There are many organisations available who can offer free, impartial advice on how to deal with your debts. See the Independent resources section under our Support page for more details.
I’m worried I might lose my home. What can I do?
We understand that this is a very worrying time and the first thing you should do is get in touch with us on 0330 159 7141 so we can get an understanding of your circumstances. Legal proceedings to take possession of your property will only be considered as a last resort and once all other alternatives …
I can no longer afford my monthly payment, what can I do?
If there has been a change to your circumstances and you’re unable to afford your monthly payment, we’re here to help. You can reach our team of experienced agents by calling 0330 159 7152. Our phone lines are open Monday to Friday 8:00am – 8:00pm. If you have debts with other companies or want independent …
Why do I need to complete an income & expenditure assessment?
This helps us understand your financial situation and what options may be suitable for you.
Why have I received a Notice of Sums in Arrears (NOSIA) when you have agreed a reduced payment arrangement?
Following changes brought in by the Consumer Credit Act 2006, we must tell you that your account is in arrears. We will send a subsequent notice if your account remains like this for six months. The notice does not affect temporary reduced payment arrangements.
What happens when my payment arrangement ends?
We’ll write to you a month before the payment arrangement ends. If you’re still in financial difficulties we’ll need to review your situation and agree a new arrangement.
Why have I been charged a £40.00 fee when I’m struggling with my mortgage payments?
If your mortgage is two or more payments in arrears, we’ll add a £40.00 fee to your mortgage balance each month. This is to help cover the extra costs of managing your account whilst it’s in arrears. We won’t charge the fee if you pay your full mortgage payment each month or agree a payment …