We're here to help.

If you’re struggling with repayments, or would like to speak to someone about your financial situation, get in touch with us.

We've got your back.

We understand that life can be unpredictable; changes to income, unforeseen health conditions, and periods of bereavement could all impact your ability to manage your account, or make regular repayments. If you are going through a difficult time, let us know as soon as you can so we can offer a helping hand.

We’ll talk you through some options that could make your payments more manageable, or give you some breathing space to help make things a bit easier.

Prefer another person to speak on your behalf?

If you’re not feeling up to talking to us, we can speak to someone else on your behalf. You’ll need to give us your permission before we can speak to them, by calling us on 0161 425 6363 or by emailing [email protected]

What happens if I miss repayments?

When taking out a credit agreement, it’s important to know what can happen if you stop making repayments. Your credit file will be affected, and your credit score could decrease. Having a less-than-perfect file can have a number of consequences which you should be aware of.

Impact on credit approvals

Missing repayments can have a negative impact on your credit score, meaning you may be rejected for future credit applications.

Impact future borrowing

Your ability to take out further lines of credit may be impacted by falling behind on repayments. Lenders may offer a smaller credit limit, or higher interest rates.

Impact on others

Anyone who is financially associated with you (for example through a joint bank account or credit agreement), may also struggle to access lines of credit.

Legal action

By continually missing repayments, you risk additional late fees being applied to your account, as well as risking legal action required to recover the amount you owe.

Ways to make repayments

Ways to make repayments.

CPA (Continuous Payment Authority)

We take payments automatically, so you don’t need to worry about remember to make payments each month.

Payl8r Portal

Phone

Call us on 0161 425 6363 to speak to an agent about making a payment or setting up a payment plan.

Need Independent Advice?

If you would like to speak to a third party about your financial situation, take a look at theses free, independent sources.

GOV.UK Benefits Calculator

Website: https://www.gov.uk/benefits-calculators

For further advice on managing your money, claiming against any insurance policies and to check you have applied for all the benefits and entitlements available to you.