Mortgage Arrears Resolution Process (MARP)

Support at Enfield Credit Union

If you are experiencing financial difficulties, talk to us. Our friendly arrears support team are here to support you through difficult times.

Like many of our members, your financial situation may have changed over time.

You may be concerned about managing your borrowings, now or in the future. The sooner you contact us, the easier it will be for us to help.

At different life stages, and for many reasons, your budget can come under stain. It is very important not to ignore the early signs of financial difficulty or stress.

If you are experiencing financial difficulty, the first and most important step you can take it to talk to us today. Call us at 046 9541296 or e-mail creditcontrol@enfieldcu.ie and we’ll take it from there.

Alternatively, below are other helpful resources for Mortgage Arrears Assistance:

• Consumer Guide to Completing the Standard Financial Statement (SFS) – centralbank.ie
• Keeping Your Home – keepingyourhome.ie
• MABS, the State’s Money Advice and Budget Service – mabs.ie
• Insolvency Service of Ireland – isi.gov.ie or backontrack.ie
• MABS mortgage arrears section – Abhaile

Enfield Credit Union is here to help you manage your mortgage arrears responsibly and with care. Contact us today to discuss your options.

We have listed below some documents which will help you in your application:

• The MARP (Mortgage Arrears Resolution Booklet). This outlines the process for members who may find themselves in repayment difficulty;
• The SFS (Standard Financial Statement). This form will give us a full picture of your current household income and expenditure;
• Central Bank of Ireland’s guide to completing the SFS. This guide has been published by the Central Bank of Ireland and should be used when completing your Standard Financial Statement.

The most important thing should you find yourself in mortgage arrears or fear you may fall into arrears, is to contact us immediately so we can work together to find a suitable arrangement

We offer many services aimed at improving access to financial services and encouraging financial inclusion.