We all know that circumstances can quickly change, so if you find yourself in a situation where you think that you may not be able to make your next repayment or you are struggling with the amount that you need to repay, there are things you can do.
Our teams understand that circumstances can change and they’re here to work with you to get your repayments back on track.
If you have had a change in circumstance, speak to your customer experience manager. This way we can start helping you as soon as possible.
If you don’t feel comfortable discussing your money issues with your customer experience manager during your home visits then you can contact us directly:
We appreciate that the last thing you need when struggling to pay on time is additional charges or fees. So you’ll never be charged if you miss or make a late repayment. However, missing or making a late payment could be recorded on your credit file which may affect your ability to get credit in the future.
You'll be referred to a specialist team. They will tell you what we will do to help and make sure you're supported. We may ask for more information, but we'll explain what we need and why.
If you're still worried about debt, how to manage your money or want additional support, there are a number of free, independent organisations which can help.
Free advice on debt problems and finding the best solution for you.
0800 138 1111
Offers free, unbiased and independent advice to people who want to manage their money more effectively.
0800 138 7777
Provide emotional support to anyone in distress, struggling to cope or at risk of suicide.
365 days a week
Helps people in housing need by providing advice and practical assistance.
0808 800 4444