CREATING SOLUTIONS
FOR YOUR NEEDS
At Cepal, we treat each case individually, providing you with the support you need.
DEBTORS
Debtor Definitions and Categories:
Legal Frameworks and Characteristics
By your side, respecting your needs
At Cepal, we stand by your side, offering the support you need to manage your debts. With responsibility and respect, we create effective solutions tailored to your unique financial situation. Our goal is to build trusting relationships based on open communication and transparency.
Explore our options and discover how we can support you on your journey to financial stability.
PAYMENT METHODS
Flexible payment options for your debts
At Cepal, we offer a wide range of payment options to meet your every need, making it easy to pay your debts the way you want. Discover the possibilities available and choose the solution that suits you.
We are here to ensure the best possible service for you.
DEBT RESTRUCTURING
Practical solutions with respect,
transparency and responsibility
Extrajudicial
Mechanism
Inclusion in the out-of-court settlement mechanism
Code of
Conduct
Regulation under the Code of Conduct
Bankruptcy
Law
Inclusion in the new bankruptcy law
At Cepal, we understand that every debtor and every financial obligation has unique characteristics. We are dedicated to providing practical solutions to settle your outstanding balances, always with respect, transparency, and in full accordance with our codes of conduct. Our goal is to support you throughout this process, ensuring that your specific circumstances are thoroughly considered.
Discover the available settlement options and let us guide you toward the best possible solution.
Frequently asked questions:
Useful answers to frequently asked questions
Explore our FAQ section and find detailed information about our services, the procedures relating to your debts, and practical solutions, for managing your obligations.
How can I update my contact details at Cepal?
To update your details, you can send the necessary information and relevant documents through our digital platform, e-Cepal, by selecting the “Update personal information” option, or by email to customerservices@cepal.gr.
What is the authorization and what is required for submitting it to Cepal?
An authorisation is a document that allows one person (authoriser) to give permission to another (authorised) to act and receive information on their behalf in matters concerning their debts. The authorisation should:
- Be addressed to Cepal.
- Include the full details of the authoriser and the authorised person.
- Clearly describe the actions/powers granted.
- Be accompanied by the ID of the authorised person or the lawyer’s ID card, if applicable.
What are the insurance obligations for my property?
According to your contract and the relevant legislation, you are obliged to insure the mortgaged property at your own expense, at least against the risks of fire and earthquake. The insurance must be taken out with a reputable insurance company legally operating in Greece, and must be maintained for the entire duration of the loan until it is fully repaid. Upon each renewal, please inform us by sending your policy via email to insurancecontracts@cepal.gr.
As the loan servicer, if an insurance obligation arises and no active mortgage insurance policy is provided, Cepal will include the property in a group insurance policy. The related insurance costs will be charged to the associated loan accounts.
How do I proceed with an investigation of property under a Cepal group insurance policy and notice of loss?
To investigate whether your property is covered by a Cepal group insurance policy or to report a loss, send your request to customerservices@cepal.gr. Our team will direct you either to the relevant department within our company for information on insuring your property, or to the insurance company for the loss notification and subsequent procedures.
What do I need to update my contact details with Cepal?
To update your landline or mobile phone, please provide us with a recent phone bill in your name or other document confirming your phone number.
To update your physical address, please provide us with a recent utility bill or residential tenancy agreement. Alternatively, you can send us supporting documents issued by or submitted to the Independent Authority for Public Revenue (IAPR/AADE) or from the digital applications of the General Secretariat for Digital Governance
To update your email address, please provide us with a solemn declaration from gov.gr confirming the e-mail address you use.
How do I submit my authorisation to Cepal, and is there a template available?
You can provide us with the relevant authorisation by following the steps below:
- Find out about the authorisation template and follow the instructions to create the authorisation online via the Gov.gr website in the section “Issue authorisation”.
- Alternatively, use the template below directly and validate it at an appropriate public authority or Citizen Service Centers (KEP).
- Send the authorisation and the identification documents of the authorised person by email to exousiodotiseis@cepal.gr or via the e-cepal platform.
The link to download a sample authorisation is provided below:
How do I file an insurance claim if I have insured the property myself?
To submit an insurance claim for property damage, please register your claim through the portal by following these steps: i) Enter the insurance policy number associated with the claim. ii) Submit the independent surveyor’s loss assessment report. iii) Attach the official letter from the insurance company confirming their approval of the claim and the approved settlement amount.
CONTACT
Get in touch with us:
Available Ways
We are always here to provide the support you need and ensure you receive the best possible service.
