We understand that circumstances can quickly change. If you find yourself in a situation where you think you may not be able to make your next payment or you’re struggling with the amount you need to pay, please get in touch and have a chat with one of our friendly team. We care and there are things we could do to help.
The sooner you do this the better. We want to help you have a good night’s sleep and also make sure you don’t get into a position where there is a negative impact on your credit file, which could affect your ability to get credit in the future.
It’s worth reminding you that we never charge any fees for missed or late payments, you only repay what you agreed when your loan started. So, that’s one less thing to worry about.
Free, impartial advice
Money issues can be hard to talk about, but help is available if you need it
If you’re experiencing financial difficulties or would like more information on how to manage your finances, the following organisations may be able to offer you free, non-judgemental and independent help and advice.
Step Change
Mon - Fri 8am-8pm | Sat 8am - 4pm
Free, confidential and expert debt advice online or over the phone.
National Debt Line
Mon - Fri 9am - 8pm | Sat 9:30am - 1pm
Free advice and help to work out your budget. They give you debt solutions suitable to your financial situation.
Citizens Advice
Mon - Fri 9am-8pm | Sat 9:30am - 1pm
Citizens Advice offer the knowledge and confidence they need to find their way forward.
If you're experiencing personal difficulties due to the mental or physical health of you or a loved one, below are some organisations you can speak to
If you’re struggling, then we encourage you to reach out to them as they are specialists and are there to help. Talking to friends or family could also help. Just don’t suffer alone when help is available.
The prevention of young suicide (Specialises in 35 and under, however any age can call)
Open every day 9am – midnight.
Call – 0800 068 4141
Text – 07860 039967
Email – Pat@Papyrus-uk.org
Helpline – 0300 123 339
Providing advice and support to empower anyone with a mental health problem.
Call – 0808 808 0000 (7 days a week 8am-8pm)
Email or online chat available via macmillan.org.uk
campaigning to end homelessness in Great Britain
Urgent helpline – 0808 800 4444 8am-8pm weekdays. 9am-5pm Weekends every day of the year
24 hours a day 7 days a week.
Live chat, Group chats and an online forum are available
