You may have options available to you. Please follow this link to contact our Customer Services department for more information.
You can learn more about voluntary termination here. To speak to a member of our team, please contact us on 0800 085 1759.
No, once we have agreed to accept a reduced level of monthly repayment you will not incur any late payment fees or additional charges provided you honour that agreement. Once the payment arrangement has been finalised and the monthly instalments return to normal, any additional missed payments will result in fees being incurred.
We have a duty to provide a true and accurate reflection of the financial conduct of our customers and as such register all activity with credit referencing agencies. If your account falls into arrears, therefore, this information will be registered with these agencies.
We review each case on an individual basis, aiming to ensure that payments are affordable and that the reduced payment plan would not cause further financial detriment.
If you’re having financial difficulties, you can look for free advice from a charitable debt management organisation such as: These organisations will help you assess your financial situation to see what you can afford and also help you fill out a common financial statement. This financial statement should then be submitted, together with a proposed […]
We are happy to consider reducing your repayments. While we look at every case on an individual basis, there are a number of factors we take into consideration before any decision is made. These factors include:
If you’ve made an extra payment by direct debit an automatic refund will be made to the bank or building society account from which the payment was taken. If the overpayment has been made by some other means, such as a bank transfer, cash, cheque or standing order, a refund will be made upon receipt […]
If your agreement is regulated and you’re making a lump sum payment to part settle your agreement, please make sure you get in touch to notify us that you are intending on making a payment either before or shortly after you’ve made the payment to us, this will stop the payment being returned back to […]