If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Welcome to Bank of Scotland plc customers in Ireland and Northern Ireland

Retail Banking Customers

On 2 July 2018, Bank of Scotland plc (BOS) issued letters to its customers advising them that it had agreed to transfer its mortgage loan agreements with them (the “Mortgages”) to Pepper Finance Corporation (Ireland) DAC trading as Pepper Asset Servicing (“Pepper”).

In line with the abovementioned letters, BOS transferred the Mortgages to Pepper on 28 September 2018 (the “Transfer Date”).  Pepper holds legal title to the Mortgages on trust for Erimon Home Loans Ireland Limited (a subsidiary of Barclays Bank PLC) or its nominee (the “Beneficiary”).

All of the rights of BOS under the Mortgages have transferred to Pepper and the Beneficiary.  From the Transfer Date, Pepper is the new lender of record in relation to the Mortgages.

For further information on how the above matters may affect your account(s) please visit the Retail & Intermediary Banking Customers page.

Commercial Banking Customers

The above statement does not impact Commercial Banking Customers.

For information relevant to Commercial Banking Customers, please visit the Commercial Banking Customers page