Mortgage Arrears Resolution Process Booklet

YOU CAN APPEAL You can appeal a decision made by us during the MARP, including where:

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We offer you an ARA, but you are not willing to enter into the ARA offered.

We decline to offer an ARA.

We have classified you as ‘not co-operating’.

Appeals Board Arrears Support Dept. Altura Credit Union Ltd. McDermott St., Gorey, Co. Wexford. Y25 XV05

YOU MUST WRITE TO US WITHIN 20 BUSINESS DAYS OF RECEIVING A LETTER FROM US IN RELATION TO ONE OF THE ABOVE SCENARIOS, SETTING OUT THE REASON FOR THE APPEAL, AND ADDRESS YOUR APPEAL TO:

The Appeals Board will acknowledge your appeal in writing within 5 business days of receiving your appeal. The Appeals Board will provide you with regular written updates on the progress of your appeal at intervals of not more than 20 business days. The Appeals Board will consider and adjudicate on your appeal within 40 business days of receiving the appeal and will notify you in writing of their decision within 5 business days of their decision. If you are unhappy with a decision of the Appeals Board, you have the right to refer the matter to the Financial Services Ombudsman (see Useful Contacts on pages 14 & 15).

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Contact Us: 053 94 88709 | arrearssupport@alturacu.ie

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