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

Updated 1 month ago

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

We can’t provide debt advice, but these organisations can. They provide free, impartial advice and support, and can even speak to us on your behalf if you’d prefer. Contacting them won’t impact your credit score. You can find out more here, or contact them using the details below.

PayPlan: Call 0800 280 2816, Monday to Friday 8am-8pm or Saturday 9am-3pm or request a call back from PayPlan.

StepChange: Call 0800 138 1111, Monday to Friday 8am-8pm or Saturday 8am-4pm.

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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