Compare the price of home collected and other cash loans available in your area at www.lenderscompared.org.uk

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 personal circumstances 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.

 

Financial difficulties due to COVID-19

 

If you’ve been impacted severely by the coronavirus pandemic, there are a number of services you can use to help support you through this difficult time:

 

There are foodbanks available for those in need. You can find more information on these two websites:

 

https://www.citizensadvice.org.uk/benefits/help-if-on-a-low-income/using-a-food-bank/

https://www.trusselltrust.org/get-help/find-a-foodbank/

 

There may be additional help from the government available as well. Citizen’s Advice can check to see if there are any extra benefits you may be able to get, and let you know if you’re eligible for a crisis loan:

 

https://www.gov.uk/government/news/changes-to-crisis-loans-protecting-the-vulnerable

 

https://www.gov.uk/budgeting-help-benefits/eligibility

 

https://scotland.shelter.org.uk/get_advice/advice_topics/paying_for_a_home/other_benefits_grants_and_loans/crisis_grants 

 

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.

 

Money Issues

 

Money issues can be hard to talk about, but help is available if you need it.

 

If you are experiencing financial difficulties or would like more information on how to manage your finances, the following organisations may be able to offer you free and independent advice.

Step Change

Free, confidential and expert debt advice online or over the phone.

 

 

 

 

www.stepchange.org


0800 138 1111

Mon-Fri 8am-8pm

Sat 8am-4pm 

National Debt Line

Free advice and help to work out your budget. They give you debt solutions suitable to your financial situation.

 

 

www.nationaldebtline.org

 

0808 808 4000

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

Citizens Advice

Citizens Advice offer the knowledge and confidence they need to find their way forward.

 

 

 

www.nationaldebtline.org

 

0344 411 1444

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

Personal Difficulties

 

If you're experiencing personal difficulties, below are some organisations that may be able to support you.

Cruse Bereavement

Support, advice and information when someone dies.

 

 

 

www.cruse.org.uk

 

0808 808 1677
Mon-Fri 9am-5.30pm

Macmillan Cancer Support

Physical, emotional and financial support to help you live life as fully as you can.

 

 

www.macmillan.org.uk

 

0808 808 00 00
7 days a week,
8am-8pm

Mind

Advice and support to empower anyone experiencing a mental health problem.

 

 

www.mind.org.uk

 

0300 123 3393

Text 86463
Mon-Fri 9am-6pm

Samaritans

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

 

 

www.samaritans.org

 

116 123
Open 24/7

365 days a week

Shelter

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

 

 

www.shelter.org.uk

 

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

PfgHcPdPcHcrVm2