providing financial services in the United Kingdom.
Write to: Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR, UK.
Telephone from Republic of Ireland: 00 44 300 123 9 123
Email: complaint.info@financial-ombudsman.org.uk.
You may find further useful information available at: www.financial-ombudsman.org.uk.
Bank of Scotland plc takes no responsibility for the external content of sites referenced above.
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