We know that sometimes your situation can change through no fault of your own, whether that’s due to an unexpected, unpredictable expense or the rising cost of living.

Whatever the reason, if you can't afford your usual payment amount, there are things we can do to help.

See your options

Your options may depend on whether the changes to your financial situation are temporary or more long term. Check out our FAQ to see what’s available to you.

Contact us

Or, if you want to chat through your options with someone, we’re here for you. Our trained team are ready to talk through your options.

Others who can help 

Organisations, such as PayPlan, give free, impartial and confidential advice, and contacting them won’t impact your credit score. They’ll help you check out your options, explore solutions and support you through every step of your journey to becoming debt-free.  

  To contact PayPlan you can call them on 0800 280 2816, Monday to Friday 8am-8pm or Saturday 9am-3pm, chat to them online or request a call back from PayPlan. Or you can use this secure online debt solution tool to get the advice you need  

 You can also find free and impartial money guidance through Money Helper. Money Helper offer in depth guides to improve your finances, tools and calculators to help keep track and plan ahead as well as support over the phone and online.