Emergency Quick Reference
Urgent financial issue? Here's everything you need in one place.
Key Contacts
FSPO (Financial Services & Pensions Ombudsman)
01 567 7000
info@fspo.ie
fspo.ie
When: Complaint not resolved after 40 business days, or you have a Final Response Letter
DPC (Data Protection Commission)
01 765 0100 / 1800 437 737
info@dataprotection.ie
dataprotection.ie
When: GDPR breach, SAR not responded to within 30 days, data misuse
CCPC (Competition & Consumer Protection Commission)
01 402 5555
info@ccpc.ie
ccpc.ie
When: Misleading practices, unfair contract terms, consumer law breaches
Central Bank of Ireland
1890 777 777
enquiries@centralbank.ie
centralbank.ie
When: Report regulated firm misconduct, whistleblowing
Gardaí (Financial Crime)
112 / local station
garda.ie
When: Fraud, identity theft, unauthorised transactions you suspect are criminal
MABS (Money Advice & Budgeting Service)
0818 07 2000
mabs.ie
When: Debt problems, struggling to pay, need free financial advice
Key Legal Deadlines
| Action | Deadline |
|---|---|
| SAR response | 30 calendar days |
| Acknowledge formal complaint | 5 business days |
| Final Response Letter | 40 business days |
| File FSPO complaint after FRL | 6 years |
| Credit report data retention | 5 years |
| HP voluntary termination | 50% of HP price paid |
| Cooling-off period (distance sale) | 14 calendar days |
| Statute of limitations (debt) | 6 years |
What To Do Right Now
Account frozen by Revolut/bank
- Screenshot all balances and recent transactions NOW
- Send SAR immediately (they have 30 days to respond)
- Ask for written reason for the freeze
- File formal complaint — starts the 40-day clock
- If no resolution: FSPO complaint
Found error on credit report
- Download and save your CCR report as PDF
- Screenshot the specific error
- Send SAR to the reporting lender
- File CCR amendment request with CBI
- File formal complaint with the lender
Insurance claim rejected
- Get the rejection in writing — ask for specific policy clause
- Send SAR to the insurer
- Check if rejection reason matches your policy terms
- File formal complaint citing specific breaches
- If not resolved: FSPO complaint
Debt collector contacting you
- Do NOT confirm any details or make any payment
- Request proof of debt in writing
- Check if debt is statute-barred (6+ years old)
- Send 'prove it' letter via registered post
- If harassment: report to CCPC and Gardaí
Disclaimer: This website provides general information based on personal experience navigating Irish financial complaint systems. It is not legal advice. Every case is different. If you need legal advice, consult a solicitor.