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Retail Mortgages

On 2 July 2018, Bank of Scotland plc (“BOS”) issued letters to its customers advising them that it had agreed to transfer its mortgage loan agreements with them (the “Mortgages”) to Pepper Finance Corporation (Ireland) DAC trading as Pepper Asset Servicing (“Pepper”).

In line with the abovementioned letters, BOS transferred the Mortgages to Pepper on 28 September 2018 (the “Transfer Date”).  Pepper holds legal title to the Mortgages on trust for Erimon Home Loans Ireland Limited (a subsidiary of Barclays Bank PLC) or its nominee (the “Beneficiary”).

All of the rights of BOS under the Mortgages have transferred to Pepper and the Beneficiary.  From the Transfer Date, Pepper is the new lender of record in relation to the Mortgages.

If you have been informed that your mortgage has been transferred by BOS please see the contact details below:


If your mortgage was transferred to Pepper please contact Pepper on:

1890 81 81 81


If your mortgage was sold to Tanager Limited please contact Tanager on:

0818 555 390


If your mortgage was sold to Start Mortgages please contact Start on:

1850 818 000

Other Products

Retail Non Mortgage

Credit Balances & Copy Statements

Bank of Scotland plc has appointed Pepper Asset Servicing to provide customer support and administration services to Bank of Scotland plc and to support Bank of Scotland plc in the management of its business in Ireland and Northern Ireland.

Telephone calls may be recorded to confirm instructions given and for quality control, training and regulatory purposes.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Financial Services Register no. 169628.