We're here to help

Help is at hand. Call 0800 952 4966 (8am-9pm weekdays, 8am-5pm weekends)

We appreciate there are lots of reasons people can struggle with making payments – from changes in personal circumstances to facing unexpected bills. Whatever your reason, the sooner you can let us know about any difficulties you may be having, the more helpful we can be.

We can help you plan your payments with us

Every solution is different, so we need to talk to you to make sure we find the best solution to suit your needs. Here are just a few of the things we can do:

  • Account health check

    Take you through an account health check, what payments are needed and why.

  • Arrange a payment date

    Arrange a date in the future for you to make a full or part payment.

  • Set up a payment plan

    Set up a payment plan – if you're eligible, this will take into account your individual situation. To help you work out what you can afford, first try our handy budget planner.

A payment plan makes it easier to get your account up to date by:

  • Spreading your payments over a longer period
  • Temporarily stopping any late payment and overlimit fees (you'll still be charged interest on your balance)
  • Showing on your credit file that you're trying to get back on track

If you're eligible for a payment plan, and you miss one of your plan payments without contacting us, we'll ask you to pay the amount required to bring your account up to date.

By doing nothing you risk:

  • More default fees
  • Action being taken to recover the amount you owe us, which may involve selling your account to a debt purchaser. We reserve the right to take alternative action to recover the full outstanding balance.
  • Defaulting – your account will be closed and the default will stay on your credit file for six years. This could stop you getting credit in the future, including loans and mortgages

Calls may be recorded/monitored for training purposes.