1 missed mortgage payment?

lennyloulou

I would appreciate advice please
I have never missed a mortgage payment in 5 years, just once the 2nd week of Jan of this year - through ESB, Oil bills etc
My mortgage is 143,000e
My repayments are 270e fortnightly with AIB
I have not missed any payments since
I have got a number of phone calls during the day, evening and one just now from AIB requesting I sort it out- even over the phone
I am amazed of the pushiness and demanding attitude from them after I have told them I will sort this at the end of March
I may appear naïve and unrealistic but how many calls can they officially make and what tone can they use to the consumer.... I know they have a job to do but I think their way of doing this debt collection on an amount such as this with a good repayment record is appalling
Any idea how many calls can they make monthly to recoup this debt

Davy

http://www.centralbank.ie/publicinformation/Documents/2013%20Consumer%20Guide%20to%20CCMA.pdf

All communications from your lender must be proportionate and not excessive.
If your lender asks you to do something they must give you sufficient time to
do it before following up with you. If you think you might need more time, be
sure to let your lender know and agree on an extended timeframe.

http://www.centralbank.ie/publicinformation/Documents/2013%20CCMA.pdf

nlgbbbblth

Is it your family home?

Then they are governed by the CCMA [Code of Conduct on Mortgage Arrears]

Pages 11 to 16 of this document outline communication procedures.

Google CCMA and it's the second result.