What should I do if I have difficulties making payments?

We understand that people's circumstances change, and we'll do everything we can to help you when we know there's a problem. That's why, if you're struggling to meet your monthly repayments, you should let us know - the worst thing you can do is ignore the problem. Just give us a call on 0800 051 8346 and we may be able to help you out.

If it's difficult for you to talk to us, you can always speak to an independent organisation for free, confidential and impartial advice. Try StepChange, who can take an independant look at your financial situation and find a way for you to manage your debts. You can call them on 0800 138 1111 or visit www.stepchange.org.

Other independant organisations offering free advice include:

Citizens Advice Bureau: For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to www.adviceguide.org.uk (England & Wales), www.cas.org.uk (Scotland) or www.citizensadvice.co.uk (Northern Ireland).

National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.co.uk for debt advice and information.

My Money Steps: Money Steps is a new website where borrowers can get access to straight forward advice, information and the practical support they need to help them manage their borrowing and take control of their finances. It's free, impartial and backed by the Money Advice Trust and Barclaycard. Visit www.mymoneysteps.org
Call charges may apply.

If you're having problems paying your bill, you can find more information on our money worries pages.