Experiencing difficulties

Making your loan repayments means you’ll avoid extra fees and charges. You'll also avoid any negative effect to your credit file. This is important if you want to apply for credit in future.

Debt can become a problem when you can’t afford the monthly payments, are constantly paying them late or you have to juggle your money to make payments.

Amongst other things, you might need extra support if:

• Your personal situation has changed - for instance, if you've been made redundant or you're dealing with a long term illness.
• You're behind with payments or worrying about paying bills.

There are things you can do if you're starting to experience money worries, so please get in touch.

Already missed a payment? You can speak to us on 0800 028 0690.

Worried about future payments? You can speak to us on 0800 056 7298 (or +44 1244 757 233 from outside the UK).

Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm.

Whatever help you need, you really aren’t on your own. Just speaking to us won’t affect your credit score.

If you’d prefer to read some information first, you can find out more about managing debt.

If you’ve been placed on a payment arrangement, this will be confirmed by the lender who will tell you everything you need to know. This includes the interest rates that will apply while the arrangement is in place.

After your payment arrangement ends, your standard contract rates at that time will apply. Refer to your account terms and conditions for details about these.

If you want to know more, or talk about future arrangements if you’re still struggling, you can speak to us on 0800 028 0690. Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm.

Whatever help you need, you really aren’t on your own. Just speaking to us won’t affect your credit score.

If you're already behind and are still struggling with your borrowing, you can speak to us on 0800 028 0690. Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm.

Whatever help you need, you really aren’t on your own. Just speaking to us won’t affect your credit score.

If you still need further advice, the following organisations should be able to answer your questions and suggest suitable courses of action.

Citizens Advice

PayPlan (0800 917 7823)

Stepchange Debt Charity (0800 138 1111)

National Debtline (0808 808 4000)

To talk through your individual circumstances, please get in touch on 0800 028 0690. Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm.

Whatever help you need, you really aren’t on your own. Just speaking to us won’t affect your credit score.

You’ll need all the information you’ve been issued by the debt management company close to hand. Standard network charges may apply.

Someone you trust can help you to manage your loan account.

For more guidance and support, get in touch on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Standard network charges may apply.

Losing a family member, friend or someone close to you is an emotional time, and can be overwhelming. But help is at hand.

Call the Bereavement Team on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Standard network charges may apply.

Write to:

PO Box 952
Newcastle upon Tyne
NE27 9DG

When you get in touch you’ll need:

• The date the person passed away.
• Where the death has been registered.
• The name, address, phone number and email address of the person dealing with the customer's account.

For more guidance and support, check out our dedicated page.
 

For the full list of ways to say hello, have a look at our contact us page.