No need to hide.
or need to talk to someone about your current financial situation.
Get in touch as soon as possible.
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 payments. 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.
We aim to help make
your life easier.
Talk to us.
We’re here to help, and the sooner you reach out, the sooner we can assist you in finding the best solution. Whether you need to update us on your financial situation or explore more manageable payment options, it’s important you contact us as soon as possible. Don’t wait let’s work together to make things easier for you.
Ways to contact us:
- Submit an enquiry form
- Call us on 0161 425 6363 (Mon-Fri 9-5pm)
- Email us on [email protected]
Prefer another person to speak on your behalf?
If your 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 agreements, 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.
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
NI Website: citizensadvice.org.uk/about-us/northern-ireland/
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
Samaritans
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
Mind
Website: mind.org.uk
Phone: 0300 123 3393
Alcohol Addiction
Website: drinkaware.co.uk
Phone: 0300 123 1110
Get in touch.
If you’d like to discuss repayment options, or update us about your situation, please submit the form below. A member of our team will be in touch with you within 2 business days.
- [email protected]
- 0161 425 6363