My situation has changed, what should I do?
Updated 1 month ago
We know that sometimes your situation can change through no fault of your own, whether that’s due to an unexpected, unpredictable expense or the rising cost of living.
Whatever the reason, if you can't afford your usual payment amount, there are things we can do to help.
See your options
Your options may depend on whether the changes to your financial situation are temporary or more long term. Check out our FAQ to see what’s available to you.
Or, if you want to chat through your options with someone, we’re here for you. Our trained team are ready to talk through your options.
Others who can help
We can’t provide debt advice, but there are organisations who can. They provide free and impartial support, and contacting them won’t impact your credit score.
StepChange: Call 0800 138 1111, Monday to Friday 8am-8pm or Saturday 8am-4pm.
Call us020 3770 5960
Our helpful agents are on hand to support you.
We're here Monday to Friday 8am-8pm
We aim to answer in 2 days.
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.
PayPlan0800 280 2816
Monday to Friday 8am-8pm or Saturday 9am-3pm.
StepChange0800 138 1111
Monday to Friday 8am-8pm or Saturday 8am-4pm.
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