Behind on payments?

If you’ve missed a credit card or loan repayment your account is in ‘arrears’. That leads to two immediate consequences. One is that we may charge you more interest. The other is that we may have to report the missed payments to credit reference agencies, which may affect your credit history.

It will cost more over the long term if your loan or credit card is in arrears.

We have a handy budgeting tool and a practical borrowings guide to help manage your expenditure.

What should I do if I can’t pay?

• If you are unable to clear your arrears, you should call us as soon as you can.

• We’ll explain what you need to do next.

• There may be changes we can make to your loan. If we lower the monthly payments, this usually increases the term of the loan.

• You can discuss any changes to the loan with us.

Remember - it’s always better to discuss your debts with your lender, even if you can’t pay anything today.

What can you expect when you call us

We have people ready to help customers in arrears to get things back on track. The only way you can find out what we can do is to call us.