We’re here to support you through difficult times.

Like many of our customers, your financial situation may have changed in recent years. 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.

You can be considered to be in financial difficulty when income is insufficient to cover reasonable living expenses and meet financial commitments as they become due. This may result from a change in lifestyle, often accompanied by a fall in disposable income and/or increased expenditure, such as:

• loss of employment;
• disability;
• serious illness;
• relationship breakdown;
• death of a family member;
• lower salary;
• parental/carer leave;
• starting full-time education

Signs or indicators that you may be at risk of being in financial difficulties may include:

• regular unarranged overdrafts or excesses on agreed overdraft facilities;
• regular returned items or refused authorisations in respect of Point of Sale or ATM transactions;
• frequent requests for increased overdraft limits; and
• missed or overdue payments. 

This list is not exhaustive, nor do the above necessarily mean that you may be at risk of being in financial difficulties.

Concerned about your mortgage repayments?

Our focus is to keep our customers in their family home wherever possible, where they are working with us to prioritise their mortgage repayments. If you have any concerns, please contact us today.
We have a specialised team who are available to discuss your concerns. They can also arrange a review of your financial circumstances and work with you to find a resolution, where possible.

Contact us today regarding mortgage repayments:

Call us:  028 9082 1682 _{(Monday to Friday 9am - 5pm)}   
E-Mail:   ftb.mortgagearrears@aib.ie
Download our practical guide to:  

1. Help you manage your mortgage payments
2. Help you understand the options available
3. Finding a suitable resolution

Concerned about managing other loans and borrowings?

At different life stages, and for many reasons, the family budget can come under strain. It is very important not to ignore the early signs of financial difficulty or stress. Talk to us today; we can help you get a clear picture of your finances, and explore a range of options to help ease the burden.

Call us:  028 9082 1682 _{(Monday to Friday 9am - 5pm)}   
E-Mail:   ftbcollections@aib.ie

Please do not include any personal information in your e-mail that could be of use to criminals (user names, passwords, online banking details, bank account and credit card details). Please include only your name and a contact telephone number with your query and we will contact you by return.

In all circumstances, you are free to use any source of financial advice and support you choose and we will be happy to deal with your representative if you provide written authorisation to do so.  

Text Reminders for AIB (NI) Mortgage, Loan or Credit Card Customers in financial difficulty

AIB (NI) may text you if you have a payment shortfall on your Mortgage, Loan or Credit Card account, or if you are experiencing financial difficulty.

The text was previously delivered from the number '51500'. This number has since been replaced with 'First Trust' as we feel this is more recognisable for our customers. We sign the texts 'AIB (NI)' and will not ask you for any online banking details, account numbers or PIN numbers. You will be asked to contact our Retail Financial Solutions Group (Retail FSG) by phone 02890 821682 or by email to ftb.mortgagecollections@aib.ie (for Mortgage) or ftbcollections@aib.ie (for Loan & Credit Cards).

Other Information:

The following are some organisations that provide information on the services and entitlements available to mortgage borrowers who may be experiencing difficulties:

Step Change Debt Charity
Free, confidential advice and support to anyone who is worried about debt.
0800 138 1111
www.stepchange.org

National Debtline
Free, confidential and independent advice on how to deal with debt problems over the phone or by email.
0808 808 4000
www.nationaldebtline.org

MoneyHelper
MoneyHelper is independent and set up by government to help people make the most of their money by giving free impartial pensions and money guidance to everyone across the UK.
0800 138 7777
Visit moneyhelper.org.uk.

The Financial Conduct Authority
www.fca.org.uk

The Citizens Advice Bureau
www.citizensadvice.org.uk

The Lending Standards Board
The Bank is a Registered Firm with the Lending Standards Board (LSB). We adhere to the LSB Standards of Lending Practice which set out standards of good practice for banks when dealing with lending and overdrafts for personal and business customers.

Visit: www.lendingstandardsboard.org.uk

The leaflet Dealing with Debt is a valuable publication which outlines how banks deal with customers in financial difficulties including the process involved and the main rights and responsibilities of customers and banks.