What happens if my Direct Debit doesn’t go through?

Updated 1 month ago

If we’re unable to take your Direct Debit amount on your repayment date, we’ll send you an email to make you aware and try again in 7 days. If things go through the second time around, we don’t report a missed payment to the credit reference agencies.

The re-try happens automatically, so there’s no need to get in touch with us unless you’re worried the second attempt won’t be successful or your situation has changed.

If you do want to talk, please contact us within two days of your normal repayment date.

Free impartial financial advice is on hand

There are not-for-profit organisations you can contact for financial advice. The two below are impartial, confidential and free.


0800 280 2816

Monday to Friday 8am-8pm or Saturday 9am-3pm.


0800 138 1111

Monday to Friday 8am-8pm or Saturday 8am-4pm.

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