Unfortunately, when you miss a loan repayment, your account falls into arrears i.e. you have fallen behind on your loan repayments. If it remains in arrears our Credit Control Officer will contact you via phone, email or letter. If you find yourself in financial difficulty and unable to meet your credit union loan repayments, please contact our credit control officer before our credit control officer rings you. We’re here to help you through this difficult time.

If you have:

  • Become redundant or employment circumstances change,
  • Family circumstances have changed,
  • Are on a low income,
  • Fallen behind in loan repayments,
  • Are in ill health
  • Find yourself over-indebted
  • …And find it difficult to meet repayments

Then contact our Credit Control Officer on 094 9022969 extension 6 or email: to make an appointment.

Our Credit Control officer will:

  • Meet with you in private to discuss your overall situation,
  • Help you to write a realistic budget, if you wish,
  • Assist you in getting back on track with repayments
  • Meet with the credit control committee on your behalf and arrange a Change of Agreement, if necessary and if you wish.
  • And we do not charge our members a fee for this service!

If you find yourself having problems meeting your repayments on your credit union loan:

  • Don’t panic;
  • Do not ignore the problem — it will not go away;
  • Take immediate action; and

Contact our Credit Control officer today to arrange an appointment and start the process of getting back on your feet!


We understand that a growing number of members are experiencing difficulties meeting their loan repayments with the outbreak of Covid-19. Please complete the application form below and a member of our team will be in touch.