Credit Review Office
Office Use Only:
Case No.: _______________________
Date Received: __________________
Officer: ________________________
Form 2: Borrower Administration Form F2BOAD
Section 1
Thank you for providing details for the Credit Review Office to work on your application – the following section is
the Application Administration which you now need to complete to finalise the application.
This section tells you about:
i) the Processing fee for the Application
ii) the Legal Consents to enable your Bank to share information with the Credit Review Office. (There are
three copies of these forms - sign all three - then keep one and return the other two for the Credit
Review Office and Bank use.)
iii) an additional information sheet which is only required for Farm Enterprises
Processing Fee
Each application must be accompanied by the appropriate processing fee which is based on €1 per €thousand
proposed borrowed, with a minimum payment of €100. This must be included with your application and may be
paid by cheque, postal order, bank draft. (Made payable to the Credit Review Office.)
To calculate the appropriate processing fee, please see the table below for examples.
Original Loan Amount requested from bank and declined
or reduced
Up to €100,000
€123,000
€157,000
€250,000
Up to €100,000 = flat fee of €100
Above €100,000 = divide Original Loan Amount by 1,000
€100
€123
€157
€250
Payment Amount included
Enter the appropriate fee against the method of payment you chose
Payment method
Cheque:
Bank Draft:
Postal Order:
Amount
€
€
€
Next Steps
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Page 1 of 6
Your application form will be shared with the bank you have appealed against, for them to agree the
facts you have supplied.
This bank will then complete financial facts on your business, which they will present to us. These details
will come from your financial and management accounts, and their records.
The bank will give its opinion on why it has declined the lending.
In due course you will be sent a copy of the bank financial facts and opinions and you may comment on
the financial facts the bank has supplied.
On reviewing your application, the Credit Review Office will provide the bank with an opinion on
whether it agrees with the lending decision or not.
The bank then responds to this opinion and confirms next steps in response to the recommendations set
out by the Credit Review Office. In practice where the Credit Review Office has suggested the lending
should be made, to date the banks have respected our opinion and complied.
Where the Credit Review Office has upheld the banks’ decision not to lend, the opinion will always seek
to provide alternatives and guidance to the borrower to help them move forward.
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789
Legal Consent
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The Legal Consent form is in triplicate.
It is required to allow the bank to provide information for the Credit Review Office and for the Credit
Review Office to provide information to the bank.
Please tick the appropriate box to inform us if you choose to be contacted by the Credit Review Office in
the future.
All three copies must be signed.
Please retain one copy for your own records and forward the other two copies with your application
form and processing fee to the Credit Review Office via registered post.
Legal Consent (Credit Review Office Copy)
I/We hereby consent to the disclosure by the Bank to the Credit Reviewer of all details including any relevant
personal data and/or confidential materials relating to me/us and my/our application for credit and this credit
review application.
I/We hereby consent to the disclosure by the Credit Reviewer to the Bank of all details including any relevant
personal data including confidential materials provided by me/us to the Credit Reviewer in relation to my/our
application for credit and this credit review application.
I/we further consent for the purposes of S25 of the Defamation Act 2009 to the publication in good faith by the Bank
to the Credit Reviewer of any statement or opinion in relation to me/us and my/our application for credit and this
credit review application.
Signature (Please print form then sign and date)
Signed:
__________________________________________
Capacity of Signatory
Date:
__________________________________________
On occasion, the Credit Review Office may wish to contact borrowers to assess their satisfaction with the
services provided. Should you wish to be contacted by the Credit Review Office in this regard, please tick
the appropriate box:
 I consent to be contacted
 I do not wish to be contacted
Page 2 of 6
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789
Legal Consent (Bank Copy)
I/We hereby consent to the disclosure by the Bank to the Credit Reviewer of all details including any relevant
personal data and/or confidential materials relating to me/us and my/our application for credit and this credit
review application.
I/We hereby consent to the disclosure by the Credit Reviewer to the Bank of all details including any relevant
personal data including confidential materials provided by me/us to the Credit Reviewer in relation to my/our
application for credit and this credit review application.
I/we further consent for the purposes of S25 of the Defamation Act 2009 to the publication in good faith by the Bank
to the Credit Reviewer of any statement or opinion in relation to me/us and my/our application for credit and this
credit review application.
Signature (Please print form then sign and date)
Signed:
__________________________________________
Capacity of Signatory
Date:
Page 3 of 6
__________________________________________
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789
Legal Consent (Borrower Copy – Retain for your records)
I/We hereby consent to the disclosure by the Bank to the Credit Reviewer of all details including any relevant
personal data and/or confidential materials relating to me/us and my/our application for credit and this credit
review application.
I/We hereby consent to the disclosure by the Credit Reviewer to the Bank of all details including any relevant
personal data including confidential materials provided by me/us to the Credit Reviewer in relation to my/our
application for credit and this credit review application.
I/we further consent for the purposes of S25 of the Defamation Act 2009 to the publication in good faith by the Bank
to the Credit Reviewer of any statement or opinion in relation to me/us and my/our application for credit and this
credit review application.
Signature (Please print form then sign and date)
Signed:
__________________________________________
Capacity of Signatory
Date:
__________________________________________
NOTICE OF CONTACT BY REVIEWER
During the review, the borrower may be contacted by the Reviewer to seek clarification on information provided in
the forms or in any additional information received by the Reviewer.
Page 4 of 6
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789
Section 2: Farm Business additional questions
Only required if you are a farm business and have indicated this in Section 1.1
A.1 Land
Farm Enterprise(s) Type - List
Acres Rented (conacre - list):
Total Acres
Farmed
Acres
Owned
Rental Cost
€
Leased
Due Date
A.2 Stock
Livestock on Farm (Main details - List)
Type
Numbers
Value
€
€
€
€
€
Livestock saleable in next 3-6 months (List)
Type
Litres
Numbers
Expected Monthly Income
€
Milk Quota:
Tillage on Farm (List):
Acres
Crop
Feedstuffs (List):
Type (tonnes)
Value
€
€
€
€
€
Page 5 of 6
Value (Expected Proceeds)
€
€
€
€
€
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789
A.3 Non-trading Income
Single Farm Payment:
REPS
Other Direct Payments (List):
e.g. Area Aid, State Aid
Amount
€
€
€
€
€
€
€
Off-farm income (List):
€
€
€
€
€
Other Assets – Shares, Property etc (List)
€
€
€
€
€
Is a farm waste management grant due:
Amount
Payment Due Date
Amount
Payment Due Date
€
A.4 Liabilities
Merchant Credit \outstanding:
Co-op\Suppliers Outstanding
Mortgage for PDH/Bank
€
€
Amount
€
Annual Repayment
€
Family Dependants:
A.5 Nature of Problem
Did financial problem begin in 2009 or earlier:
Estimate of Farm Income:
Full debt repayment cost:
Interest only cost:
Page 6 of 6
€
€
€
Year:
Year:
Credit Review Office, The Plaza, East Point Business Park, Dublin 3
Web: http://www.creditreview.ie
Email: [email protected]
Tel: 1850 211 789