Managing Your Debt

Our promise is that we will work with you and all our customers in financial difficulty to find sustainable solutions, always being clear and fair in our communications and dealings and always mindful and respectful of your individual circumstances. We wish to stress the importance of active engagement and co-operation between you, as the borrower, and KBC Dublin Branch, as the lender, in dealing with, or averting a financial difficulties situation. If you want to talk to someone, you can call us on 01-961 9800.

We have staff members who are specially trained to help you find solutions to your financial difficulties. If you have not already done so, please contact us on 01-961 9800 as the sooner we understand your difficulties, the sooner we can start to work together to find a solution. We will discuss a number of solutions which may be available to you to assist you to meet your financial commitments and help you avoid falling into arrears.

Find out more about Mortgages

We understand that the present economic climate presents difficulties for many of our customers. We are committed to assisting our customers who are experiencing financial difficulty or are concerned about their finances. Please contact us on 01-961 9800 so that we can work with you to find a solution.

Read more:
Information Booklet for the KBCI (now Exicon) Business Banking Financial Difficulty Process (pdf, 101KB)

If you require independent support in managing your debt, you can contact:

The Money Advice & Budgeting Service is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
MABS Helpline: 0818 07 2000
Visit their website: www.mabs.ie

Consumers have the opportunity to submit an appeal to KBC Dublin Branch Appeals Board in relation to a decision by us regarding any of the following:

• Where an alternative repayment arrangement is offered to you by KBC Dublin Branch and you are not willing to enter into such an arrangement
• Where KBC Dublin Branch declines to offer an alternative repayment arrangement to you
• Where KBC Dublin Branch classifies you as “non co-operating”

SME customers have the opportunity to submit an Appeal to us in relation to:

• A special term or condition required by KBC Dublin Branch in order to provide an Alternative Arrangement including conditions regarding security or guarantee requirements
• The refusal of KBC Dublin Branch to offer an Alternative Arrangement
• Being classified as Not Co-operating
  

Appeals by consumers or SME customers must be made in writing to KBC Dublin Branch Appeals Board within 20 business days of the receipt of our decision in writing.

For consumers, if you are not satisfied with the decision of the or KBC Dublin Branch Appeals Board, you have the right to contact the Financial Services and Pensions Ombudsman.