Abhaile FAQs

How can I apply for the scheme? 

 To apply, contact MABS (0818 07 2000, Monday – Friday, 9am – 8pm) or your local MABS office. 

Do I qualify for advice under the Abhaile scheme? 

You can check your eligibility on our Do I qualify page. 

Do I apply for a PIP or Legal voucher through MABS? 

You can apply for a PIP voucher either directly through an Abhaile PIP or through MABS. 

To avail of a legal voucher, you need to have received financial advice first. Your Dedicated Mortgage Arrears Adviser or PIP will advise if you need legal advice and help you apply for a legal voucher. 

I am in arrears, and I’ve just got a letter to say my mortgage has been sold to a fund, what can I do? 

First, there is no need to panic. The existing contract with your original lender is still valid, and you are protected by the Code of Conduct on Mortgage Arrears. You can contact your new lender to work towards a resolution to your mortgage arrears. You can contact MABS if you don’t feel you can talk to your lender  

It’s been 6 months and I haven’t used my voucher, what do I do? 

Contact the person you got your voucher from. That might be an adviser in MABS or an Abhaile PIP. Let them know that your voucher has expired and they will work with you to issue a new voucher.  

We always recommend that you use your voucher as soon as possible as this means you are taking action to resolve your mortgage arrears. The sooner you take control of your situation increases your chance of a positive outcome. 

I’m not happy with the advice I received under the Abhaile Scheme, how do I complain?  

If you received advice from a MABS adviser and are not happy with the advice you received, you can follow the MABS Complaints Procedure. 

If you received advice from a PIP and are not happy with the advice you received, you can contact the Abhaile team at the ISI – abhaile@isi.gov.ie – be sure to note any voucher number and any written communications the PIP gave you to help with your complaint. 

If you received advice from a Consultation or Duty Solicitor and are not happy with the advice you received, you can fill out the Legal Aid Board Customer Comment Form or follow the Complaints Procedure.