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.
Talk to your Agent
Your Agent is there to help you through times like these. They understand your situation and are there to work with you to get your repayments back on track.
You should get in touch with your Agent as soon as you feel that you may not be able to make your repayments due to a change in circumstance. This way we can start helping you as soon as possible.
Talk to us
If you don’t feel comfortable discussing your money issues with your Agent or you can’t get in touch with them, 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.
If you are still worried about debt or would like more information on how to manage your money, there are a number of free, independent organisations which can help.
Free advice on debt problems and finding the best solution for you.www.stepchange.org
0800 138 1111
Money Advice Service
Offers free, unbiased and independent advice to people who want to manage their money more effectively.www.moneyadviceservice.org
0800 138 7777
National Debt Line
Free, confidential debt advice service run by the Money Advice Trustwww.nationaldebtline.org
0808 808 4000