Financial Worries

I have missed a payment - what should I do?
If you’re struggling to make your payments, it’s best to get in touch with us as soon as you can. You'll find how to...
I have received a letter telling me I’ve been charged a Default Sum on my Credit Card. What does this mean?
A Default Sum is a fee that has been applied to your account. These are usually applied when a payment has been missed or...
I’m experiencing financial difficulty and need to reduce my payments. What should I do?
We are here to support you when things get difficult with your finances. It’s helpful if we can discuss your circumstances...
A third party are helping me with a Bankruptcy/IVA/Trust Deed/Debt Management Plan. What do I need to do?
If a third party company is dealing with your account(s) on your behalf it is important that you let us know.
When...
I would like someone else to be able to deal with my account, what do I need to do?
With your permission we can discuss your account(s) with someone else acting on your behalf. In order to add an authorised...
I need to discuss my account(s) with you but don’t want to call, what else can I do?
We understand it can be difficult to get in touch and discuss your personal circumstances. The sooner you contact us the...
I can’t make payments to my account but you keep calling me. What can I do if I can’t pay?
We understand that it can be difficult to discuss your circumstances with us especially when you aren’t able to make payments...
I have a repayment plan but you have asked me to give you an update. Why do I need to speak to you if nothing has changed?
We are required to review our customers’ affordability every 12 months to ensure payment plan agreements continue to be...