Payment arrears - your options
We are committed to treating customers fairly and so if you are unable to make payments or have fallen into arrears we will work closely with you to find solutions and offer options to address any arrears.
If you are going to or have already missed a payment, please reach out to us as the sooner we are aware of the issues the sooner we can assist and discuss the options available to you.
What does it mean to be in arrears?
Your account goes into arrears when a scheduled payment is missed or not made in full by midnight on the due date.
Missed Payment Advice
We will send you an SMS and an email advice on the due date letting you know the payment has been unsuccessful. This will let you know how to make a payment.
Payment retry
If no payment is received by 11pm on the due date we will retry for the payment the next morning.
Dishonour fee
If no payment is received by 12pm the day after the due date then a €9 dishonour fee will be charged and added to the payment amount required to meet the arrears.
Partial payment
If you make a partial payment your loan will still go into arrears but no retry will be attempted and no dishonour fee will be charged.
Restrictions
While you are in arrears on any loan agreement you will not be able to:
- Make a new application for further credit
- Make a new purchase with existing approved credit
- Make an amendment to your existing loan agreements such as change a payment date.
Credit reporting
For all loans of €500 and over we are legally obliged to report on the performance of a loan at the end of each month to the Central Credit Register. If arrears continue beyond 30 days this will reflect on your credit report which may impact your ability to access finance in the future.
Get in touch today to discuss your options
Here are some of your options:
Option 1:
If you are able to you can make a manual payment at any time through your customer portal at by logging in through https://myaccount.humm.ie/s/login
Once logged in:
- Click on Agreements
- Click on the contract number (LAI)
- Click on Make Manual Payment
You can also make a manual payment through the quick pay link we will send you by SMS and email with the advice of the missed payment on the due date.
Option 2:
If you are unable to clear the arrears, get in touch with us as soon as possible. We will work with you and have a range of options we can consider to assist you in managing the arrears.
Note: If no payment is received by 12pm the day after the due date then a €9 dishonour fee will be charged and added to the payment amount required to meet the arrears.
CONTACT US TODAY:
- Email – [email protected]
- Live Chat – 10am to 4pm Monday to Friday
- Call – 01 960 1601 – 10am to 5pm Monday to Friday
* Excluding public holidays
Get in touch today to discuss your options
External support
You can get free and confidental information, and impartial advice from the following organisations:
MABS
Website: https://www.mabs.ie/
Citizens Information Portal
Competition & Consumer Protection Commission (CPCC)
Website: https://www.ccpc.ie/consumers
Central Bank of Ireland
Get in touch today to discuss your options
Our Commitments
We are committed to treating our customers fairly at all times. We understand that being in arrears and unable to meet payments is a time when customers need our support and assistance to find solutions that work for their situation.
Here are our key commitments if your account goes into arrears:
1. We will work with you to
- Assess your financial situation
- Consider alternative repayment arrangements
- Keep you informed and provide clear and concise communications
- Provide you with a written confirmation of any agreed actions
2. We will treat you fairly, honestly, and professionally at all times. We will never use aggressive or misleading practices. All communications will be clear and respectful.
3. We will work with you and any provider of debt advice at any time, before, during, or after engaging with us. MABS (Money Advice and Budgeting Service) provides free, confidential advice to people in Ireland experiencing financial difficulty. You can also contact the Insolvency Service of Ireland (ISI) for information on formal resolution options.
4. If you are unhappy with how we have handled your arrears, you can make a complaint to us directly. If your complaint is not resolved to your satisfaction within the timeframe set out in our Complaints Procedure, you may get in touch with the Financial Services and Pensions Ombudsman (FSPO) free of charge.
We Are Here To Help!
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