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APIP Welcomes StepChange as New Move by Banks to Connect PIPs and People in Debt

Date added: 13 Nov 2015

On Monday, 16th November, UK-based debt charity StepChange is launching its new telephone-based service to people in Ireland who are struggling with unsustainable debt.  StepChange is funded by €6m in grants from AIB, Bank of Ireland, KBC, Permanent TSB, and Ulster Bank.  APIP has welcomed the new initiative by the banks to help debtors to connect with personal insolvency practitioners (PIPs) in Ireland.

Eric Hendy, Chairman of APIP, said; “The banks tried to deal with the problem of insolvency, but some of the restructured debt fell back into arrears.  This new initiative through StepChange is an effort by the banks to link people in debt with PIPs.  We (PIPs) are the only professionals in Ireland who are regulated and authorised to negotiate write-offs for both secured debt, such as mortgages, and unsecured debt, such as personal loans.  People have statutory protection against legal action while we are working on insolvency arrangements for them.”

Tara Cheevers, Secretary of APIP continued; “PIPs in Ireland offer face-to-face advice to people in debt and StepChange’s telephone service will facilitate referrals.  Many APIP members (PIPs) are in court with the ISI and MABS to offer support and information to people in financial distress.  We see the new service by StepChange as another mechanism for raising debt solution awareness amongst debtors.”

“APIP members (PIPs) are successfully keeping people in their homes and preventing repossessions through mortgage write-downs.  We are helping people to manage their debt through restructurings.  We communicate with lenders on behalf of debtors removing the stress and stream of reminder letters about arrears.  By forming links with other organisations, such as MABS and now StepChange, APIP can continue helping people to find a fresh start by dealing with their debt.” concluded Alan McGee, APIP committee member.

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For further information and/or to arrange an interview contact Orla Clancy, Media Consultant, at or telephone 087 938 8882.

Notes to Editor

Association of Personal Insolvency Practitioners (APIP)

The Association of Personal Insolvency Practitioners (APIP) is the largest representative body of personal insolvency practitioners (PIPs) in Ireland.  APIP members are authorised by the Insolvency Service of Ireland (ISI).  With over 80 members (PIPs) nationwide, APIP helps people in financial distress to find a fresh start through solutions to their debt problems.  The APIP committee engages with the government and the ISI to progress the insolvency system in Ireland.

Further Information

2015 APIP Committee

Eric Hendy, Chairman of APIP
Tara Cheevers, Secretary of APIP
Mitchell O'Brien, APIP Committee Member
Alan McGee, APIP Committee Member
Steven Curtis, APIP Committee Member
John Kenny, APIP Committee Member

APIP VAT Committee

Eugene McDarby, APIP VAT Committee Member
John Kenny, APIP VAT Committee Member