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It sets out 10 practical steps for co-operating, communicating, using the Mortgage Arrears Resolution Process, seeking financial and legal advice, completing the Standard Financial Statement, understanding appeals, and checking eligibility for government support. 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This Code relates to the mortgage payments on your sole or main property.  \nThe CCMA sets out a range of rules which lenders must follow. This guide lists 10 important steps that you can take to make the process as smooth as possible, followed by a summary of the CCMA, including information on:  \n» Dealing with your lender  \n» The information your lender must give you  \n» The Mortgage Arrears Resolution Process (MARP)  \n» Appeals  \n» Repossession  \n 10 Important Steps  \nHere are 10 steps that you can take to make the process as smooth as possible:  \nIt is very important that you co-operate with your lender. Not  \n 1 co-operating can have serious consequences, such as your lender starting legal proceedings for repossession. It may also affect your eligibility for a Personal Insolvency Arrangement.  \n| \u003Cbr>2 | Don’t ignore any communications from your lender. They must help you to try to resolve your situation and it is important that you provide your lender with all the information they need to assess your case. Keep in touch with your lender and inform them immediately if there is any change in your circumstances. |\n| --- | --- |\n| \u003Cbr>3 | Read all the information given to you by your lender includingthe MARP (Mortgage Arrears Resolution Process) booklet, which your lender will provide you with. This booklet sets out important information about the process which you should familiarise yourself with. |\n\nPage 2 of 10  \n4  \nAsk your lender questions if there is anything you are unsure about or if you need further information.  \n\n| \u003Cbr>5 | Consider getting independent financial and/or legal advice\u003Cbr>because it is important to carefully consider the advantages and disadvantages of any offer. It is especially important to get financial and/or legal advice if you have a tracker mortgage and your lender is offering you an alternative repayment arrangement that requires you to change to another mortgage type. [www.keepingyourhome.ie](www.keepingyourhome.ie) has information on where you can get advice. |\n| --- | --- |\n| \u003Cbr>6 | When your lender asks you to do something, for example, provide information or supporting documentation, agree what exactly you have to do and a reasonable amount of time to do it with your lender and stick to it. If you think you might need more time, be sure to let your lender know and agree on an extended timeframe. |\n| \u003Cbr>7 | The Standard Financial Statement (SFS) is there to help you and your lender assess the best solution to suit your circumstances.\u003Cbr>Make sure you complete it accurately and provide all the necessary information. Your lender must offer to assist you with completing the SFS and you can read the Central Bank of Ireland’s  Consumer Guide to Completing a Standard Financial Statement\u003Cbr>which will also help. |\n| \u003Cbr>8 | Know your rights about making an appeal and/or complaint. If you are not happy with the way that your lender is dealing with you or if you think they are not complying with the CCMA, you can make a complaint to your lender. You can also make an appeal to the lender’s Appeals Board if you are not happy with the arrangement offered to you or if you think you have been wrongly classified as not co-operating. |\n| \u003Cbr>9 | Check if you are entitled to any government support, such as mortgage interest relief or Mortgage Interest Supplement. If you have payment protection insurance, check if you can make a claim on that policy. |\n\n10  \nDon’t ignore the problem. Arrears won’t go away and ignoring them can have serious implications for you and your family, including potentially losing your home. It is important t","cbCaivJ1DoymxQgJ","https://ap.wps.com/l/cbCaivJ1DoymxQgJ","pdf",626011,"English","# Introduction\n# 10 Important Steps\n# Dealing With Your Lender","[{\"question\":\"What should you do first if you are having trouble paying your mortgage?\",\"answer\":\"Co-operate with your lender and contact them as soon as you are in financial difficulty. Ignoring the problem can lead to serious consequences, including legal proceedings for repossession.\"},{\"question\":\"What is the MARP and how is it used?\",\"answer\":\"MARP (Mortgage Arrears Resolution Process) is part of the information your lender provides. Familiarising yourself with it helps you understand the process for resolving arrears.\"},{\"question\":\"How does the Standard Financial Statement (SFS) affect the lender’s decision?\",\"answer\":\"The SFS helps gather your financial information so your lender can assess your situation and consider whether your mortgage should be re-scheduled and what alternative repayment arrangement may be appropriate.\"}]","Mortgage Arrears – A Consumer Guide to Dealing with your Lender | PDF",1791036519,25]