Starting to Struggle?

We know that life doesn't always work out the way it's meant to. Sometimes your circumstances change, or you get a run of bad luck and you can't make your repayment schedule.

What should I do if I have difficulties making my repayments?

Don’t try to wish the problem away and don’t be persuaded to go to a debt management company. It’s always better to call us before the problem gets any worse.

We have established a new helpline for customers who are concerned about their financial situation. If you believe that you may get into difficulty you can talk directly to an expert and receive practical support and advice by calling 0844 241 2929 (call charges info)

Where can I get independent advice?

We'll give you the best advice we can offer, but we appreciate that you might want to talk to someone outside the situation. You can obtain free, impartial and confidential money advice from organisations such as Citizens Advice, Consumer Credit Counselling Service (CCCS) and National Debtline.

Further independent guidance is available on the site run by the Financial Service Authority (FSA) www.moneymadeclear.fsa.gov.uk.