Overlay
Financial difficulty

Support for loan customers

Important information about payment breaks and support

All of the options outlined below can help with a temporary reduction in outgoings. However if you reduce your payments, interest will continue to build which will mean that you'll pay more for your loan than was originally stated. So, it’s important that you only apply if you’re currently having difficulties making your loan payments.

We may ask you for further information depending upon your circumstances, please make sure all the information is correct. If not, this will cause a delay in dealing with your request.

One of our team will contact you to discuss your financial circumstances and your requirements.

If full payments are not made on your loan, there may be circumstances in which we have to inform Credit Reference Agencies and this may impact your credit rating/score. The extent of the impact to your credit rating/score will depend on your overall financial profile. If this is the case, we will inform you during your application.

For further information on the impact you should speak with an independent debt advice agency who can  give you support and advice.

What support may be available to me?

First we need to confirm whether you have had support previously.

New support request

If you have a loan with us and you anticipate that you will not be able to make your payment, we may be able to help.

You can apply for the following support:

  • Loan payment break
  • Request to apply for a new loan
  • Call Back from our team to discuss your options

What financial support options can I apply for?

I’m able to restart my full monthly loan payments

If you can afford to restart your full loan payments it's in your best interests to do so.

What do I need to do next?

  • If you're happy that your monthly payments can restart you'll need to confirm this with us via the online form below.
  • If you have taken a loan payment break and we have not extended the term of your loan, we will be in touch to arrange payment for the missed payments and any additional accrued interest.

I can't afford to restart my full monthly loan payments and need further support

If you can afford to restart your full loan payments it’s in your best interests to do so.

Even if you have already had a loan payment break, you can use the form below to apply for further support.

We may require additional information to process your request, including bank statements, an Asset and Liability Statement, an Income and Expenditure summary and details of any other payment support arrangements that you have with other financial institutions.

If full payments do not restart on your loan, there may be circumstances in which we have to inform Credit Reference Agencies and this may impact your credit rating/score. The extent of the impact to your credit rating/score will depend on your overall financial profile. If this is the case, we will inform you during your application.

For further information on the impact you should speak with an independent debt advice agency who can  give you support and advice.

We understand that worrying about paying your loan either now or in the future can cause a great deal of stress, but it’s important to talk to us now, so please do get in touch. Our friendly team is on hand to help you. We’ll listen to you and walk you through the options available.

You can also visit our page on financial difficulties, where we have some practical tips and links to independent agencies who can also give you support and advice.

What further support options might be available to me?

Confirm your next step

Please answer a few questions about your financial circumstances to let us direct you to the support you need.

Have you already received payment support from us in relation to this loan?
Payment support includes a payment break.
Can you afford to begin or continue making your loan payments?

Great, now we need you to confirm this

Open the form below to confirm your details and that you will be starting your full monthly loan repayments to include any interest that has continued to build during your loan payment break.

What support would you like to apply for?

Nearly there...

In order to process your request to extend your loan payment breakwe'll need some further information from you:

  • Your name
  • Your date of birth
  • Your email address
  • Your phone number
  • Your loan reference number
  • Some additional information about your financial circumstances

Nearly there...

In order to process your request to apply for a new loanwe'll need some further information from you:

  • Your name
  • Your date of birth
  • Your email address
  • Your phone number
  • Your loan reference number
  • Some additional information about your financial circumstances

We'll need confirm your details and will then be in contact to discuss your options

At the next stage we'll ask you to provide:

  • Your full name
  • Date of birth
  • Email address
  • Contact number

Alternatively, you can contact us on +44 (0)1624 646 500*. 

*Calls may be recorded. Lines are open 9am to 5pm GMT, Monday to Friday.

What kind of support would you like to apply for?

Nearly there...

In order to process your request for a loan payment breakwe'll need some further information from you:

  • Your name
  • Your date of birth
  • Your email address
  • Your phone number
  • Your loan reference number
  • Some additional information about your financial circumstances

Nearly there...

In order to process your request to apply for a new loanwe'll need some further information from you:

  • Your name
  • Your date of birth
  • Your email address
  • Your phone number
  • Your loan reference number
  • Some additional information about your financial circumstances

We'll need confirm your details and will then be in contact to discuss your options

At the next stage we'll ask you to provide:

  • Your full name
  • Date of birth
  • Email address
  • Contact number

Alternatively, you can contact us on +44 (0)1624 646 500*. 

*Calls may be recorded. Lines are open 9am to 5pm GMT, Monday to Friday.

We're here for you

We understand that worrying about paying your loan either now or in the future can cause a great deal of stress, but it’s important to talk to us now, so please do get in touch. Our friendly team is on hand to help you. We’ll listen to you and walk you through the options available.

You can also visit our page on financial difficulties, where we have some practical tips and links to independent agencies who can also give you support and advice.