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If you’re experiencing financial difficulties it’s important you take action. We understand that at times it may be difficult to keep up with repayments and things can get on top of you. In these circumstances, it’s important to get in touch with your lender as soon as possible as things may get worse if they’re not dealt with quickly.
In some circumstances, you may wish to seek independent debt advice from not-for-profit debt-counselling organisation such as where you have several creditors or want confidential advice and help.
You may find the information below to help you decide who you may need to speak to:
For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyhelper.org.uk or phone 0800 138 7777 to speak to a Money Adviser
Money Advice Scotland
If you live in Scotland, phone 0141 572 0237 or visit www.moneyadvicescotland.org.uk to find contact details or debt advice in your local area
Citizens Advice Northern Ireland
Member centres offer debt advice including specialist advice for minority communities and people with disabilities – www.adviceuk.org.uk or phone 0300 777 0107
Christians Against Poverty (CAP)
For free debt advice in your home, check postcode coverage at www.capuk.org then call 0800 328 0006
For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to www.citizensadvice.org.uk
If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information
StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org
Civil Legal Advice
You may get legal aid if your home is at risk. Check at www.gov.uk/civil-legal-advice or phone 0345 345 4345
We take pride in helping customers in financial difficulties, so if you’re concerned about keeping up with your repayments, please get in contact with your lender and they will do their best to help. To understand a true reflection of your current situation, they may ask you to complete an Income & Expenditure form. they can then agree on a suitable solution such as a repayment plan which can help spread your outstanding balance over a longer term.
The I&E form will help your lender understand your circumstances better by taking into consideration your income, outgoing and payments to other creditors. This will allow them to see what’s leftover (after bills all are paid) to make sure the agreed solution is manageable and fits your circumstances. They would also encourage you to speak to other creditors and reach a suitable arrangement.