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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

We're here to help you through times like these. Our customer experience team understand your situation and are there to work with you to get your repayments back on track.


You should get in touch with us as soon as you feel that you may not be able to make your repayments due to a change in circumstance. 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 customer experience manager 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.


Independent information

If you are still worried about debt or would like more information on how to manage your money, 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-8pm
Saturday 9am-1pm

National Debt Line

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


0808 808 4000

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