Lending Appeals Process

Informing you about this process is part of our commitment to supporting you and your business.

The right type of funding can play a vital role in helping your business reach its potential. Our business lending appeals process enables you to appeal against a lending decision if your lending application has been declined or you are not completely satisfied with the terms of the lending offer, for example the need to provide security, regular financial trading information or up-to-date property valuations.

How can I be assured the appeals process works?

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

The external reviewer provides an independent assessment of the appeals process. However, they do not review individual lending decisions or accept appeals directly from customers in the event of a complaint.  To ensure banks have the correct processes to handle appeals fairly and effectively themselves, the independent external reviewer publishes an annual report, detailing how banks are performing.