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Repayment Plan Agreement

Repayment Plan Agreement Template for Ireland

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Key Requirements PROMPT example:

Repayment Plan Agreement

"I need a standard Repayment Plan Agreement for use by my credit union in Dublin, which will be used for consumer loans under €10,000, with payments spread over 24 months and including standard consumer protection notices under Irish law."

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Document background
The Repayment Plan Agreement is a crucial document used in Irish debt management and recovery processes when a debtor requires a structured approach to settling outstanding obligations. It is commonly employed when standard payment terms need to be modified due to financial hardship or other circumstances affecting the debtor's ability to meet original payment obligations. The agreement must comply with Irish consumer protection laws, banking regulations, and the Personal Insolvency Act 2012, particularly when involving consumer debtors. This document is essential for financial institutions, debt collection agencies, and credit servicing firms operating in Ireland, providing a legally robust framework for debt resolution while protecting both creditor and debtor interests.
Suggested Sections

1. Parties: Identification of the creditor and debtor, including full legal names, addresses, and any relevant registration numbers

2. Background: Context of the debt, including original loan details, current outstanding amount, and circumstances leading to the repayment plan

3. Definitions: Definitions of key terms used throughout the agreement

4. Acknowledgment of Debt: Formal acknowledgment of the outstanding debt amount and its origins

5. Repayment Terms: Detailed terms of repayment including amount, frequency, and duration of payments

6. Payment Method: Specified method(s) of payment and payment processing details

7. Default Provisions: Consequences of missing payments and what constitutes a default

8. Statutory Notices: Required consumer protection notices and warnings under Irish law

9. Representations and Warranties: Statements of fact and assurances from both parties

10. Governing Law: Confirmation that the agreement is governed by Irish law

11. Execution: Signature blocks and execution requirements

Optional Sections

1. Security: Details of any security or collateral provided for the debt - include when the repayment plan is secured

2. Third Party Guarantors: Information about guarantors - include when a guarantor is involved in the repayment plan

3. Early Repayment: Terms for early repayment of the debt - include when early repayment is permitted

4. Interest Provisions: Details of any interest calculations - include when interest continues to accrue

5. Debt Write-Off: Terms of any partial debt write-off - include when part of the debt is being written off upon completion of the plan

6. Review Periods: Provisions for periodic review of the repayment plan - include for longer-term arrangements

7. Hardship Provisions: Procedures for dealing with future financial hardship - include for vulnerable customers

Suggested Schedules

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment amounts and due dates

2. Schedule 2 - Debt Breakdown: Itemized breakdown of the total debt amount including any fees, charges, and interest

3. Schedule 3 - Direct Debit Mandate: Direct debit authorization form if applicable

4. Appendix A - Important Information Notice: Required consumer protection information and statutory warnings in detail

5. Appendix B - Contact Protocol: Procedures for communications between parties and updating contact information

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






































Clauses






























Relevant Industries

Banking

Financial Services

Credit Unions

Debt Collection

Credit Servicing

Consumer Lending

Commercial Lending

Insolvency Services

Legal Services

Financial Technology

Relevant Teams

Legal

Collections

Credit Risk

Compliance

Operations

Customer Relations

Finance

Credit Control

Debt Recovery

Consumer Protection

Relevant Roles

Credit Manager

Collections Officer

Debt Recovery Specialist

Legal Counsel

Compliance Officer

Risk Manager

Personal Insolvency Practitioner

Credit Controller

Account Manager

Financial Advisor

Debt Collection Agent

Consumer Protection Officer

Credit Risk Analyst

Operations Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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