Help and support when you need it

Statements will be issued at least annually, however, you can call us on 0818 818 181 or write to us at the below address to request a statement at any time.

A copy (i.e. picture via camera phone or scanned copy as PDF) of two of the following to include your name and home address: 

• Utility bill (ESB; Gas; Phone - Landline; Waste)
• Bank statement
• Tax notice from the Revenue Commissioners
• Social Welfare document
• Motor tax document
• Home or motor insurance certificate or renewal notice OR

Certified proof of address documents is also accepted. In this instance, and only 1 certified proof of address is required. An original proof of address document via post will also be accepted. A certified copy must be certified by one of the following professionals:

• Garda Siochana / Police Officer
• Regulated financial or credit institution
• Practising solicitor / Notary Public
• Practising Chartered or Certified Public Accountant
• Justice of the Peace
• Commissioner for Oaths

You can update your email and phone number on the account summary screen in the MyPepper Portal,  you can register here.

If you have identified personal data, or any other data, that is incorrect through correspondence received or information provided by us in relation to you, we will amend it as soon as we are notified. You can notify us by calling us on 0818 818 181 or by writing to us at Pepper Advantage, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co Clare.

If you wish to obtain a copy of your personal data and assuming you are the account holder, please:

• Make your request in writing
• Ensure that you and where applicable, any joint party making the request, authorise (i.e., sign the request).   
• If you place your request via telephone, we will respond in writing to acknowledge the request. However, we will not be in a position to process your request until such time as the documents required to verify your   identity, as outlined below, have been received.       
• To establish identification (ID) and to protect the security of your personal data, we require one of the following: 2 copies of your ID and that of each party to the Loan, who are to be included in this access request, e.g., 1 passport and 1 driving licence or other acceptable photographic ID.

OR

• 1 certified copy of your ID and that of each party to the Loan, who are to be included in this access request. This must be certified as a true and accurate copy by any of the following: solicitor, public representative, member of An Garda Siochana, or clergyman.
• Where one party on a joint account is making the request, we only require ID from that party and information relevant to that party only will be provided to them.
• If all parties on a joint account are making the request, all parties are required to provide
• their ID and information for all parties will be issued in the pack to each party.  

If you have received an annual statement for the previous calendar year, a breakdown of the yearly interest will be included on your statement.

If you are not in receipt of a statement, or the statement does not cover the period from January to December in the previous year, please contact us to request one which will outline the interest paid for that calendar year.  

Yes, when you change your home insurance details, you should provide us with a copy of the revised policy.

You should also advise your insurance provider that you have a mortgage with Pepper Advantage. They will note our interest on your policy and provide you with what is called a letter of Indemnity.

You should forward this letter to Pepper Advantage on receiving it to confirm that our interest has been noted on the policy.

As Pepper are a notified party to any insurance policy in the unfortunate event that a claim is made on the policy, any claim funds paid will be addressed to both the borrower and Pepper.

The claim cheque should be sent to Pepper Advantage along with the below supporting documentation:

• Proof of commencement of works (where applicable).
• Proof of costs incurred in the repair of any loss or damage to the property and its content.
• Before and after photos of the property at time of the accident (where applicable).
• Report carried out by the insurer and/or loss assessor. 
• Engineers report if there was structural damage to the property.

 For more information or to speak to someone regarding a home insurance claim please contact us on 0818 818 181.

The letter is prompted when Pepper receives cancellation notice from your previous insurer.

We require a copy of the new Home Insurance schedule with interest of Pepper noted.

Post to: Pepper Advantage, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co Clare

The purpose of the PIA is to help people in serious arrears to find the best available solutions, with the help of professionals who have expert knowledge of mortgages, insolvency, bankruptcy and/or repossession.
The PIA has been set up to help borrowers who are :

• Insolvent (cannot pay their bills in full as they are due).

• In mortgage arrears on their principal private residence; and at risk of losing their home.

• In a home that is not disproportionately large for their needs.

You are only eligible to seek a PIA if : You have co-operated under a mortgage arrears process for a period of 6 months with your secured creditor in respect of  your principal private residence and the  result was that no alternative repayment arrangement was agreed or the secured  creditor confirmed it would not put in  place such an arrangement. In total, just over 800 PIAs were completed and agreed in Ireland in 2022.

If you think you or someone you know may be eligible for the Scheme you can:

• Contact a PIP directly, PIPs are qualified professionals, regulated by the Insolvency Services Ireland.  They will carry out an eligibility assessment, or
• Contact a MABS office or the MABS helpline (0818 07 2000). They will carry out a short eligibility assessment and refer the person to the appropriate service.

Find out more at www.backontrack.ie 

Bereavement Support - You can notify us of a bereavement by telephone 0818 818 181, our lines are open between 9am to 5pm Monday to Friday excluding bank holidays and public holidays where our dedicated team are available to guide you during this difficult time, alternatively you can write to us at Pepper Advantage, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co Clare.

Before you get in contact you will need the following details of the deceased person, this is required to locate their account.  

• Name, address, date of birth & date of death.

We will also require your details: 

• Name, address, date of birth & relationship to the deceased.  

Following on from your initial contact you will be required to provide the following additional information:

• A copy of the death cert.       
• Any life assurance policy that the deceased had in place.  You should contact the insurance provider, as monies paid out under a life assurance policy may repay some of, or all of the outstanding mortgage account balance.
• The name of the executor of the estate (if there was a will in place)

You can notify us of a bereavement by telephone 0818 818 181, our lines are open between 9am to 5pm Monday to Friday excluding bank holidays and public holidays where our dedicated team are available to guide you during this difficult time, alternatively you can write to us at Pepper Advantage, 4310 Atlantic Avenue, Westpark Business Campus, Shannon, Co Clare.

Additional useful information that you may find beneficial in guiding you through this difficult time can be located below:

DEATH CERTIFICATES

The official site for ordering a death certificate is https://www2.hse.ie/services/births-deaths-and-marriages/order/death-certificate/ 

CITIZENS INFORMATION

The Citizens Information Board is where you can get information and advice on public and social services.
www.citizensinformation.ie

Tel: 0818 07 200

THE PROBATE OFFICE

The Probate Office issues Grants of Representation (You will find a list at www.courts.ie).
You can contact The Probate Office at

Probate Office,
1st Floor Phoenix House,
15-24 Phoenix Street North, Smithfield,
Dublin 7
Tel: +353 1 888 6728

MABS MONEY ADVICE AND BUDGETING SERVICE

The Money Advice and Budgeting Service (MABS) is a free, independent, confidential, and non- judgmental money advice and budgeting service for all members of the public. When a loved one passes away, this brings not only emotional trauma, but can also lead to financial challenges.
https://mabs.ie/managing-money/unexpected-life-events/bereavement-and-debt/