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Useful Contacts & Independent Advice

Pepper

Bank of Scotland plc has appointed Pepper Asset Servicing (“Pepper”) 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.

You should contact Pepper if you miss a mortgage repayment or if you believe that you may have difficulty meeting your mortgage repayments.

Address: Pepper Asset Servicing, PO Box 694, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co. Clare

Telephone: 1890 81 81 81 (ROI)
Telephone: 0800 783 2824 (NI/UK)

If you require assistance with completing the Standard Financial Statement, please contact Pepper.

Appeals

An appeal should be made in writing and addressed to the “Appeals Processing Unit” in Pepper, who act as our liaison, at the following address:

Address: Appeals Processing Unit, Pepper PO Box 694, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co. Clare.

Complaints:

Complaints can be made either by telephone or in writing to:

Address: Pepper Asset Servicing, PO Box 694, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co. Clare

Telephone: 1890 81 81 81 (ROI)
Telephone: 0800 783 2824 (NI/UK)

You can contact the Bank of Scotland for closed accounts on:

Telephone: 1890 20 03 09 (ROI)
Telephone: 1890 092 0757 (NI/UK)


Independent Advice

Money Advice and Budgeting Service:

MABS is a free confidential and independent service in the Republic of Ireland for people in financial difficulty.

Telephone: 1890 283 438

www.keepingyourhome.ie

www.mabs.ie

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: 1890 777 777

www.centralbank.ie

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:

www.itsyourmoney.ie

www.consumerconnect.ie

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 for which you may be eligible for.

www.welfare.ie

Office of the Revenue Commissioners

The website of the Revenue Commissioners offers information on all tax credits and benefits you may be entitled to in the Republic of Ireland, including Mortgage Interest Relief.

www.revenue.ie

Legal Aid Board

The Legal Aid Board provide legal aid and advice on matters of civil law to people unable to fund these services from their own resources.

www.legalaidboard.ie

Financial Services Ombudsman

The Financial Services Ombudsman is a statutory officer who deals independently with unresolved complaints from consumers about their individual cases with all financial service providers in the Republic of Ireland.

Address: The Financial Services Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland.

Telephone: 1890 88 20 90 / (01) 662 08 99

Email: enquiries@financialombudsman.ie.

You may find further useful information available at: www.financialombudsman.ie.

Insolvency Service of Ireland

The Insolvency Service of Ireland is a statutory body established under the Personal Insolvency Act 2012 and its functions include the provision of information to the public relating to the Act.

Address: Insolvency Service of Ireland, Block 2, Phoenix House, Conyngham Road, Dublin 8.

Telephone: 076 106 4200

www.backontrack.ie

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.