Financial Difficulties

Don't Ignore Arrears, come and talk to us. We can help. What happens if I don’t or can’t repay my loan as agreed?

What happens if I don’t or can’t repay my loan as agreed?

We understand and empathise with the challenges some of our members face, for example, a reduced income, illness, loss of employment, relationship breakup, other debts falling due to name but a few, to then be faced with the worry and burden of how to address and repay them.
Our Credit Control team are here to assist you get back on track. We would like to work with you, within your financial circumstances to address the matter.
Synergy Credit Union Ltd. recommends that you contact us at the earliest possible stage to advise us of any changes in your circumstances or any temporary difficulties you might be experiencing. It is very important that you contact us to discuss your options and to keep us updated on any changes that may affect your ability to repay your loans. We are here to support you and reduce the worry associated with your debt.
There are many options available to you and our aim is to help you along the way to getting the account back on track and repairing your credit rating.

You can contact us by emailing or Freephone 1800 272927 and ask the Credit control team to make an appointment to meet you or to ring you at a time that suits you during our working hours.

WARNING: Arrears on your loan may affect your future ability to access credit with the credit union and all other financial institutions as Synergy Credit Union Ltd. is registered with the Central Credit Register.

Other sources for helpful Information

Minimum Income Standard Calculator

The Minimum Income Standard shows the income people need in order to afford the goods and services that members of the public have agreed are a minimum essential for everyone in Ireland to have.

Click Here

Money Counts

Money Counts is a tool to facilitate learning of practical and sensible money management skills supporting personal safety and independence. Competition and Consumer Protection Commission (CCPC): Consumer rights, financial products, consumer value and money management.
Other Sites including dealing sites dealing with Mental Health

Click Here

Aware undertakes to create a society where people affected by stress, depression and mood disorders are understood, supported, free from stigma, and are encouraged to access appropriate therapies.

Click Here

Citizens Information

The Citizens Information Board is the national agency responsible for supporting the provision of information, advice and advocacy on social services and for the provision of the Money Advice and Budgeting Service.

Information for those in housing need or those at serious risk of losing their home

Click Here

Department of Social Protection

Information on all aspects of state supports for consumers.

Click Here

Free Legal Advice Centres

FLAC is an independent human rights organisation dedicated to the realisation of equal access to justice for all. To this end it campaigns on a range of legal issues but also offers some basic, free legal services to the public.

Click Here

Gamblers Anonymous

Gamblers Anonymous (G.A.) is a fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from a gambling problem.

Irish National Organisation of the Unemployed

The INOU works at local and national levels on issues affecting unemployed people. It supports local groups through services such as training, information and analysis of Government policies.
Losing your This microsite provides public service information for those who are currently unemployed or are becoming unemployed in Ireland.

Click Here

National Traveller MABS

National Traveller MABS is a Leading Advocate for the Financial Inclusion of Travellers in Ireland.

Click Here

Respond - Housing Association

Respond provide access to education, childcare, community development programmes, housing and other supports.

Click Here


Samaritans offer confidential help giving people time to talk things over.

Click Here

Housing Advice Agency

Threshold works to prevent homelessness and campaigns for housing as a right.

Click Here

Your Mental Health

This website has been developed by the HSE National Office for Suicide Prevention ( as part of the ‘Your Mental Health’ awareness campaign, which aims to improve awareness and understanding of mental health and well-being in Ireland.

Click Here