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.

Contact us

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.

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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