You can count on us to consider your situation carefully and do our best to help you. Everything you tell us will stay between us and you. So if you have particular challenges, illnesses or anything else that makes it harder for you to deal with your finances right now, it’s best to let us know so that we can understand how to help you better. We’ll only keep this personal information on record if you’re OK with that.
There’s still many ways we can help you with financial difficulties, whether you’re in arrears already or not. Please refer to our payment difficulties page for information.
Whether you’re having difficulty with your mortgage, your Buy to Let or Unsecured Personal Loan, you can find information in our payment difficulties page and see how to get in touch with us. The page also contains details of free debt advice organisations who might be able to help you.
Don’t do this before speaking to us. A missed payment will be reported to the Credit Reference Agency. This could affect you if you want to apply for a loan or credit/hire agreement in future, so it’s something we want to help you avoid.
We see repossession as a last resort. We’ll write and try to speak to you several times to come up with a payment plan before we think about repossessing your property. The most important thing is for you to call us. It’s never too late to make an arrangement with us.
Payment holidays were set up by the Government at the start of the Covid-19 pandemic. They’ve now ended. However, you may have a payment holiday as a feature of your mortgage. We can explore this with you. If you don’t, we can look at what other options are available.
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