I'm struggling with my repayments. What should I do?

Whether it’s an unexpected expense or the rising cost of living, we understand that sometimes you can end up struggling with your loan or credit card payments through no fault of your own. Here’s what you can do if you find yourself in this situation.

Find what’s affordable

Using this budgeting tool can help us to work out what level of payment would be affordable for you going forward. By adding your details, we’re able to look for solutions personalised to your individual circumstances. Just hit this link and create an account to get started. Once you’ve completed the form, we’ll be in touch to discuss your options.

Talk to us

Our specially trained team are on hand to run you through the options available to you. You can find the best way to reach them here, or check out our FAQ for more detail.

Others who can help

Organisations, such as PayPlan, give free, impartial and confidential advice, and contacting them won’t impact your credit score. They’ll help you check out your options, explore solutions and support you through every step of your journey to becoming debt-free.  

To contact PayPlan you can call them on 0800 280 2816, Monday to Friday 8am-8pm or Saturday 9am-3pm, chat to them online or request a call back from PayPlan. Or you can use this secure online debt solution tool to get the advice you need  

You can also find free and impartial money guidance through Money Helper. Money Helper offer in depth guides to improve your finances, tools and calculators to help keep track and plan ahead as well as support over the phone and online.