There are many reasons why someone may need help managing their mortgage – here are some examples:
- Long term illness
- Life events such as a bereavement, divorce or redundancy
- Language barrier
- Low confidence in managing finances
- Help with alternative formats to aid sight, hearing or speech
We understand that each situation and challenge is personal so we’ve put together some examples of what help is available.
If you want us to talk to someone else regarding your mortgage, we’re happy to do this – you could choose a professional, a charity, a family member or a friend to help. You’ll just need to give us authority to speak to them – this is called ‘granting third party authority’. The person you choose can talk to us about your mortgage, but will not be able to make any changes to your mortgage. If you’d like someone to make changes to your mortgage on your behalf you would need a power of attorney rather than a third party authority. Once you have decided who you would like to help you manage your mortgage simply let us know in one of the following ways: Download the form and send it to: Bank of Ireland If you haven’t got a printer, ask us to send one to you. We’ll need authority from everyone named on the mortgage. Each named person can contact us in the most suitable way for them – via the hub, post or phone. We’ll get in touch with the third party once we’ve received the form. *Calls are recorded for training and monitoring purposes. Lines are open 9am – 5pm Monday to Friday. 03 calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.Third Party Authority
Mortgage Services
PO Box 3191
Bristol
BS1 9HY
A lasting power of attorney (LPA) is a legal document that lets you (the ‘donor’) appoint one or more people (known as ‘attorneys’) to help you make decisions or make decisions on your behalf. You can find out how to do this using the following links: You can find further info on POA here. Once POA is granted and registered with the Office of the Public Guardian, the POA will need to provide us with:Appointing someone as your attorney
Once Power of Attorney has been granted
If you need information to be sent in an alternative format then we’re happy to help. We know that managing your finances online isn’t always easy. That’s why we have put together a guide to using your hub. Our guide gives you lots of information including hints and tips on: