CREATING SOLUTIONS
FOR YOUR NEEDS
At Cepal, we treat each case individually, providing you with the support you need.
DEBTORS
Definition and Categories of Debtors:
Legal Frameworks and Characteristics
By your side, with respect to your needs
At Cepal, we are on your side, offering the support you need to manage your debts. With responsibility and respect, we create effective solutions that meet your unique needs. Our goal is to build trusting relationships based on the principles of open communication and transparency.
Explore the opportunities we offer and discover the ways in which we can support you in managing your debts.
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 the uniqueness of each debtor, and the specific characteristics of each debt individually. We are dedicated to providing practical solutions to settle your outstanding debts, always with respect and transparency, and in accordance with our codes of conduct. Our aim is to support you in repaying your outstanding debts, ensuring that your specific needs are taken into account.
Discover the possibilities available for settling your debts and allow us to guide you towards 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 related to managing your debts.
How can I update my contact details at Cepal?
To update your details, you can send the necessary information and the relevant documents through our digital platform e-Cepal, by selecting the request “Update personal information” or by email to customerservices@cepal.gr.
What is the authorization and what is required for submitting it to Cepal?
An authorization is a document that allows one person (authorizer) to give permission to another (authorized) 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.
- Is accompanied by the identity of the authorised person or the lawyer’s identity card if the authorised person is a lawyer.
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 first-class insurance company legally operating in Greece and must be maintained for the entire duration of the loan until it is fully repaid. At each renewal, please inform us by sending your policy by email to insurancecontracts@cepal.gr.
Cepal, as the claims servicer, if an insurance obligation arises and in the absence of receipt of an active mortgage insurance policy, will include them in a group insurance policy. The related insurance costs will be charged to the loan accounts of the contracts they secure.
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 will I need to update my contact details in 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 Public Finance Service or from the digital applications of the General Secretariat for Digital Governance
To update your e-mail address, please provide us with a solemn declaration from gov.gr confirming the e-mail address you use.
How can I submit my authorisation to Cepal? Is there a template?
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 can I claim my insurance if I have insured the property myself?
To claim reimbursement from an insured property, please register your claim through the portal by following these steps: a) Enter the insurance policy under which the indemnity for reimbursement was issued, b) Submit the expert report, c) Attach the letter from the insurance company stating the intention to pay compensation and the amount of compensation.
CONTACT
Get in touch with us:
Available Ways
We are always here to give you the support you need and make sure to give you the best possible service.
