If you can’t afford your current minimum payment, or if a change in circumstances may affect your ability to pay in the future, let us know as soon as possible. We're here to support you as much as we can.
Getting in touch with us before you’re due to make a payment can help avoid charges being applied to your account. Our specially trained advisors are sympathetic, easy to talk to and want to help you.
(Please include your full name, first line of address and postcode, so that we can find your account)
If you don't make your minimum payment by the due date shown on your statement, we’ll apply a £12 administration charge to cover our costs of recovering the debt. We’ll let you know if the amount we charge changes.
Missed or late payments will be recorded on your credit file and may have a negative impact on your ability to obtain credit in the future.
Options you can consider
For free, independent advice, contact StepChange or PayPlan:
StepChange Debt Charity - for debt advice throughout the UK
Phone: 0800 138 1111 or visit www.stepchange.org
PayPlan - for debt advice throughout the UK
Phone: 0800 280 2816 or visit www.payplan.com
Reducing your balance
If you can, paying off more than your minimum payment every month, can reduce the overall interest you'll pay.
Use our repayment calculator to find out how much you could save if you increase your monthly payment.
Top tip: if you're using your credit facility to purchase an expensive item, such as a sofa, making a payment upfront can help reduce your monthly payments and the amount of interest you'll pay.
If you need some help budgeting, there are tools available online. For an example, visit: Money Advice Service.