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. 

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

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.

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.

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

Login here to your online portal and make manual payments.


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.

Step Change

Website: https://www.stepchange.org/

Phone: 0800 138 1111

Business Debt Line

UK Website: businessdebtline.org

UK Phone: 0800 197 6026

NI Website: adviceni.net/advice

NI Phone: 0800 915 4604

Citizens Advice Bureau

UK Website: citizensadvice.org.uk

England: 0800 144 8848

Wales: 0800 702 2020

Scotland: 0800 028 1456

Money Helper

Website: www.moneyhelper.org.uk

Phone: 0800 138 1111

National Debt Line

Website: nationaldebtline.org

Phone: 0808 808 4000

Useful Resources

Bereavement Support

Website: cruse.org.uk

Phone: 0808 808 1677


Website: samaritans.org

Phone: 116 123

Drug Addiction

Website: ukna.org

Phone: 0300 999 1212

Cancer Support

Website: macmillan.org.uk

Phone: 0808 808 0000

Gambling Addiction

Website: gamblersanonymous.org.uk

Phone: 0330 094 0322

Women’s Aid

National Domestic Abuse Helpline

Website: nationaldahelpline.org.uk

Phone: 0808 2000 247


Website: mind.org.uk

Phone: 0300 123 3393

Alcohol Addiction

Website: drinkaware.co.uk

Phone: 0300 123 1110

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Payl8r are pioneers of fair and responsible lending.

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Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner’s Office under reference number ZA026178.

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