New SAM Module
Mortgage Arrears Resolution Process
Empowering Credit Unions to be there for members when it truly matters most
SAMSystem for Application Management
Introducing
A New Consistent, Compliant Approach to MARP
Our new MARP module empowers credit unions to support members when they need it most. It ensures compassionate, compliant, and consistent handling of financial difficulties, helping members stay in their homes while protecting the credit union’s integrity and reputation.
Built around the Central Bank’s regulatory frameworks, the system supports every step of the MARP process — from letters and workflows to record-keeping and audit trails — so credit unions can focus on helping members, not paperwork.
It takes the stress out of compliance, giving confidence that every case is handled correctly, every time.
Being there — when it truly matters most.
Standards & Security
Compliance & Security Assured
Regulatory Compliance
Adhering to Code of Conduct on Mortgage Arrears and CPC regulations.
Data Protection
Ensuring secure handling and storage of sensitive financial and personal data.
Cybersecurity
Implementing top-tier security systems to meet expectations for IT risk management.
Trust & Transparency
Trusted, transparent and reliable service from your development association.
MARP CasesApplicationConfiguration
StageCasesStatus
Appeal8Review
Assessment5Active
Borrower Communicating1On Track
Not Co-operating4Urgent
Enforcement12Urgent
Resolution15On Track
Closed9Complete
Case Management
A Clear View of Every Case
The MARP home screen gives credit unions complete visibility and control over every arrears case — designed around Central Bank requirements.
Full VisibilityInstantly see every arrears file, grouped by MARP stage for clear oversight and progress tracking.
Compliance AlignmentStages mirror the Central Bank’s Code of Conduct, ensuring every case follows the correct process.
Reporting & InsightsGenerate on-demand reports and performance metrics to monitor trends, workload, and outcomes.
Quickly SearchLocate any borrower or file number with powerful search and filtering tools.
Task Management
Stay on Top of Every Action
The MARP Task List keeps every user organised, compliant, and in control — guiding staff through each step with automatic deadline tracking.
Clear Next StepsEach stage includes a defined task list so users always know what to do next.
Smart Deadline TrackingAutomatic alerts and overdue flags ensure no actions or timelines slip through the cracks.
Effortless CommsGenerate compliant, pre-populated letters and communications instantly.
Complete OversightReport on task completion and overdue actions across all files for full accountability.
Borrower InfoLoan InfoTask List
TaskDueAction
Schedule meeting & complete checklist—✓
Send Standard Financial Statement—Send SFS
Send First Notice Letter13/07/2025Send
If SFS not returned, send reminder⚠ 08/09Overdue
Borrower InfoLoan InfoARACover Note
ARA TypeExistingTerm Ext.Split Mtg
Recommended ARA—✓○
Balance Outstanding115,158115,158115,158
Arrears Outstanding895.95895.95895.95
Arrears Capitalised?NoYesYes
Decision Support
Fair, Consistent Assessments
The Assessment Module empowers credit unions to make informed, transparent, and policy-aligned decisions on alternative repayment arrangements.
Structured DecisionAnalyse and compare all alternative repayment arrangements to identify the most suitable outcome.
Comprehensive Record KeepingGenerate complete, standardised MARP Reports with member data, financial details, and staff notes.
Streamlined ProcessEnable staff to recommend options for management approval directly within each borrower file.
Temporary ARA SupportedRecord and manage short-term hardship solutions while maintaining full compliance and traceability.
Advanced Case Handling
Managing Complex Cases
The MARP system supports every outcome — from appeals to enforcement — with fairness, precision, and complete regulatory alignment.
Appeals ManagementFacilitates internal or external appeals boards, ensuring impartial reviews and documented decision-making.
Not Co-operating ProcessStep-by-step workflow ensures fair treatment before classifying a borrower as non-co-operating.
Enforcement PreparationGenerates compliant data exports for legal counsel, supporting transparent and defensible actions.
Pause & MonitorTemporarily suspend cases and track borrower adherence to revised repayment arrangements.
Borrower InfoLoan InfoAppeal
TaskDueAction
Send Acknowledgement of Appeal10/10Send
Schedule Appeals Board meeting23/10✓
Send first update to borrower24/10Send Update
If approved — send Accepted Letter09/11Accepted
If rejected — send Rejected Letter09/11Rejected
Get Started
Empower Your Credit Union to Stand by Members When It Matters Most.
"*" indicates required fields