You are considered to be in arrears when a full payment, or part of a payment, has not been made by the date it was due. If this happens, we’ll work with you to understand the situation and help you get back on track.

Pre‑arrears means you are not behind on payments yet, but you’ve told us that you may have difficulty meeting future repayments. Letting us know early gives us more time to support you and explore possible solutions.

Volkswagen Financial Services Ireland is required under the Consumer Protection Code to support customers who are in arrears or in pre‑arrears. We will always treat you fairly, consider your circumstances, and work with you to agree the most appropriate solution.

The CPC 2026 protects individual consumers who use financial products or services for personal use from firms regulated by the Central Bank of Ireland.

Under the CPC, consumers are defined as:

• Natural persons
• Groups of natural persons (e.g., clubs or charities)
• Corporate entities with a turnover of €5 million or less, or entities that are part of a group with a turnover of €5 million or less

To help support customers who miss a monthly payment VWFS have a convenient way to keep your agreement with us up to date. In the event of a missed payment VWFS may contact you via text and email with a personalised link to our Online Payments Portal.

Here you will be able to conveniently and securely pay your missed payment by debit card or request us to debit your bank account at a date of your choosing within the next 30 days.

Alternatively, you can contact our Collections Team on 01 2118285 and a member of our team will assist you with making a payment over the phone or provide you with details to complete a bank transfer. 

It is very important that if you are in arrears or are facing financial difficulty that you fully engage and co-operate with us. This includes contacting us or responding to calls or correspondence so that a full and timely assessment of your financial situation can be carried out.

You can reach our dedicated collections team on 01 2118285, Monday to Friday, 9am to 5.30pm (excluding bank holidays and public holidays) or email: collections_ie@vwfs.com. 

To help us find your loan account as quickly as we can when you call us, please have the following to hand:

• Your 16-digit account number or
• Vehicle Registration Number

• Please be aware missed payments can affect your credit rating and may reduce your ability to borrow from financial institutions in the future.
• VWFSI are required to report arrears to the Central Credit Register (CCR) on a monthly basis. 
• If less than one third of the Hire Purchase Price has been repaid, VWFS may repossess the vehicle in accordance with the terms of your agreement. Where the repayments exceed one third of the Hire Purchase Price, VWFS may apply to the court for an order to recover possession of the vehicle.

You may be charged interest on any payment due under this Agreement that was not paid on its due date, at the rate of 2% per month from the due date of the payment until actual payment.

You may be charged €12.00 and it will be debited from your agreement for each direct debit payment that is dishonoured or returned unpaid.

You may wish to seek assistance from MABS (The Money Advice and Budgeting Service) which is a free, independent and confidential service for people who are in debt or at risk of getting into debt, contact number 0818 07 200 and website: www.mabs.ie *

You may also seek assistance from the ISI (The Insolvency Service of Ireland), which provides information to personal consumers on the processes under personal insolvency legislation, website: www.gov.ie/en/insolvency-service-of-ireland/ *

Important Information

*The link is attached for guidance purposes. Volkswagen Financial Services Ireland Ltd is not responsible for the content of third-party websites.

Payments can be made by contacting our Collections Team on 01 2118285. A member of our team will assist you with making a payment over the phone or provide you with details to complete a bank transfer. 

It is very important that if you are in arrears or are facing financial difficulty that you fully engage and co-operate with us. This includes contacting us or responding to calls or correspondence so that a full and timely assessment of your financial situation can be carried out.

You can reach our dedicated collections team on 01 2118285, Monday to Friday, 9am to 5.30pm (excluding bank holidays and public holidays) or email: collections_ie@vwfs.com. 

To help us find your account as quickly as we can when you call us, please have the following to hand:

• Your 8-digit account number or
• Vehicle Registration Number

• Failure to maintain your scheduled monthly payments may result in the termination of your lease agreement and the repossession of the vehicle in accordance with the terms of your agreement.

You may be charged interest on any payment due under this Agreement that was not paid on its due date, at the rate of 2% per month from the due date of the payment until actual payment.

You may be charged €12.00 and it will be debited from your agreement for each direct debit payment that is dishonoured or returned unpaid.

You may wish to seek assistance from MABS (The Money Advice and Budgeting Service) which is a free, independent and confidential service for people who are in debt or at risk of getting into debt, contact number 0818 07 200 and website: www.mabs.ie *

You may also seek assistance from the ISI (The Insolvency Service of Ireland), which provides information to personal consumers on the processes under personal insolvency legislation, website: www.gov.ie/en/insolvency-service-of-ireland/ *

Important Information

*The link is attached for guidance purposes. Volkswagen Financial Services Ireland Ltd is not responsible for the content of third-party websites.

Payments can be made by contacting our Collections Team on 01 2118285. A member of our team will assist you with making a payment over the phone or provide you with details to complete a bank transfer. 

It is very important that if you are in arrears or are facing financial difficulty that you fully engage and co-operate with us. This includes contacting us or responding to calls or correspondence so that a full and timely assessment of your financial situation can be carried out.

You can reach our dedicated collections team on 01 2118285, Monday to Friday, 9am to 5.30pm (excluding bank holidays and public holidays) or email: collections_ie@vwfs.com.

To help us find your account as quickly as we can when you call us, please have the following to hand:

• Your 8-digit account number or
• Vehicle Registration Number

• Failure to maintain your scheduled monthly payments may result in the termination of your lease agreement and the repossession of the vehicle in accordance with the terms of your agreement.

You may be charged interest on any payment due under this Agreement that was not paid on its due date, at the rate of 2% per month from the due date of the payment until actual payment.

You may be charged €12.00 and it will be debited from your agreement for each direct debit payment that is dishonoured or returned unpaid.

You may wish to seek assistance from MABS (The Money Advice and Budgeting Service) which is a free, independent and confidential service for people who are in debt or at risk of getting into debt, contact number 0818 07 200 and website: www.mabs.ie *

You may also seek assistance from the ISI (The Insolvency Service of Ireland), which provides information to personal consumers on the processes under personal insolvency legislation, website: www.gov.ie/en/insolvency-service-of-ireland/ *

Important Information

*The link is attached for guidance purposes. Volkswagen Financial Services Ireland Ltd is not responsible for the content of third-party websites.

You can reach our dedicated collections team on 01 2118285, Monday to Friday, 9am to 5.30pm (excluding bank holidays and public holidays) or email: collections_ie@vwfs.com. 

To help us find your loan account as quickly as we can when you call us, please have the following to hand:

• Your 8-digit account number or
• Vehicle Registration Number

If payments on your Service Plan are missed, the account will be considered in arrears. While the account remains in arrears, the Service Plan will be suspended, and you will be unable to avail of any services covered under the plan. No service work can be carried out until the outstanding balance has been cleared and the account has been brought fully up to date.

Continued non‑payment may result in additional consequences, including possible cancellation of the Service Plan in accordance with the plan’s terms and conditions.

Yes. Payments can be made by contacting our Collections Team on 01 2118285. A member of the team will be happy to assist you with making a payment over the phone or, if preferred, provide you with the necessary details to complete a bank transfer.