If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.
Whichever way you tell us, you're still covered by the Direct Debit Guarantee offered by all banks and building societies that accept instructions to pay Direct Debits. We'll also write to you to confirm your Direct Debit Instruction.
Change the date you pay
You can change your payment date by calling us on 0345 727 3747. We’re available Monday to Friday 8am-8pm and Saturday 9am-4pm.
You can only choose a date between the 1st and 28th.
As your payment needs to be the same day each month.
The best day of the month to make your monthly payment is the 1st.
This is because we’ll charge the least amount of interest for the month. For most accounts we calculate interest daily.
You might make two payments in short space of time.
This will happen if you change your payment date from the end of the month to the beginning, e.g. on the 28th and again on the 5th.
Your payment amount may rise or fall.
We’ll be able to tell you if there will be any change. If it does change, in most cases the difference will be relatively small.
Change the amount you pay
Your Direct Debit will automatically change if your mortgage payment changes. For example, when a change in interest rate affects the payment amount. You won't need to take any action and we'll write to you to confirm the changes.
You won’t be able to change your agreed monthly payment amount we take by Direct Debit, but you have a few options to manage your payments:
Make an overpayment
It’s easy to make lump sum payments or set up regular overpayments. If you set up a regular overpayment we’ll update your existing Direct Debit payment.