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Loan repayment difficulties

We all know that circumstances can quickly change, so if you find yourself in a situation where you think that you may not be able to make your next repayment or you are struggling with the amount that you need to repay, there are things you can do.


Talk to one of our team

Our teams understand that circumstances can change and they’re here to work with you to get your repayments back on track.


If you have had a change in circumstance, speak to your rep. This way we can start helping you as soon as possible.


Talk to us

If you don’t feel comfortable discussing your money issues with your rep during your home visits then you can contact us directly:


Call 0800 138 4441


Click here to fill out our contact us form


We appreciate that the last thing you need when struggling to pay on time is additional charges or fees. So you’ll never be charged if you miss or make a late repayment. However, missing or making a late payment could be recorded on your credit file which may affect your ability to get credit in the future.


What happens next?

You'll be referred to a specialist team. They will tell you what we will do to help and make sure you're supported. We may ask for more information, but we'll explain what we need and why.


Independent information

If you're still worried about debt, how to manage your money or want additional support, there are a number of free, independent organisations which can help.

Step Change

Free advice on debt problems and finding the best solution for you.

0800 138 1111

Mon-Fri 8am-8pm

Sat 8am-4pm 

Money Advice Service

Offers free, unbiased and independent advice to people who want to manage their money more effectively.


0800 138 7777
Mon-Fri 8am-6pm

National Debt Line

Free, confidential debt advice service run by the Money Advice Trust


0808 808 4000

Mon-Fri 9am-8pm
Saturday 9.30am-1pm


Provide emotional support to anyone in distress, struggling to cope or at risk of suicide.


116 123
Open 24/7

365 days a week


Helps people in housing need by providing advice and practical assistance.


0808 800 4444
8am-8pm weekdays,
9am-5pm weekends


Help with the medical needs of people affected by cancer.


0808 808 00 00
7 days a week,