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What if I need more help?

If you can’t make your next payment or are already in arrears and need some time to get debt advice, we can put your agreement on hold for 30 days whilst you do so.

  • This would be suitable if your circumstances have changed and you need time to work out your new financial circumstances.
  • This would also be suitable if you expect your circumstances to improve within the next month.
  • It’s important to remember that this may have an impact on your credit file, as any arrears would be reported to the Credit Reference Agencies.

You can get advice from a number of charities and not-for-profit organisations, such as the ones listed below: